Sea Year - Pay/Insurance

Discussion in 'Merchant Marine Academy - USMMA' started by KP2013, Jan 26, 2009.

  1. KP2013

    KP2013 Member

    Joined:
    Jan 10, 2009
    Messages:
    10
    Likes Received:
    0
    How is medical insurance handled during Sea Year? USMMA? Shipping Company? Private? Parents? Simply "keeping my insurance", which is really me as a depedent on my parents policy, may not be an option.

    Thanks
     
  2. jamzmom

    jamzmom Founding Member

    Joined:
    Jun 9, 2006
    Messages:
    1,958
    Likes Received:
    3
    http://www.usmma.edu/life/services/health.htm

    I'd strongly advise speaking directly with Academy officials for official clarification & peace of mind. I will add that the folks at Patten take very good care of the Mids and in most cases there is no cost to them nor their parents. Note: If you make an appointment to either health services or dental, you'd best remember to keep it as it will result in restriction/s. :smile:
     
  3. kp2001

    kp2001 USMMA Alumnus

    Joined:
    Jun 9, 2006
    Messages:
    2,153
    Likes Received:
    113
    Medical problems at sea are handled any different number of ways. If you are injured while working you will likely fall under either care paid for by the company you are working for or the academy. If you get sick it will likely be covered by the academy; however, if it is a "pre-existing" condition it is possible that the academy/shipping company will deny coverage and this is the reason why you need to maintain your own insurance.

    It would be quite expensive if you did something stupid while overseas and injured yourself while off-duty and out and about on the town and were denied coverage and didn't have your own insurance.
     
  4. jamzmom

    jamzmom Founding Member

    Joined:
    Jun 9, 2006
    Messages:
    1,958
    Likes Received:
    3
    KP2001, there was an issue last year that I am trying to recall (with your help). A Mid was home during Fall Break & ended up with Strep that was treated by a physician near his home. The bill for this went directly to the Academy. However, it took a long route to get there as the Mid was supposed to have given the attending physician's office Patten's name & address as their "home" address for the billing to be correct. The parents had fun trying to get the proper paper work to Patten. In the end, all was well but it took months of effort. Would it be correct to say that for these type of incidents that Mids are to always place Patten as their main health provider & KP as their true "home" address?
     
  5. kp2001

    kp2001 USMMA Alumnus

    Joined:
    Jun 9, 2006
    Messages:
    2,153
    Likes Received:
    113
    There always seems to be some sort of story like this every year, it mainly occurs during Indoc or shortly thereafter. Once the midshipmen arrive to Kings Point they should always use their KP address as their 'home address' and Patten as their health care provider for any health care related things.

    There are several instances of midshipmen requiring care at the local hospital during Indoc and when there giving their true home address as their address. The hospital will then send the bill to their parents beginning a nightmare of a problem that usually takes a long time to get sorted out. Definately listen when Patten is talking during Indoc :)
     

Share This Page