Health Insurance

For the older student that is leaving a career for law school, health insurance is a priority.  Especially when a spouse and children are involved.

No plan is going to be as inexpensive as the group you had through an employer.  Plan on  anywhere from $600 to $1200 a month for the insurance.  (for example, COBRA would cost me $650 per month). 

Be sure to involve your accountant or tax preparer.  There may be tax breaks, especially if your spouse is self employed.

Look at your needs.  Think about what could happen in the next 3 years.  People don't plan on accidents or acute health conditions, but the occur.  You could be cruising along, then suddenly have chest pain.  That leads to days in the hospital and expensive tests and followup tests.

COBRA is one option.  But it runs out in 18 months.  If your employer had  a good program, this is one option to get half way through.

University group health insurance is an option for those with healthy families that don't have many if any prescriptions.  But, being in the over 40 crowd, that just isn't an option for us.

So, I heard an advertisement for a site to help residents of Arkansas find insurance.   After talking to many folks, I found out that because of pre-existing conditions, that no major medical would take us.  Only a group would be an option.

Found 2 "open" groups.  You basically join an association that has group insurance.  By being a member of the association, you qualify for the group insurance.  We went with a PPO plan underwritten by Markel in Virginia.  With the added prescription rider, it will cover what we need for the next 3 to 4 years.  It is going to run just about $558/month.

If you need insurance, please call Steve at Quantum Health.  His number is  855-321-8300 extension 203.  Tell him Gary DeWitt referred you.

Nothing Much

Nothing much to report.  Had to turn in immunization report.  Filled out my ADA accommodation report with none needed.

Need to get my parking permit done and out of the way.  $75 just to register vehicles....  Then pay for parking.

The school will enroll us in July.  We don't get to pick the classes or times.  But, looking at the full fall schedule, they keep you there from 08:00 - 17:00 every day.  Talking to other students that are further along that is on purpose.  You are supposed to use the gaps to study.