Health insurance high deductible

Common Questions and Answers about Health insurance high deductible

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Avatar n tn Which provider is cheapest depends on your circumstances - age, health - and the type of insurance you are looking to get - personal, fmaily, business, low deductible/high deductible etc.. There are a couple of tools you can use - ehealthinsurance.com or netquote.com or USInsuranceOnline.
290867 tn?1333572878 In Massachusetts it just went into effect that every resident HAS to have health insurance or you lose your tax exemption. Fortunately I have very good insurance at my job as does my husband but if we didn't, we would have to go the other route. I have seen some companies adverstising as little as 150 a month to get a tailor made policy to suit your needs. I would search the internet and look into it to see what you can find.
Avatar m tn Dear giraffe7983, On your profile you have stated that you reside in CA and even though I am very familiar with all CA plans (including those offered by Anthem Blue Cross of CA & Blue Shield of CA) ; I don’t know of any plans offered by Blue Cross that has a $900 deductible. So I won’t be able to comment on the specific plans, however generally speaking going with a higher deductible when you are young & healthy is not a bad idea.
Avatar f tn I was interested in seeing how many of us have health insurance vs no health insurance.
Avatar f tn My 26 year old daughter let her blue cross individual health insurance lapse 90 days ago. , She has no assets and is about to become unemployed. She smokes, although is trying to quit and four years ago was treated for IBS which does not bother her since she quit dairy. Otherwise, very healthy and does not live a risky lifestyle. . I am considering buying insurance for her until she finds a new job (hopefully one with insurance) to protect my assets in the event of a major illness.
Avatar m tn I am so far a healthy 43 year old/m in pa. I am trying to decide which health insurance plan will be good for my situation and I am looking for some opinions here. This Month my group plan ends and I can take cobra but there is no financial benefit to taking my same PPO plan which gives me to price break for being unemployed. So I am trying to look at this at a meaningful way. Since my PPO was $475/m plue $29 dental I just cant be paying that on my own now.
Avatar n tn Dear jack1122, Dear jack1122, With your pr-existing condition you should contact the Illinois Comprehensive Health Insurance Plan which is guaranteed issue which means you can not be declined due to your pre-ex condition. You can browse their website @ http://www.chip.state.il.us/ and use their “EXPLORE THE CHIP WEBSITE” tool (especially look for the premium calculator under UTILITIES) and call them at Toll Free 866-851-2751 or 217-782-6333 if you have any questions.
Avatar m tn My opinion is that I would stay with what you have and carefully tweek the deductible if you have to. In today's health insurance market is would be a huge risk to try to switch. I assume you are talking about a private policy here and that's even a bigger reason to stay put. I also would not trust an agent to tell you what's best for YOU in this situation because they are going to make a sale.
4806014 tn?1424505478 Starting January 1, 2014, health insurance plans can't refuse to cover you or charge you more just because you have a pre-existing health condition due to the passage of the The Affordable Care Act in 2010, otherwise known as Obama care. This is something we patient advocates have all fought for. Kaiser has a contract with UC and here at UCSF we perform Kaiser patients liver transplants on a routine basis.
Avatar n tn I currently have a high deductible health plan through my husband's employer at no charge to us. Due to my recent promotion, I am now elgible for a good plan through my employer. My intention is to keep both plans. I would use my plan for most things but use his plan for dental and vision. Is that a possibility?
Avatar m tn I was wondering if anyone had any good information on health insurance providers. A friend of mine was recently diagnosed with MS and is trying to wrap her mind around the whole situation. She currently does not have any health insurance and I am trying to help out by learning all I can about MS, [url=http://www.goldenrule.com]health insurance[/url] , treatments , etc. I am new to MS as well as this forum. Any information that you can provide would be of great help.
Avatar f tn I would suggest talking to your local health department or family services to see what suggestions they may have for your state. Also, see if there is a birth center near you. I know our local BC has options for families with no insurance. The total out of pocket to deliver there and be seen throughout the pregnancy is about $4500 compared to 3x that amount about the hospital.
Avatar f tn Is if nyboby is using private insurance and Medicaid at the same time.... My insurance deductible is so high that I can afford it so I went and applies for Medicaid and guess whatThank God got approved now my ? Is do I use both or just Medicaid any experience in this topic ladies......
