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Health insurance

DmitryWI

DmitryWI

I know nothing...
My employer doesn't provide health ins. I'm looking of getting my own ins. but I need help with what company and what kind of policy should I go. Thanks in advance.
 
Getting health ins outside of the workplace isn't easy. I can't help with companies, but definately shop around.
 
I'm in tha same boat, well kinda...

If you aren't willing to pay Cobra prices then short-term might be your best bet with Assurant/Fortis.

There are cheaper yet if you only want tha bare minimum.
 
My sister is a freelancer, so no true employer. She buys Kaiser Permanente for around the range of $1000-1200 premium per year. Doesn't seem bad. My employer's group buy Blue Cross deal pays my ~$700 premium.
 
DmitryWI said:
My employer doesn't provide health ins. I'm looking of getting my own ins. but I need help with what company and what kind of policy should I go. Thanks in advance.
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When I was self-employed in the late 90's/early 00's, I did comparison shopping using a number of websites available at that time, but I found ehealthinsurance.com to be the best by far. One reason the I suggest that you use web comparison sites is because very few, if any, health insurance companies provide coverage in all 50 states, and you can search based on your location.

I suggest that you research and consider an HSA plan - the deductible is usually one or two thousand dollars minimum, but your monthly premiums/contributions are meant to be used to cover the deductible. The excess contributions are allowed to accrue interest tax-free, in a manner similar to 401(k) retirement plans. The contributions are also allowed to rollover tax free from year-to year.
 
Thanks for all your replies, ehealthinsurance.com is what I've been searching last few daysInvalid Link Removed
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Network
$2,000
20%
$35 Copay (2 per year)
$58.70
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Is this look pretty good? it's only one that covered office visits, well, unless I want to pay $150 per month.
 
DmitryWI said:
Thanks for all your replies, ehealthinsurance.com is what I've been searching last few daysInvalid Link Removed
Invalid Link Removed
Invalid Link Removed
Invalid Link Removed
Invalid Link Removed
Network
$2,000
20%
$35 Copay (2 per year)
$58.70
Invalid Link Removed
Is this look pretty good? it's only one that covered office visits, well, unless I want to pay $150 per month.
Click to expand...
Looks like a good bet provided you are in your 20's, since it's less likely you'd be concerned with costly hospitilazion due to health problems, which would require you to pay the 2k deductible out-of-pocket. Make sure you have a provision for reasonable reimbursement for out-of-network emergency room services, since I'd guess as an actice member this board, you are an active guy :-).

I'm still a big fan of HSA's, though, because all of the premiums (minus administrative fees, of course) is your money to accumulate and hold (with interest) until it's needed to pay your deductible.
 
Hey D...hit up Matt at CNW. He works for an insurance company (car/house/life) and may be able to steer you in the right direction. Just a thought.

Now hit me with some rep points damn it! LOL.
 
I've been looking for something better, and the closest I've gotten is Kaiser-Permanente, but I have nurse friends who say they're not so good (I suspect that'll be true of any huge health conglomerate these days).
 
Cuffs said:
Hey D...hit up Matt at CNW. He works for an insurance company (car/house/life) and may be able to steer you in the right direction. Just a thought.

Now hit me with some rep points damn it! LOL.
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Thanks, Cuffs, but where have you been 2 months ago? Ok, don't answer that, I know (cough, male whore, cough). I got "Golden Rule" insurance, it's $2000 deductible, 100% after that, $55 per month, basically, if some major **** happens.
 
DmitryWI said:
My employer doesn't provide health ins. I'm looking of getting my own ins. but I need help with what company and what kind of policy should I go. Thanks in advance.
Click to expand...

Try to shop online for insurance. I checked on the net found it to be easier. So for those who are in a similar situation as Dmitry, go online when shopping for insurance. The place I went to is insurancepaylite.com they were able to give a quote that was acceptable to me in the speediest time. Anyways hope this helps you guys.
 
Hey D, I have Blue Cross and Blue Shield HMO Plan 2. It is expensive ($330/month for wife and I), and this is my cost after my employer chips in. It costs a lot, but copayments cost $5, and it seems like everything is covered. My wife needs a small surgery, and she won't have to pay a cent. With a lot of programs, you pay less, but if anything happens, you end up paying thousands more. Trying to understand insurance plans is tedious and annoying.

Best bet might be to shop for a job that will give you benefits.

Good luck!
 
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