How’s This For A Pickle?
Required insurance plan through school must be waived or enrolled into by October 10, 2008. I get married November 15, 2008, at which point I switch over to future wife’s enormously better, cheaper, more convenient, and less arbitrarily-restricted insurance plan. Incoming students to mid-year quarters get pro-rates, but not current, hard-working, cherished students who’ve already been paying out of their asses for several years now.
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School policy is that once you pay, you’re in for the year. Future wife’s policy is that before you’re married, you’re out. Insurance plan’s customer service representatives’ (I’ve spoken to six) policy is to be as uncommunicative as possible, and to essentially end each sentence with, “so go screw yourself.”
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I will most likely be paying $1,845.00—the yearly going rate—for 75 days of insuredness.
No wait, that’s incorrect. 0 days of insuredness, since I’m too poor and the plan is too crappy to afford seeing a doctor.
Get one of those ‘outside’ plans that meet the requirements, pay for 1 or 2 mths and cancel them when you get married! gotta be cheaper than paying for a year. at any rate, you are a grad student…doesn’t the mstp prog cover your insurance?
Cobra, dude, Cobra!
I’m not sure you qualify for COBRA–to the best of my HR days memory, you have to have lost employment to institute COBRA. HOWEVER, check in to it. One little know thing about COBRA, is that you can intitute it after the fact, by paying for the lapsed time. i.e. INS stop 10/01/01, you don’t inititate COBRA. YOu have some medical issue for which you need coverage. You go to the HR/insurance people, and tell them you want to institute your COBRA. It will be retroactive to date of end of previous coverage. You will have to pay the premiums for the lapsed time.
email me directly and I’ll try to answer questions.
I feel your pain. I’ve run into a similar problem with the school insurance here/my husband’s far superior insurance. Though…. I thought UChicago paid for your health insurance if you were MSTP? It does for the biological sciences grad students (or at least it did 4 years ago).
If not, thanks for giving me another reason to be happy I went to my program instead or theirs!