Teachers Insurance

Discussion in 'Elementary Education' started by pbean87, Jul 10, 2008.

  1. pbean87

    pbean87 New Member

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    Jul 10, 2008

    Good Afternoon.

    I have a quick question. I currently work in the Corp-World and I am plannign on going back to school starting in January to get my elem. teachers license. My husband is under the impression that teachers do not have very good insurance. I live in the state of Indiana. Can anyone tell me if that is true or not?

    Thank You
     
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  3. Jem

    Jem Aficionado

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    I've never had a problem. In fact, I have a higher co-pay at my office job right now than I will in the fall.
     
  4. giraffe326

    giraffe326 Virtuoso

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    It really depends on where you work. Michigan has very good insurance. North Carolina, not so much.
     
  5. Caesar753

    Caesar753 Multitudinous

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    Just like any other job, it depends on the district/state. In general, though, it's been my experience that teachers do have access to pretty good insurance. Since teachers don't get paid very much, districts tend to offer other, good benefits in place of salary.
     
  6. INteacher

    INteacher Aficionado

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    In the state of Indiana, each district will be different. I have worked for two different school districts and there were major differences in insurance cost and benefits. The only real way to find out about insurance cost and benefits is ask either at the interview or esp. before you sign a contract. Each district has to negoiate with the union and insurance companies about cost and benefits. The only other way to find out about insurance is if you know teachers already working in the districits you are interested in. My current district has an excellent insurance plan.
     
  7. WaterfallLady

    WaterfallLady Enthusiast

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    I have excellent insurance.

    I have a $10 copay for all drs visits and generic meds are free! I don't pay a penny for it, but next year at my new school I get the same insurance and do have to pay a little for it.
     
  8. amyt682

    amyt682 Comrade

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    Jul 10, 2008

    if your looking at private school, keep in mind you probably won't have any insurance/retirement offered at all
     
  9. Erin Elizabeth

    Erin Elizabeth Groupie

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    Mine is great. I have a low copay, low generic prescriptions, excellent vision, and 100% preventative dental coverage. It all depends on your district and state.
     
  10. GoldenPoppy

    GoldenPoppy Habitué

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    Yes, it really depends upon the district or school. I teach at a private school and my insurance is 100% paid; they pay 75% of my husband's.

    At a private school, insurance may be as negotiable as your salary.
     
  11. Mable

    Mable Enthusiast

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    My deductible is $600, copays/dr. visits are $25. My dental and vision coverage is HoRrIbLe
     
  12. Ghost

    Ghost Habitué

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    Of the two districts I worked in within IN, one had so-so insurance and the other had fantastic. It depends on the district.
     
  13. BASAM

    BASAM Comrade

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    My school pays for me...........I pay about $200 a month for my son.

    Doctor visit $20
    Specialty Dr. visit $30
    After hours $50
    Emergency room $100
    Hospital (admit) $750
    Prescription varies--most I've paid is $30
    Vision - one eye exam a year and one pair of glasses every two years up to $200--you pay difference

    Dental
    cavities/check ups free
    Braces -NOT covered at all (darn expensive kids)
     
  14. Teacher Chele

    Teacher Chele Habitué

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    We have great insurance, but I know it differs from county to county. You might look on your school system's website and check to see if they have insurance info. posted.
     
  15. MS Candy

    MS Candy Comrade

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    Jul 10, 2008

    Compare to the Corp-World, it is about the same. Though times are changing.
    I pay about $280 approx for a family of 5. I have a high co-pay of $20.

    In comparing with a friend in Cali, she pay what I do for just her....
    So as some have mentioned it depends on the District.
     

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