has good benefits and is affordable.I need help choosing one
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Sure, you can get private health insurance for a few years. If you're healthy, no preexisting conditions, you can get a policy for about $250 a month, with a very low deductible. If you want a lot less to pay in premium, you'll have to take a big deductible - like $4,000 a year before the insurance kicks in - but then it should cost you closer to $100 a month.
Source
Monday, August 22, 2011
I need help choosing between 3 different Aetna health insurance plans, can you help?
My plan chooses are Aetna PPO Max, PPO 15, and PPO 5. Also I live in KY if that helps
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The cheaper policy might have a higher deductable to be met each year. For example the cheapest policy at my work place, has a 2000 yearly deductable a 1500 a 500 The 500 one, I would pay more each month for, so that the deductable is lower. My dr is 25 per visit no matter which one. its more about hospital costs in my policy. The prescription coverage could be dif also. I chose to pay less each month, meaning for 25 to the Dr any service he can do in his office, i.e. blood work, xrays, treatements are all covered, if he sends me to another office, I pay for the services, and throughout the year until I spend 2000, I have no coverage, and the 25 office visits do not count in accumulation of the money I spend out of pocket to reach 2000. My prescriptions are a percentage I pay either 30/40/60 percent of the cost depending on if its a generic/brand or other type of prescription. If I wanted to spend 55 each pay period, I could get prescriptions for 3-6-9 dollars each, which is much cheaper, but wow, to spend 55 not knowing if I will get sick or need meds. Id rather have the omoney in my pocket. I can only say to choose the cheapest of the 3 and hope u dont get ill See if they use the urgent care clinics, I use them as a Dr option, they will do any xrays and treatments in their office and save me alot of money. The Dr I put as my primary I go to for services the urgent care doesnt do, certain shots, like the pneumonia vaccine, is only at my regular Drs office. Good luck on that, look at teh graph or chart that shows the coverages compared to get a better understanding. IF you are unlucky and get say cancer, or a bad injury, the most expensive ins would of been better to have, u have to choose what you can afford weekly though, dont go broke getting too expensive of coverage.
Source
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The cheaper policy might have a higher deductable to be met each year. For example the cheapest policy at my work place, has a 2000 yearly deductable a 1500 a 500 The 500 one, I would pay more each month for, so that the deductable is lower. My dr is 25 per visit no matter which one. its more about hospital costs in my policy. The prescription coverage could be dif also. I chose to pay less each month, meaning for 25 to the Dr any service he can do in his office, i.e. blood work, xrays, treatements are all covered, if he sends me to another office, I pay for the services, and throughout the year until I spend 2000, I have no coverage, and the 25 office visits do not count in accumulation of the money I spend out of pocket to reach 2000. My prescriptions are a percentage I pay either 30/40/60 percent of the cost depending on if its a generic/brand or other type of prescription. If I wanted to spend 55 each pay period, I could get prescriptions for 3-6-9 dollars each, which is much cheaper, but wow, to spend 55 not knowing if I will get sick or need meds. Id rather have the omoney in my pocket. I can only say to choose the cheapest of the 3 and hope u dont get ill See if they use the urgent care clinics, I use them as a Dr option, they will do any xrays and treatments in their office and save me alot of money. The Dr I put as my primary I go to for services the urgent care doesnt do, certain shots, like the pneumonia vaccine, is only at my regular Drs office. Good luck on that, look at teh graph or chart that shows the coverages compared to get a better understanding. IF you are unlucky and get say cancer, or a bad injury, the most expensive ins would of been better to have, u have to choose what you can afford weekly though, dont go broke getting too expensive of coverage.
Source
Anyone have any great health insurance policies?
I need a family plan, am relatively healthy but need prescriptions.
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The idea of a "Great" plan will differ with every person you like, I can give you some ideas on what is available and I hope this helps. First let me start by sayiing the fact that you need prescriptions may or may not affect you qualifying for a plan, please consult with a qualified Health Insurance Agent in your area, or a Health Insurance Company in your state. Plans and what is available in the USA: PPO (Preferred Provider Organization) This type of plan is most popular, whereas you can visit physicians and medical professionals, hospitals ET that are within the network and receive services at pre-negotiated rates. This type of plan will offer Deductibles, Co-Insurance, Co-pays. You will only pay for services if needed, or as you go along. The advantage with a PPO is that they allow you to visit thousands of different doctors, the Disadvantage is that you must pay deductibles, co-insurance, copays- which can cost you thousands if you actually use the plan. HMO (health maintence organization) with this type of plan you pre-pay for medical needs. You will pick one physician as your primary care physician and see her/him for all your medical needs. They include Co-pays, and some now include deductibles for hospitalization. Advantages, excellent for someone who wants to use lots of services -little or no out of pocket costs for medical services. Disadvantages, Primary care physicians can be very busy and you will be locked in, referrals must come from the primary care physician. HSA (Health SAvings Accounts) these are the newest type of plans, called "Consumer Driven Healthcare" perfect for anyone self employed and healthy. They have High Deductibles, the consumer will pay for all medical needs up to deductible, and can open a HSA account at a financial institution in order to save money (fed. tax free)!! to pay toward his/her deductible. I personally have this type of plan, these are the fastest growing types of plans in USA. Advantages, Low premiums, Tax savings are wonderful, long term savings can benefit your retirement account. Disadvantages, with no HSA account funded the consumer could pay a high deductible for medical needs.