Avatar n tn My last Hep tx shots were over 2 years now but has anyone out there tried to change health insurance post tx and had their coverage either denied or premiums increased dramatically when they learned of your Hep C past? I am too worried to tell my new insurance agent who recommended United HSA plan about my past Hep C tx even though I am now clear of the virus and my tx was over their 2 year pre-existing clause.
427265 tn?1444080036 and looking into options of finding a job where group insurance is offered in the area (one)...I decided to go with a high deductible risk insurance. Well, really it was the only one available with a pre-existing condition like HCV. And then to have my boss agree to contribute money towards it that almost cuts the monthly premium in half, even going with a lower deductible. So now I can be insured and still eat too!!
876473 tn?1240167269 but that is what we have done with health insurance companies. 2. They have been given the ability to withhold services If all United Health Care (for example) did was to provide insurance, they would not be vilified as they are. But since the only data available for medical care was the claims data they hold, they were put in a position to control cost. This was sensible initially, as they had both the data and the means (denying unnecessary care) of cutting cost.
Avatar f tn Its a new law, your larents insurance will cover you until you are 26, married or not, but not your baby. You will have to tell the insurance you are married bc you have to change your name with them.
Avatar f tn Do any of you have pet insurance. I've looked at a couple but they seem like a rip off. A lot of stuff is excluded from coverage and after the deductible and what they don't cover, it seems like what little they do pay is not as much as the premiums.
1391695 tn?1298143389 OK, thanks, hopefully my insurance will cover, if not, this is good info. Do you think I can call my insurance and ask? If so, what is the exact technical shot I am asking about?
Avatar f tn The bill came in today and it was $9.50. Neither of my plans have a deductible and i receive my insurance through work.
Avatar n tn I have epilepsy and I'm on medication. I'm looking at an HSA plan with an $1150 deductible, between that and the premiums it's right in my budget. After that it picks up everything I need 100% within their network, and all my doctors are in there network. I also did some research and looked at what an HSA is and some of the specifics. This specific account requires a $25 per month deposit and 2% interest. My question is why would I better off with a PPO/POS plan compared to this HSA plan?
798555 tn?1292791151 Health insurance is a hot topic as the prices soar and they cover less and less, no shocker there. Changes are happening at a very fast pace all of a sudden, and, of course we get the short end of the stick. Some basic meds are not even covered at all by some insurance companies now. I have not personally seen any insurance company list hypothyroid on there current conditions list or denial of coverage list, but apparently this can be the case.
Avatar f tn If so, has it helped out with the costof doctor visit, lab cost, blood work and prescription? Do you have a high premium bill? deductible or co-pay? How much would you have to pay if you are a single mom or married?
446474 tn?1446351282 (PPACA) Its implementation will create major changes in how healthcare is delivered and how health insurance is purchased. Transitional High Risk Insurance Pool – Effective July 1, 2010, persons who are not able to purchase health insurance due to a pre-existing condition will have the opportunity to purchase “affordable” coverage through high risk insurance pools operated by the states and funded by the federal government.
798555 tn?1292791151 When I cut my hours back through our small business, I no longer qualified for health insurance and Cobra was so expensive I've gone without insurance. I've waited 6 months, but am finally eligible for the the PCIP plan through the pre exisiting health care reform. http://www.pciplan.com/applicants/rates.html https://www.pcip.gov/ The rates were alot higher but starting in Jan they will be lower and now there's 3 or 4 plans with different rates available for most states.
1284791 tn?1271997867 As far as I know, IVF is offered only thorugh group insurance coverage. We delayed seeking fertility treatment in order to get our insurance worked out first. My husband and I formed our own husband/wife group (he owns his own business, I went to work for him, he pays employee taxes on me). Our accountant helpd us with the paperwork. After we set all of this up we applied for group coverage. We did this in order to get maternity coverage, which is otherwise unavailble in Texas.
Avatar m tn US physicians increasingly support a single-payer national health insurance system, according to the results of a survey reported online January 29 in the Journal of General Internal Medicine. “Many politicians may mistakenly believe that single-payer national health insurance lacks support among key stakeholders such as doctors,” lead author Danny McCormick, from Harvard Medical School and Cambridge Health Alliance (CHA), said in a news release.