ross' health insurance covers diabetics ?

[diediabo]

Hi, I'm going to be a new student. I'm a diabetic type2.

While reading the brochure for the insurance company Ross wants us to use, they say NO PRE-EXISTING CONDITIONS. I called them and they said just send in the medication receipts and after the deductible, they'll reimburse me some %. But I'm worried that after paying the premium they'll said "oops, your diabetes is a prexisting condition. we won't help you. But thanks for your money."

Has any ross students had trouble getting reimbursed for diabetes medication from this company ?

Also, they don't have claim forms. They said just mail the receipts by themselves. Sounds wierd.

[MitchDC]

Yeah, you are in a tough situation. Having a pre-existing condition like DMII will plague you all of your life when it comes to health insurance, life insurance, etc.

Students Resources is the company that most schools (US and US/Foreign) use. I've never had any experience with it, but it is only one of your options. Look around and get quotes and detail for other plans. If you find a better plan you can sign the waiver and go with them.

-M

Hi, I'm going to be a new student. I'm a diabetic type2.

While reading the brochure for the insurance company Ross wants us to use, they say NO PRE-EXISTING CONDITIONS. I called them and they said just send in the medication receipts and after the deductible, they'll reimburse me some %. But I'm worried that after paying the premium they'll said "oops, your diabetes is a prexisting condition. we won't help you. But thanks for your money."

Has any ross students had trouble getting reimbursed for diabetes medication from this company ?

Also, they don't have claim forms. They said just mail the receipts by themselves. Sounds wierd.

[billydoc]

Hi diediabo!
I also have type 2 DM,so I'll speak from the experience.
I'm no longer at ROSS.But when I was there I just kept my insurance from the States.Although I provided ROSS with a copy of it, they still charged me for their's. Make no mistake. It will cover nothing. Make sure you get emergency evacuation plan to some place where there is at least a shread of civilization, preferably U.S terretories (P.R) or the U.S. It may be more expensive, but you can't play with this things, especially in places like Dominica.Seriously LoL. I did EMS duties,as many former allied health care practitioners do. But that's your best bet for health care over there. Make sure you bring enough meds, and testing supplies with you. And trying to stick to the diet...good luck.

Hi, I'm going to be a new student. I'm a diabetic type2.

While reading the brochure for the insurance company Ross wants us to use, they say NO PRE-EXISTING CONDITIONS. I called them and they said just send in the medication receipts and after the deductible, they'll reimburse me some %. But I'm worried that after paying the premium they'll said "oops, your diabetes is a prexisting condition. we won't help you. But thanks for your money."

Has any ross students had trouble getting reimbursed for diabetes medication from this company ?

Also, they don't have claim forms. They said just mail the receipts by themselves. Sounds wierd.

[MitchDC]

I believe you are required to have an alternative international health plan that will cover you outside the US. Most US plans won't do that (if you are out of the country for longer that X amount of days. BUT if you were still charged for health insurance through the school you didn't fill out the form (available from the Dominica FA office) that releases you from that. If you did fill out the form you should have spoken up to the bursar office to make sure the mistake was corrected.

-M

Hi diediabo!
I also have type 2 DM,so I'll speak from the experience.
I'm no longer at ROSS.But when I was there I just kept my insurance from the States.Although I provided ROSS with a copy of it, they still charged me for their's. Make no mistake. It will cover nothing. Make sure you get emergency evacuation plan to some place where there is at least a shread of civilization, preferably U.S terretories (P.R) or the U.S. It may be more expensive, but you can't play with this things, especially in places like Dominica.Seriously LoL. I did EMS duties,as many former allied health care practitioners do. But that's your best bet for health care over there. Make sure you bring enough meds, and testing supplies with you. And trying to stick to the diet...good luck.

[diediabo]

an ex student tells me that the local pharmacy sells a month of glyburide and metformin for $40 US. Sounds like its cheaper to just pay out of my pocket than the postage it takes to argue with Ross' insurance.

[billydoc]

Hey diediabo!
My advice to you: DO NOT GAMBLE with your health. You are going to the 3 rd World hellhole in the middle of nowhere. Please understand that I'm not talking about school here, but the island itself. I was getting all kinds of advices from the "experts" on just about every subject on these forums also. The bottom line is BE PREPAIRED> Who knows where the "glyburide" and "glucophage" on Dominica come from? Get enough refills, or get Rx for more than you currently use, but do not rely on getting quality diabetic supplies on Dominica.
Before I went down there I called my insurance, and told them I'll be outside of U.S. but they did tell me that if I'm on US territory (i.e Puerto Rico) they'll cover an emergency TX. So get yourself a good evacuation coverage. The insurance school sells to you is practically useless, at least on that island. I had a classmate who's son broke his leg. They were on their own all the way to the States. Your best insurance is cold, hard cash...period! As for school, they did have copy of my insurance policy, but a year later they are still in the"process of refunding" lol.
Good Luck and Stay Well

[Dru]

Take extra testing supplies. You are going to a new and different lifestyle, including higher levels of stress (which will drive your sugar high), and possibly more physical activity (which will drive your sugar down). It may be necessary to self-assess your sugars more frequently than usual the first days or weeks you're there, because your diabetes may improve or worsen with your new change in environment.