Source
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The idea of a "Great" plan will differ with every person you like, I can give you some ideas on what is available and I hope this helps. First let me start by sayiing the fact that you need prescriptions may or may not affect you qualifying for a plan, please consult with a qualified Health Insurance Agent in your area, or a Health Insurance Company in your state. Plans and what is available in the USA: PPO (Preferred Provider Organization) This type of plan is most popular, whereas you can visit physicians and medical professionals, hospitals ET that are within the network and receive services at pre-negotiated rates. This type of plan will offer Deductibles, Co-Insurance, Co-pays. You will only pay for services if needed, or as you go along. The advantage with a PPO is that they allow you to visit thousands of different doctors, the Disadvantage is that you must pay deductibles, co-insurance, copays- which can cost you thousands if you actually use the plan. HMO (health maintence organization) with this type of plan you pre-pay for medical needs. You will pick one physician as your primary care physician and see her/him for all your medical needs. They include Co-pays, and some now include deductibles for hospitalization. Advantages, excellent for someone who wants to use lots of services -little or no out of pocket costs for medical services. Disadvantages, Primary care physicians can be very busy and you will be locked in, referrals must come from the primary care physician. HSA (Health SAvings Accounts) these are the newest type of plans, called "Consumer Driven Healthcare" perfect for anyone self employed and healthy. They have High Deductibles, the consumer will pay for all medical needs up to deductible, and can open a HSA account at a financial institution in order to save money (fed. tax free)!! to pay toward his/her deductible. I personally have this type of plan, these are the fastest growing types of plans in USA. Advantages, Low premiums, Tax savings are wonderful, long term savings can benefit your retirement account. Disadvantages, with no HSA account funded the consumer could pay a high deductible for medical needs.
Source
How funny will it be when the Senate refuses to pass the House's health insurance fix....a very real?
possibility because of a procedural problem that Republicans are calling their "trump card"
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This will probably be the case.
Source
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This will probably be the case.
Source
Health Insurance for Recent College Grad?
I just graduated from college, and my school health insurance has expired. I'm not working, and back to live with my parents. My mom refuses to add me to her insurance plan (Aetna). She is saying that I'm over 21, that's why she can't add me, but my dad who's 65, and also working, and is eligible for Medicare, is on her plan, along with my 13 year old brother. What can I do to make her add me? I really need health insurance.
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First you need to understand it's not your mom that is refusing, it's the health insurance plan. Every health insurance plan has rules as to what family members qualify. Spouse and children 18 and younger can be covered, but once you turn 18 you have to be in college FT for it to cover you and in most cases if your in college FT it will only cover you to the age of 21. So since you are 21 and out of school the insurance will not cover you, even if you are living at home and have no insurance, this is just how it is otherwise everyone could be covered under a family plan forever, which would make health insurance through an employer too expensive for people to carry. Since you are an adult, and finished w/college you need to look for a job that offers benefits, in the mean time you can check out your state medicaid coverage and see if you qualify. Your not alone in this everyone who grows up and turns 18 has to find their own health insurance coverage, or if they go to college FT they can have it until they are 21, then your own. Don't mean to sound harsh but your an adult and your parents can't provide everything for you forever, even if they wanted to this is the rules of health insurance plans. So find a job w/health insurance, in the meantime see if you can enroll for medicaid (state health insurance coverage). It's tough, but this is life. Best of luck! HR Manager
Source
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First you need to understand it's not your mom that is refusing, it's the health insurance plan. Every health insurance plan has rules as to what family members qualify. Spouse and children 18 and younger can be covered, but once you turn 18 you have to be in college FT for it to cover you and in most cases if your in college FT it will only cover you to the age of 21. So since you are 21 and out of school the insurance will not cover you, even if you are living at home and have no insurance, this is just how it is otherwise everyone could be covered under a family plan forever, which would make health insurance through an employer too expensive for people to carry. Since you are an adult, and finished w/college you need to look for a job that offers benefits, in the mean time you can check out your state medicaid coverage and see if you qualify. Your not alone in this everyone who grows up and turns 18 has to find their own health insurance coverage, or if they go to college FT they can have it until they are 21, then your own. Don't mean to sound harsh but your an adult and your parents can't provide everything for you forever, even if they wanted to this is the rules of health insurance plans. So find a job w/health insurance, in the meantime see if you can enroll for medicaid (state health insurance coverage). It's tough, but this is life. Best of luck! HR Manager
Source
Does Teacher's health insurance pay for giving birth?
My sister is thinking about becoming a teacher. I asked her some of the reasons why she wants to do it. One of her biggies were the supposed great benefits and one of them being awesome health coverage. That made me think of what is a major hospital bill she will end up paying and I thought of pregnancy bill. Is this teacher's health insurance that awesome that it will pay for those types of bills? Thanks.
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No one here can possibly know. It depends on the specific group plan she's covered under.
Source
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No one here can possibly know. It depends on the specific group plan she's covered under.
Source
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