|Thinking of Returning to College
Feb 18, 1999
I have been working for my current employer for the past 10 years and am thinking of returning to college to get an advanced degree. I am HIV positive and am covered under the company's group plan.
I will have to give up my job (and insurance coverage with my current employer) if I choose to go back to school. Thus I will be eligible for COBRA for the 18 month period. School will take approximately 3 years to complete.
If I understand some of the responses you've given correctly, I believe that (assuming the college has insurance for students) get coverage through the school's policy immediately (and avoid the COBRA route) and (assuming I get a job right after school and continue to be in good health) get insurace with my "new" employer at graduation.
Please provide any thoughts you have relative to my issue(s).
| Response from Ms. Franzoi
You would have a few options: 1) take COBRA for 18 months and then apply for conversion or purchase an individual policy or take the college's plan; 2) purchase an individual policy (if you cannot provide "evidence of good health." the insurer could charge a higher premium but will have to sell you any individual plan they offer); or 3) if the college offers a plan to students, you would be eligible for that plan. However, you should carefully review the terms of such a plan to insure that it provides the coverage you need. Once you are employed by a new employer, assuming the new employer has a plan, you would be eligible for the new employer's plan without any preexisting condition period. (This assumes continuous coverage throughout your time in college.)
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