Health Insurance Question

**stacy_de_lin** · 06-26-2005, 05:01 PM

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'

**Nimitt** · 06-26-2005, 05:06 PM

Stacey,

Keep the insurance from the states its cheaper probably and better coverage. When you are down on the rock and need to see a doctor you have the school clinical tutors that run the SGU clinic you can see. So dont worry about that. Just get the evac insurance from the school and keep your husbands stateside insurance. Trust me...

**ikep** · 06-26-2005, 07:21 PM

The school ins is called "hit by a bus insurance" which means that you would only use in such eventuality as when you get hit by a raggae bus down here. Keep your old ins with the evacuation option.

**Malikha** · 06-26-2005, 08:40 PM

Originally Posted by Nimitt

Stacey,

Keep the insurance from the states its cheaper probably and better coverage. When you are down on the rock and need to see a doctor you have the school clinical tutors that run the SGU clinic you can see. So dont worry about that. Just get the evac insurance from the school and keep your husbands stateside insurance. Trust me...

Nimitt,
Is that ok to just have my state insurance even though it doesn't cover in Grenada or I should get the one that covers in Grenada. I will definitely getting the air evacuation plan though.

**Flounder** · 06-26-2005, 10:01 PM

Another question does anyone know what the difference between plan one and plan two is?

**emt036** · 06-26-2005, 10:03 PM

Depends on what is covered by your state insurance... The evacuation insurance will get you as far as whatever the air transport company deems an appropriate hospital (which I hope is as far as FL), not necessarily back home. In Grenada, you can see doctors at the university clinic for free, and care in the General Hospital Emergency Department (Casualty) is also free (know from personal experience.) I am not sure what the costs are for inpatient, but if you have something serious enough to require admission to the hospital, you're probably going to want to be in a hospital in the States anyways.

**emt036** · 06-26-2005, 10:08 PM

Originally Posted by Jackb79

Another question does anyone know what the difference between plan one and plan two is?

The only difference I saw is the deductibles -- $50 vs. $500

More info:
http://qp1.sgu.edu/QuickPlace/health.../?OpenDocument

**IndianBabu** · 06-26-2005, 10:10 PM

In case you're Canadian, and reading this, BLUE CROSS TRAVEL INSURANCE is very affordable, and includes air coverage as well. I'd opt for this over the school's plan.

IndianBabu

**jaywalk81** · 06-27-2005, 11:40 AM

i kept my own insurance from NY and the only burden that i have to deal with is if i have to pay anything for any medical expenses in GND, i will have to pay it first out of my own pocket and then get the receipt and stuff to get a reimbursement from my insuarnce company back home. besides that i think the insurance in SGU and ones from US are pretty much the same.

**Rico** · 06-27-2005, 12:29 PM

Originally Posted by IndianBabu

In case you're Canadian, and reading this, BLUE CROSS TRAVEL INSURANCE is very affordable, and includes air coverage as well. I'd opt for this over the school's plan.

IndianBabu

I like this though,,, they have a great deal on insurance and way cheaper than GND... I'll stick 2 this.

Thanks,
Rico

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