I've just turned eighteen and I have no health insurance, but I don't have a ton of money to pay for it. I've been having heart problems recently and I'm very afraid that my parents will get stuck with the bill if anything happens, and I don't want to put them in that kind of a situation. I still live at home and the rest of my family is covered, but their insurance declined me because I have a long history of an eating disorder. What is an insurance company that will cover me for maybe something like a student rate?
Other - General Health Care - 23 Answers
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1 :
You need to get a job somewhere that offers group health coverage. Previous condition rules are substantially less strict there.
2 :
It’s hard to feel sorry for insurance companies, but remember that the sickest 1 percent of people make up more than 40 percent of all insurance costs. So, your options are limited in some ways. First, I would write your parent’s insurance company and request that they send you a declination letter (why they declined you). This might be useful later. Your cardiologist might be able to talk with the insurance company, too. In any case, you need to ask your doctor what kinds of tests, medications, and procedures you need insurance for. If you can’t get on your parent’s health plan, you might want to find a job that offers group health insurance. Like a previous answerer said, group health plans are much more lenient about pre-existing conditions. You also might want to enroll in college if you can. A student health plan will accept you. Plus, going to college is probably a good idea anyway – and it’s a lot of fun! You can also check out the Heart Support of America (link below). It’s an organization that helps people with heart problems. If you still need guidance, try MostChoice.com. It’s a Web site that offers free quotes and policy information on health plans in your state. Plus, it’s a quick and easy way to get state-licensed insurance agents working for you. Once you sign up, agents will contact you within 48 hours. Tell them about your past medical history, your current medical condition, and what you can afford. Then wait until one of them comes up with the plan that’s right for you. There’s no cost, and you’re not obligated to buy anything from anyone. Also, ask them if “Tonik†from Blue Cross Blue Shield or “Sound†from UniCare is available where you live. These are new plans aimed at people your age. They have low monthly premiums, high deductibles, several doctor visits a year, and dental & vision as well. You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm Hope this helps, Barnes @ MostChoice
3 :
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4 :
be very cautious about applying for insurance as a student. i used to be an insurance verifier and we found the student insurances were minimal to say the least. it's pathetic that insurance companies can pick and choose who they cover. you also want to stay away from the medical discount programs, or if you find one, check with your doctor's office and hospital to see if they honor it. (the discount programs will tell you they do, but when you talk to somebody at your provider's they have never heard of them. sometimes you can talk to the doctor about giving you a discount, and some hospitals have a program to help those without insurance. best of luck to you
5 :
It is not always true, but generally, the higher the deductible, the more likely you are to get approved. http://www.ehealthinsurance.com is one website where you can compare and sort the different plans available by deductible. If you choose one with a $5000 deductible, you might improve your chances.
6 :
Your parents will not get stuck with the bill because you are legally an adult and responsible for your own debts. It doesn't matter whether you live with them or not. Try talking with your physician and the hospital where the tests would be done. Most non-profit hospitals have financial assistance programs for the uninsured based on your ability to pay. You may even qualify for "free care" or a substantial discount. Get the treatment you need.
7 :
METLIFE might be an answer. Please contact Vishal Kapuria at 201-936-6832. He is a Metlife insurance agent and gave our company an excellent medical insurance deal.
8 :
if you are 18 the amount you have to pay wil be less them some one over 30 bank of america has a nice offer you can check it out at bankofamerica.com people suggest that its a waste of money getting any insurance at early age because nothing happens you dont get your money back but insurance is a incase thing plus there are insurances out there thatll add up as you keep paying and option of taking money out if you reach certain age but best mite be put some money out to the side that way you can keep it incase something happens or another emergency plus of building habbit of managing your money
9 :
Come on little lady your health should be more important than the bill, and i"m sure your parents would agree. God will always provide, and may He lead you in the right direction. Your heart is nothing to play with.
10 :
go 2 the health department and u can get medical insurance my mom has it but im not completely sure how she did it?
11 :
Their is something called "Medicaid" government sponsored usually "Free" available to all citizens of the U.S.of A.
12 :
Where you on Their(your parents) health insurance? If you can prove that you were diagnosed for that condition and treated for it While you were on their insurance, you will be accepted by another health care provider even with the condition. In Many states, That is the law! Don't let grass grow under your feet because there is a time limit! Go to work at McDonalds or even find a way to pay for private insurance yourself until you get a job with insurance benefits. With your health, you MUST maintain health insurance All the time. If you let too much time go by, Every insurance company will tag you with the dreaded "Pre-existing condition" label and you will never get coverage for your heart problems. Good Luck!
13 :
if you are able to see if they have a clinic that you could go to that they will let you make payments some times there free
14 :
I work at Wal-Mart and the insurance I have though them pretty much doesn't care about pre-existing conditions. Thing is you have to be a full time employee to get health insurance plus you'll have to pull teeth to get them to cover gynecological related exams. I know Starbucks lets part time workers have health insurance.
15 :
That soul gets saved if that souls got money is a pretty dire system offered by our American cousins ....It costs an arm and a leg to get a finger fixed....
16 :
Your question is incomplete. If u are a student, taking a full credit hours in school, mandatory, your parents insurance will cover you. There is also a student enrollments insurance in offered by most colleges, they will definitely offer you a coverage. If none of these processes work for you, you will need to contact the social service dept, in your locality, they can assist you with a government subsidized coverage. Good luck.
17 :
Well the insurance companys should be able to help or you should consider on going on social security im on it. you will be able to get a medical card. You should be able to get insurance without being declined thats not right.
18 :
The problem is any pre-existing conditions may not be covered. check out blue cross blue shield on line and you can get quotes for your state.
19 :
There are local clinics and county hospitals that will give you the help you need.Depending on the clinics or hospitals in your area, you can get assistance and get the help you need.If you have a local county hospital, call and ask them.I do hope you get the help you need and good luck.
20 :
Take the advice from Barnes who works at MostChoice.com. And go to the website he gave you and find out what they can do for you.
21 :
even if you get insurance their is a clause in the insurance for preexting condtions and the wait is for two years. the heart problem would be consured as a preexiting and the eating disorder. if you go for two years with out problems then they will cover it. and i do wish you the best of luck in this you have to check with the insurance companys and some of them are not cheap.
22 :
You can go for state help... You will quilify if you don't make alot . It's called AHCCCS. Call your state wellfare office and they will direct you.....Good luck sweetie.......
23 :
~Move out and go on welfare. I can think of nothing I want to do more than to add your medical bills to my already taxed budget. Or, get the treatment then discharge the bills in bankruptcy so my insurance rates will go up yet again. Yes, your parents could be held accountable. Why not. They raised you. Better they pay than the rest of us. Go on a diet, start taking care of your health, get a job and pay your own way. Society does NOT owe you a living.
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