Yeah, I first thought of moving to Britain (or Canada) too so I wouldn't have to learn a new language... but then when I saw how they live in France (unlimited paid sick days, short work weeks, 5 or so weeks of vacation a year, unlimited, FREE, healthcare...) I figured it might be worth it to study french!
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All Sorts of Insurance Garbage
- Thread starter Emily65Roses
- Start date
Yeah, I first thought of moving to Britain (or Canada) too so I wouldn't have to learn a new language... but then when I saw how they live in France (unlimited paid sick days, short work weeks, 5 or so weeks of vacation a year, unlimited, FREE, healthcare...) I figured it might be worth it to study french!
Yeah, I first thought of moving to Britain (or Canada) too so I wouldn't have to learn a new language... but then when I saw how they live in France (unlimited paid sick days, short work weeks, 5 or so weeks of vacation a year, unlimited, FREE, healthcare...) I figured it might be worth it to study french!
Yeah, I first thought of moving to Britain (or Canada) too so I wouldn't have to learn a new language... but then when I saw how they live in France (unlimited paid sick days, short work weeks, 5 or so weeks of vacation a year, unlimited, FREE, healthcare...) I figured it might be worth it to study french!
Yeah, I first thought of moving to Britain (or Canada) too so I wouldn't have to learn a new language... but then when I saw how they live in France (unlimited paid sick days, short work weeks, 5 or so weeks of vacation a year, unlimited, FREE, healthcare...) I figured it might be worth it to study french!
Two words: Government Employment. If you're studying social work, you can get a job working for your state government easily. You could even get your foot in the door by being a student intern while you're still in school (get college credit, work as much or as little as you want - you tell them what you can work). if you went the intern route, you could transition into full-time (or whatever time) permanent status right after you graduate, thereby allowing for no lapse in coverage. I work for the State in which I live - I work 20 hours a week and have FULL benefits (and they're good benefits too). Just a thought <img src="i/expressions/face-icon-small-tongue.gif" border="0">
Two words: Government Employment. If you're studying social work, you can get a job working for your state government easily. You could even get your foot in the door by being a student intern while you're still in school (get college credit, work as much or as little as you want - you tell them what you can work). if you went the intern route, you could transition into full-time (or whatever time) permanent status right after you graduate, thereby allowing for no lapse in coverage. I work for the State in which I live - I work 20 hours a week and have FULL benefits (and they're good benefits too). Just a thought <img src="i/expressions/face-icon-small-tongue.gif" border="0">
Two words: Government Employment. If you're studying social work, you can get a job working for your state government easily. You could even get your foot in the door by being a student intern while you're still in school (get college credit, work as much or as little as you want - you tell them what you can work). if you went the intern route, you could transition into full-time (or whatever time) permanent status right after you graduate, thereby allowing for no lapse in coverage. I work for the State in which I live - I work 20 hours a week and have FULL benefits (and they're good benefits too). Just a thought <img src="i/expressions/face-icon-small-tongue.gif" border="0">
Two words: Government Employment. If you're studying social work, you can get a job working for your state government easily. You could even get your foot in the door by being a student intern while you're still in school (get college credit, work as much or as little as you want - you tell them what you can work). if you went the intern route, you could transition into full-time (or whatever time) permanent status right after you graduate, thereby allowing for no lapse in coverage. I work for the State in which I live - I work 20 hours a week and have FULL benefits (and they're good benefits too). Just a thought <img src="i/expressions/face-icon-small-tongue.gif" border="0">
Two words: Government Employment. If you're studying social work, you can get a job working for your state government easily. You could even get your foot in the door by being a student intern while you're still in school (get college credit, work as much or as little as you want - you tell them what you can work). if you went the intern route, you could transition into full-time (or whatever time) permanent status right after you graduate, thereby allowing for no lapse in coverage. I work for the State in which I live - I work 20 hours a week and have FULL benefits (and they're good benefits too). Just a thought <img src="i/expressions/face-icon-small-tongue.gif" border="0">
bagged2drag
Active member
As someone else said, COBRA is expensive, but it is a small price to pay compared to having a preexisting clause on you. Preexisting clauses are usually 260 days (9 months) and with cf, without even getting sick, that can add up to an easy 27000 in medication costs (@ 3000 a month average), which one would likely not even get if they didn't have insurance. DO look into state aid, it is beneficial and usually fairly cheap (as far as co-pays etc). Not only that, it often makes a great supplement to private insurance. Also, with COBRA, you are allowed a 63 day lapse of coverage. So say your parents ins. ends in October, you could pick up the cobra and keep it until 2 months before your husband gets insurance if the money is really an issue. Just make sure you are well informed of when his first day of coverage is, you don't want to screw it up.
