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Questions & Answers
Graduate Student Health Insurance - "Aetna can deny your claim for any reason"?
Has anyone here had insurance through Aetna/The Chickering Group? If so, did you have any reasonable claims denied?
The basis of your health insurance is a legally enforceable contract. Aetna, or any other insurance company for that matter, cannot deny your claim for "any reason".
The denial has to be based on the terms of the contract. That contract broadly specifies what is covered in an insuring agreement (i.e. we will cover medically necessary procedures). The insuring agreement is then modified by the exclusions.
So for the company to deny any "reasonable" claim the procedure has to be outside of what is agreed to in the insuring agreement (such as cosmetic surgery) or it has to be specifically excluded.
Read your contract.
Any way around not being full time student- Health Insurance problem?
I have been going to a community college and need to finish up next fall semester so I have 3 classes so far. The deal the community colleges have with transferring to other schools (in nj anyways) is that once you graduate with the courses indicated by your major, the credits will definitely transfer to (all nj state schools for example) and only about 60 or 70 needed for your major will transfer, not any extra classes.
Anyways I only have 3 that I need. With my dads health insurance, Aetna, I need to be a full time student in order to stay on his plan. What can I do to get around this? Is my only option to take extra classes that I don't need to fill up?
OH also--- Do you think I should maybe re-take a class I didn't do well in? Would that be a good idea or kind of a waste
Full time is 12 credits
Its about $300 a class, give or take. And hmm to the answerer 8 or 9, do you really think I can schedule a full plate, send the paper to the insurance, then drop it?
I think you will pretty much need to take more classes so that you are taking at least 12 units total. Look for easy classes, like PE, basket weaving, or any class called Introduction to (whatever subject). At a community college it shouldn't cost a whole lot more to go to full time, and even though it won't transfer, it's worth it to keep your insurance.
If your college allows retaking a class with the grade that you got, then that will count. At my college, you couldn't retake a class if you passed with a C- or better. Check your course catalog to see what your college will allow. The health insurance doesn't care what classes you take, as long as you are full time.
Oh, and don't even think about signing up for a class and dropping it later. Insurance companies will ask for proof of full time status in the form of final grades.
What Health Insurance can a part time student get?
So my Aetna coverage will end next week on my 22nd birthday. Since I'm not a full time student (only part time) I won't be covered till I'm 23. I'm working part time and currently looking for a full time position. But till then do I have to live without health insurance, or do you have any advice which plan is most cost efficient and beneficial to someone right out of college?
Most insurance companies have policies that can be effective as early as the day after you sign up and will last for up to 90 days. This is good to fill a gap if you are pretty certain you will find a group policy in the mean time. Otherwise, you can sign up for an individual policy if the employer you find doesn't offer benefits or your job search is taking longer than you anticipated.
Go talk to an independent agent.
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