Health Insurance

Lounge By TheCakerator Updated 25 Oct 2008 , 1:17pm by Mike1394

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TheCakerator Posted 22 Oct 2008 , 6:31pm
post #1 of 12

Ok so I am one of the millions of Americans who are uninsured. My dh is getting very insistent that I apply for health care coverage out of pocket. I am fine with this, but really have no idea where to start. I do have high blood pressure and the one company that we have contacted basically has me doing circles in order to get enough blood pressure readings from my doctor, the problem is, I only go once a year to get my 'script renewed and I have only been on it for a little over a year now. So all total I only have two blood pressure readings from my dr where this company is saying I should have a lot more then that ... well I take it at home but apparently those do not count .. well I can't afford to go to the dr's at 60.00$ a pop just to have my blood pressure checked, when its completely under control with the medication he gives me once a year! I was wondering if any of you ccer's have any experience in this ... I am 28 years old and have no major medical problems just high blood pressure, I know, sad, but true. I am looking for a very basic health insurance plan that is going to cover majority of my "major" sickness's if I ever had something happen to me so we don't file bankruptcy, know what I mean? Any help is greatly appreciated!

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Mike1394 Posted 22 Oct 2008 , 6:38pm
post #2 of 12

Before you buy any health care at all. You want to look up the premiums VS the benefit amount VS the copay. For math sake. If your spending 100 a month, and only have a 1200 a yr benefit with a copay it will actually cost you more than if you didn't have insurance.

Don't think that this is rare. Once you actually crucnch the #s it will cost you more than if you didn't have ins.


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TheCakerator Posted 22 Oct 2008 , 7:06pm
post #3 of 12

well the only one we have "really" looked at right now works like this ... we pay the first 500.00 a year, and then up to 20% after that, up to 2500.00 max, then the insurance would cover the rest ... co pays would be 15.00 ... we are just nervous about IF something did happen to me what would happen to our home, cars, etc. ... lacking health coverage is pretty close to being the number one reason why people file bankruptcy ...

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mkolmar Posted 24 Oct 2008 , 2:35am
post #4 of 12

Same issue here. DH is self employed and with a family a 6 it's hard to find affordable yet good coverage.

I'm always one for having insurance if possible. My brother didn't and was in a massive accident that wasn't his fault, the person fled the seen while he laid there close to dying. It's been years and he's still making payments.
I think that just scares me into always looking and once I find one we can afford I switch to them to save money for the same coverage.

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TheCakerator Posted 24 Oct 2008 , 2:00pm
post #5 of 12

are you currently going with one company that you might recommend, or are you still in the looking stages yourself?

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michellenj Posted 24 Oct 2008 , 2:25pm
post #6 of 12

My husband is self employed and we've had to get our own insurance. The first one we got was some sort of "Association" plan that was like $400/month and covered things, but it wasn't great. Aetna would have been a little bit more money for us, but our hospital and doctor's didn't accept Aetna at the time, that's why we went for the Association plan.

Now we have BCBS.

Have you talked to a local insurance agent? They should be a wealth of information. Our guy was. Take note that when you buy your policy independently, when you use the insurance Ithe procedures are different from a group policy.

Something that you might want to look into is your local Chamber of Commerce. It may be worth it for your dh to sign his business up w/ them so that yo ucan take advantage of their group insurance. Most Chambers have a group policy for small businesses in your situation.

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jsmith Posted 24 Oct 2008 , 2:38pm
post #7 of 12

We have Humana insurance. We almost never go to the doctor so we got a plan with a high deductible ($6000) and a low premium. We pay about $130 a month. It includes a free physical every year and at least now we can afford to go to the doctor since the premium is low. Our premium and deductible with our previous insurance was so high we couldn't even afford to go to the doctor when we needed to. ugh. Insurance just makes me mad. Anyway, I'm about your age so I recommend a high deductible policy with a lower premium. That way you're covered if a major accident happens.

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TheCakerator Posted 24 Oct 2008 , 8:53pm
post #8 of 12

thanks you guys ... my husband does not have his own business, but his work pays for his coverage 100%. For me to be added on to his plan monthly it would run us around 300.00 just for me. icon_eek.gif That's to much for us right now ... A few years back I was blacking out and at one time my dh thought I had a small seizure when I passed out but we're not sure ... I had a ton of testing done $$$ but at the time I was employed and had insurance through my work ... all the tests came back normal except for high blood pressure which is why I now take a pill everyday for it. The company that we have been talking to has approved me for insurance but they have not told me definitely what my monthly fee is going to be. Once I do learn it, I can either accept or decline to go with them. This doesn't seem like it should be so confusing but yet ... IT IS!!!! icon_sad.gif

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mkolmar Posted 24 Oct 2008 , 9:45pm
post #9 of 12

I'll be paying $406 a month with Aetna starting in November. The coverage is 80/20 (can't remember the deductable off hand). That's really a decent price considering the size of my family. Luckily for us, all of our doctors accept it as well as the kids specialists.
Call an insurance agent. They make things a whole lot easier.

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TheCakerator Posted 25 Oct 2008 , 3:08am
post #10 of 12

thank you ... I will check into our local insurance agency ...

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ziggytarheel Posted 25 Oct 2008 , 3:32am
post #11 of 12

Every state is different, every plan is different, your medical history makes a difference.

We've had to pay for our own health insurance for 20 years now, and although it is terribly expensive, I wouldn't want to be without it for a minute.

The way insurance MUST work is for most people to pay in more than they get out of it. Same way with all insurance.

But, am I ever glad that we have insurance! I developed a chronic condition which presently requires a $10,000 treatment every other month. We pay zero out of pocket for that. Without insurance, this would never happen and my quality of life would be so much worse.

I hope you do get insurance. Believe me, our budget is tighter than anyone I know right now. But to me, $300 a month for proper insurance would be cheap. It is all about priorities and how much you are willing to gamble. Many financial experts will tell you that health insurance is one of your very top priorities.

I hope you find something that works for you!

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Mike1394 Posted 25 Oct 2008 , 1:17pm
post #12 of 12

Just reading this thread I can't help but think how our lives would've been changed if Clintion's Hcare plan would've went through ten, or so yrs ago.


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