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  1. #1
    stacy_de_lin is offline Member
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    Health Insurance Question

    Hey guys. I've been having trouble getting a straight answer from admissions, so I thought I would ask here. Here in the states, my husband and I have good health insurance through his company which we will be able to keep while we are in Grenada. The problem with that of course is that all of the offices/hospitals are in the states, so we wouldn't have access to them. But if there was an emergency, we would have good care in the states (we will definitely get the evacuation insurance as it is cheap), as well as the benefit of having established health insurance when we return to the states.

    I'm trying to figure out what the benefits of getting health insurance through the school are. Is in mainly for services in the states or does it offer something extra in Grenada? If we don't have insurance from the school, do they deny you care for something routine, such as a simple doctor's visit? The main reason that I ask is that for both my spouse and I, health insurance through the school would be considerably more than we are paying now, so I'm wondering what the benefits are from getting it through the school.

    Thanks for your help!

    Stac'

  2. #11
    Malikha's Avatar
    Malikha is offline Senior Member 510 points
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    insurance

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    If any one can give me some advice, i really appreciate it.

    Here is my situation:
    I have Blue cross plan now and it doesn't cover out of country.
    It will only cover the initial emergency cost if something happens to me in foreign country.

    If I want insurance that covers in Gnd, I have to get travel insurance. And travel insurance doesn't cover the time in US.
    If I want it covers in US, I have to buy a expensive ones (>$100 per month).

    If I keep my insurance ($73/month) and buy cheapest travel insurance ($32/month). It would cost me about $1200 per year.

    I don't know what to do anymore since I been looking for insurance options for like a week now. And I still have to do those Hep titer and I don't want to pay a lot without my insurance here in states.

    Is there any way I can get my Hep titer in GNG and covers it with travel insurance? I should keep my insurance here and don't bother about getting one for out of country? I am also scared that something happens to me over there and I am moved back to state and I won't have an insurance that covers me here.

    Really confused...
    CCNY - ** Computer Science ~class of 2003
    St.George's University SOM ~ classs of 2009

  3. #12
    jaywalk81 is offline Useless Guru 521 points
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    Quote Originally Posted by Malikha
    If any one can give me some advice, i really appreciate it.

    Here is my situation:
    I have Blue cross plan now and it doesn't cover out of country.
    It will only cover the initial emergency cost if something happens to me in foreign country.

    If I want insurance that covers in Gnd, I have to get travel insurance. And travel insurance doesn't cover the time in US.
    If I want it covers in US, I have to buy a expensive ones (>$100 per month).

    If I keep my insurance ($73/month) and buy cheapest travel insurance ($32/month). It would cost me about $1200 per year.

    I don't know what to do anymore since I been looking for insurance options for like a week now. And I still have to do those Hep titer and I don't want to pay a lot without my insurance here in states.

    Is there any way I can get my Hep titer in GNG and covers it with travel insurance? I should keep my insurance here and don't bother about getting one for out of country? I am also scared that something happens to me over there and I am moved back to state and I won't have an insurance that covers me here.

    Really confused...
    you techinically dont need to submit ur hep B titer until u start the clinical rotation (yr 3 and 4)

    there is a clinic on campus that basically is free to students, but if you need meds or lab work done or to be sent to the hospital then there will be a fee that you have to pay outta ur own pocket if you dont have the school's insurance. but if ur US insurance like mine is willing to reimburse u, then u will get the money back eventually.

    the worst that sickness that i have seen ppl here get is dengue and giardiasis. some can tough it out without any meds some will need medical attention.

  4. #13
    jaywalk81 is offline Useless Guru 521 points
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    if you ar worry about like trauma, i havent seen any...at least i hope there arent any.

  5. #14
    jaywalk81 is offline Useless Guru 521 points
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    malikha,
    what i would do is keep ur stateside insurance because if you dont provide any health insurance, you cant register. but if you are really worry about covrerage in GND, then i would go with the SGU one.

  6. #15
    Malikha's Avatar
    Malikha is offline Senior Member 510 points
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    insurance

    Quote Originally Posted by jaywalk81
    malikha,
    what i would do is keep ur stateside insurance because if you dont provide any health insurance, you cant register. but if you are really worry about covrerage in GND, then i would go with the SGU one.
    I think i probably leave my insurance. I hope nothing will happen to me in GND. =) I will just hope and pray that I will be ok down there. For the Hep titier, it was my fault, I thought I needed to finish for next year term 3 instead of yr 3 and 4. That's good. Thanks jaywalk, you and emt are the best people on VMD.

    I am kind of relieve now.
    CCNY - ** Computer Science ~class of 2003
    St.George's University SOM ~ classs of 2009

  7. #16
    jaywalk81 is offline Useless Guru 521 points
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    Quote Originally Posted by Malikha
    I think i probably leave my insurance. I hope nothing will happen to me in GND. =) I will just hope and pray that I will be ok down there. For the Hep titier, it was my fault, I thought I needed to finish for next year term 3 instead of yr 3 and 4. That's good. Thanks jaywalk, you and emt are the best people on VMD.

    I am kind of relieve now.
    you are welcome.

  8. #17
    emt036's Avatar
    emt036 is offline Elite Member 510 points
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    Quote Originally Posted by jaywalk81
    if you ar worry about like trauma, i havent seen any...at least i hope there arent any.
    Actually it has happened this term...

  9. #18
    emt036's Avatar
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    Quote Originally Posted by Malikha
    I think i probably leave my insurance. I hope nothing will happen to me in GND. =) I will just hope and pray that I will be ok down there. For the Hep titier, it was my fault, I thought I needed to finish for next year term 3 instead of yr 3 and 4. That's good. Thanks jaywalk, you and emt are the best people on VMD.

    I am kind of relieve now.
    NP, glad to help :-)

  10. #19
    Malikha's Avatar
    Malikha is offline Senior Member 510 points
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    allergic

    Quote Originally Posted by emt036
    Actually it has happened this term...
    Is that the canadian girl who allergic to her med? I read about this in her blog.
    CCNY - ** Computer Science ~class of 2003
    St.George's University SOM ~ classs of 2009

  11. #20
    emt036's Avatar
    emt036 is offline Elite Member 510 points
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    Quote Originally Posted by Malikha
    Is that the canadian girl who allergic to her med? I read about this in her blog.
    No the trauma part... motor vehicle accident.

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