🚀 go-pugleaf

Gregory Hill wrote:
> I am looking for recommendations of off-campus health
> care providers, preferably from students that have
> used them and been happy with the services.
> 
> As a grad student not taking classes, I don't like
> having to pay full fees just so I can have Wardenburg insurance.

     Look into insurance sponsored by professional organizations.  As a
member of the Institute of Electrical and Electronics Engineers (IEEE),
I get their group health insurance at low cost.  It is a Preferred
Provider Organization (PPO);  I can choose any doctor and hospital I
want, but get an extra break if my choice happens to be within their
PPO.  Referrals are not required if I want to see a specialist.  I do
not have to filter everything through a bureaucracy or a primary care
physician.

     The particular plan I chose has a $0 deductible inside the PPO and
a $2000 deductible outside it.  Coverage is at 90% both inside and
outside the PPO.  The cost for me is $72/month.

     Other professional organizations often have similar deals.  Often
the only requirement for full membership in such professional
organizations is a Bachelor's degree in a related area or a year of work
experience in it.  (Note that in the IEEE, being a student member does
not help.  Only full members qualify to buy the insurance.)

     I have been using the IEEE insurance for a year now while taking
graduate courses at CU.  I am quite happy with it.  I would not be at
all interested in switching to an HMO or other form of managed care.  I
get the value I want with the choice I have made.

					David Keaton
					dmk@dmk.com