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
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.
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.
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.
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.
if your looking at private school, keep in mind you probably won't have any insurance/retirement offered at all
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.
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.
Of the two districts I worked in within IN, one had so-so insurance and the other had fantastic. It depends on the district.
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)
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.
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.
