How does health insurance work in Medical School?
It is my plan to start medical school next year, and I am concerned about health insurance. Since I can not work, I know that some school do provide health insurance, but is it including in tuition? And how exactly does it work? Is it the type of insurance that is limited to only the school’s health care system or is it broader? Please help.
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It depends on what state you are in, but generally speaking, the only advantage of a school plan is that it is guaranteed issue. Most school sponsored policies are limited benefit ($50,000 or so) and your primary care provider is the campus clinic. The cost is in addition to tuition, and if you are like most of us, added on to your student loan.
The advantage to an individual plan is that you own the policy – not the university, or for that matter not your employer either. When you graduate you will still have insurance. An individual policy probably costs less as well.
Don
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