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
bagged2drag
Active member
As someone else said, COBRA is expensive, but it is a small price to pay compared to having a preexisting clause on you. Preexisting clauses are usually 260 days (9 months) and with cf, without even getting sick, that can add up to an easy 27000 in medication costs (@ 3000 a month average), which one would likely not even get if they didn't have insurance. DO look into state aid, it is beneficial and usually fairly cheap (as far as co-pays etc). Not only that, it often makes a great supplement to private insurance. Also, with COBRA, you are allowed a 63 day lapse of coverage. So say your parents ins. ends in October, you could pick up the cobra and keep it until 2 months before your husband gets insurance if the money is really an issue. Just make sure you are well informed of when his first day of coverage is, you don't want to screw it up.
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
bagged2drag
Active member
As someone else said, COBRA is expensive, but it is a small price to pay compared to having a preexisting clause on you. Preexisting clauses are usually 260 days (9 months) and with cf, without even getting sick, that can add up to an easy 27000 in medication costs (@ 3000 a month average), which one would likely not even get if they didn't have insurance. DO look into state aid, it is beneficial and usually fairly cheap (as far as co-pays etc). Not only that, it often makes a great supplement to private insurance. Also, with COBRA, you are allowed a 63 day lapse of coverage. So say your parents ins. ends in October, you could pick up the cobra and keep it until 2 months before your husband gets insurance if the money is really an issue. Just make sure you are well informed of when his first day of coverage is, you don't want to screw it up.
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
bagged2drag
Active member
As someone else said, COBRA is expensive, but it is a small price to pay compared to having a preexisting clause on you. Preexisting clauses are usually 260 days (9 months) and with cf, without even getting sick, that can add up to an easy 27000 in medication costs (@ 3000 a month average), which one would likely not even get if they didn't have insurance. DO look into state aid, it is beneficial and usually fairly cheap (as far as co-pays etc). Not only that, it often makes a great supplement to private insurance. Also, with COBRA, you are allowed a 63 day lapse of coverage. So say your parents ins. ends in October, you could pick up the cobra and keep it until 2 months before your husband gets insurance if the money is really an issue. Just make sure you are well informed of when his first day of coverage is, you don't want to screw it up.
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
bagged2drag
Active member
As someone else said, COBRA is expensive, but it is a small price to pay compared to having a preexisting clause on you. Preexisting clauses are usually 260 days (9 months) and with cf, without even getting sick, that can add up to an easy 27000 in medication costs (@ 3000 a month average), which one would likely not even get if they didn't have insurance. DO look into state aid, it is beneficial and usually fairly cheap (as far as co-pays etc). Not only that, it often makes a great supplement to private insurance. Also, with COBRA, you are allowed a 63 day lapse of coverage. So say your parents ins. ends in October, you could pick up the cobra and keep it until 2 months before your husband gets insurance if the money is really an issue. Just make sure you are well informed of when his first day of coverage is, you don't want to screw it up.
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..
One other thing to keep in mind, I don't know your overall health, but pay attention to the details of your to-be hubby's insurance plan. Most plans have a lifetime maximum payout. Most I have seen are 1 million dollars per insured, but I have already seen a 2 million dollar max plan. If your hubby plans on staying at the job for a long time, keep track of your annual costs. If you average 100,000 in medical costs a year (which isn't hard after medications and a hospital stay or two) it would take only 10 years to exhaust that plan.
I'm on the 10 year plan...that is, switch jobs at a maximum every 10 years lol.
Good luck..