Don’t want to enroll in the Columbia health insurance plan?
Filed under: Health Insurance Quotes, Medical Health Insurance
Reader question:
I already have health insurance coverage, but my university, Columbia, automatically enrolls you in their insurance program when you register full time. How do I get out of that?
Alexis
Great question.
It can be a little annoying that your university doesn’t give you the option of enrolling or not enrolling in its Columbia health insurance program, but you have to understand that it is mostly in order to protect the interests of its own finances and those of its students. It also offers you health insurance at cheaper rates than you might receive it elsewhere. However, while it is compulsory to be insured while you are attending Columbia full time, it is not compulsory to be insured by Columbia.
If you have your own health insurance coverage, then you can get a waiver to get out of being automatically enrolled in that of your school. It’s not very hard to do. The main thing that you need is documents proving that you have other health insurance coverage. This shouldn’t be easy to get, since all you wil need is your insurance card, which you should already have on your person at all times.
The catch is that while you have to provide proof of insurance, it has to meet six criteria. To find out what these are, go to the Columbia University website. Luckily, once you have waived your coverage, you don’t have to hassle too much with it. Once you waive it for the first semester of the school year, it is automatically waived for the next one. You will, however, need to get it waived all over again for the new school year if you continue attending Columbia.
Cheers,
Fashun Guadarrama
Buying temporary health insurance
It may be time for you to get medical health insurance if you no longer have a job that provides you with it, have recently graduated from college, or are no longer listed with your parents’ on their medical health insurance plan. Sometimes, it’s hard to make the right decision about your health insurance in this time, because it’s expensive and there are just so many choices available. It also might be true that you are expecting to get another job that provides health insurance soon, or you already have but you have to work there for a certain number of months before you are eligible to opt in.
When you are in a situation like this, you don’t want to make any big commitments, especially with something as expensive and important as medical health insurance. That’s why if you find yourself in these positions, you should buy short term health insurance. Short term health insurance is a health insurance plan similar to more long term ones, but is given for a period of only 6 to 12 months. Sometimes it can be renewed over and over for up to 36 months.
It might be the case that you just can’t afford the cost of regular health insurance, and thus need another option while you try to get back on your feet to the point where you can afford it again. Short term health insurance is cheaper, so it is also helpful for people who don’t have any current prospects for health insurance, but just need something to hold them over in a hard time.
Cheers,
Fashun Guadarrama.
NY health insurance through your employer
One of the troubles with getting health insurance through your employer in many states has to do with the fact that only you yourself gets covered. Where, then, does that leave your family? This can lead to a cause of stress in many families, especially when one spouse has a job that provides medical health insurance, and another spouse has a job that does not, and neither have the money to purchase non-employer provided health insurance.
Luckily, in New York health insurance, any group health insurance plans that you get through your place of work has to cover more than just yourself–it has to cover your whole family. So if you have NY health insurance with your employer, your spouse and children must be covered as well. It also helps that if you or anyone in your family have a pre-existing condition, they are still entitled to get NY health insurance and can’t get turned down. Even if you are part of a smaller company, you don’t have to worry about your medical health insurance plan getting canceled just because one of the employees has to make a claim.
Cheers,
Fashun Guadarrama.
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