health insurance

hi there,

I'm going to be a postdoc in UCLA. I have a question about the health/dental/vision insurance plan for postdoc. How much do I have to pay for the insurance monthly? My wife is still a student in other school on F1 visa and she will not claim to be my dependant (H4) at this moment. Can she be included in my insurance plan even if she is not a dependant? Same question for my son. He was US-born, so he will not be my dependant (H4) either.

Thanks a lot.

steverto's picture

Humana also wants no referrals and permits you to get critical situation care anyplace your travels may get you throughout the world. There are lots of other great benefits to enrolling in a Humana health care insurance plan.

romankates's picture

I found when I did my undergrad that I could actually get cheaper insurance going through a student insurance company than with the school. I am looking at UCLA for graduate work and will post here if this is the same situation. Natural health Remedies

Anonymous's picture

Another solution postdoc students may want to look at when deciding on affordable health insurance is the many student insurance sites. I found when I did my undergrad that I could actually get cheaper insurance going through a student insurance company than with the school. I am looking at UCLA for graduate work and will post here if this is the same situation.

Kyle's picture

With regard to dependents, all are eligible for enrollment in the postdoc insurance plans. If your wife currently has coverage at her institution, you could waive coverage for her and only enroll your child. Once your wife's coverage terminates, she would then be eligible to enroll as a dependent on the postdoc plan (loss of coverage is seen as a "qualifying event").

In most cases, the department pays 100% of your insurance costs (including dependents). Exceptions to this rule are: 1) when you select the more premium PPO medical option, at which time you pay $30/60/90 per month depending on the number of your dependents ($90 in the case of adding a spouse & child); and 2) if your funding source is an individual fellowship. With the latter, departments are still encouraged to meet the same contribution levels as with the postdoc "employee," but in a handful of cases, they may request that you pay a portion of the premiums.

surefirer's picture

thanks a lot.

ajay's picture

The monthly rates for 2007 are posted here:
http://www.gdnet.ucla.edu/gss/postdoc/ucpsbprates.pdf

The official document that you should make yourself aware of:
http://www.gdnet.ucla.edu/gss/postdoc/pdhlthbnft.htm

The website to enroll after you get here is:
https://www.garnett-powers.com/postdoc

I am not certain about the family coverage part because I dont have personal experience, however, I don't see any reason why your wife and son can not get insured under your plan (i.e. health coverage dependence status need not be linked to your immigration statuses). It may be best to compare the rates between you using your plan for your family or using your wife's plan.

Cheers and welcome to UCLA!

Ajay

"I refuse to believe that everybody refuses to believe the truth" - Lisa Simpson

"I refuse to believe that everybody refuses to believe the truth" - Lisa Simpson

surefirer's picture

thanks a lot for your reply. I was reading the monthly rate for postdoc. If I understand it correctly, if I choose HMO Med/HMO Dental/Vision or HMO Med/PPO Dental/Vision, I don't have to pay anything even for my family, is this true? Thanks again.

ajay's picture

So I understand too. But, be warned that you may have other levies at the time you get care and there are often limits, deductibles and copays that you need to understand carefully by reading the prospectus before you signup for any insurance. There's over 60% chance that you are not from the US, if so, you can get anecdotal understanding of some worst-case scenarios by watching this recent documentary.

"I refuse to believe that everybody refuses to believe the truth" - Lisa Simpson