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Wednesday, July 21, 2004
The Cost of Student Health
I made the mistake this morning of looking to see how much my student health insurance will cost me next year. This past year, it cost me the ridiculous sum of ~$6000 USD. Next year, if I want the same coverage (which, as I'll relate, is pretty crappy), it will cost me ~$9000 USD. That's not a typo. $9000. The year before I began, it was around ~$4000. So in effect, it has doubled in two years.All I have to say is: What. The. Fuck. Actually, that isn't all I have to say. This is an outrageous thing to foster on students who are already paying a huge amount of tuition. Especially since even this high-cost coverage isn't all that great. My wife went to a doctor who made her pay the full amount of her visit up front, since this insurance company apparently doesn't always pay the doctors. And this was a doctor in the plan. And we're not talking some high-quality coverage here, choosing your own doctors and all that with them footing the bill for everything; this is just a glorified HMO. Split between the three of us in my family, we'd each have to spend $3000 next year in medical bills to make this worth our while. Which, unless one of us was hospitalized, would be hard to do. So, we're basically going to have to go with the lesser (much lesser) plan, affectionately called the "hit by a bus" health plan. This will still cost us ~$3000 USD a year and the coverage will be craptacular. It's pretty lousy to have to put your family's health at risk to attend school.
posted at 03:52 PM in
cmu, money
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