I will be divorced in 2 months and will have to find my own health insurance. I have been with Anthem for 14 years and have no health problems and no medications except 1 blood pressure pill a day. I am waiting for a quote from Anthem for a single policy but I am afraid it will not be affordable. Thanks for all the help I can get!
Other - General Health Care - 3 Answers
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1 :
Aida - Sorry to hear about your impending divorce. Lots of decisions to make when that happens; health insurance is only one, I realize. Let me try to be brief: 1. Find a local broker (go to NAHU.org - see below. This is the professional association for folks like me who specialize in health insurance). 2. Check with friends (& your doctor, if you have a regular one) to find out which health plans they've had good experiences with. 3. Check on the Internet for quotes & comparisons (go to my website @ www.genesis-grp.com or do an online search for "health plans" and <your state>). I'd suggest that you consider a higher deductible plan (say $2500+) in order to hold down your cost. Remember: your premium is a fixed expense that has to be paid every month, whereas your health care expenses (doctor, drugs, tests, surgeries, etc.) are or may be only occasional. Try to determine "how much" health care you usually use, and then don't "overpay" by buying more coverage "just in case." The point of any insurance (fire, auto, health, life) is to protect you from a catastrophic expense (like a $100,000 hospital/surgical stay) and not necessarily from routine care like doctor visits, drugs, & lab tests (I mean, your car insurance doesn't pay for oil changes, tires, or brake jobs, does it? That's routine care that you pay for as needed). Anyway, hope that helps some - have a swell evening!
2 :
Good for you for being so healthy! That can never hurt. However, your age is what is probably going to make your premium be very high. While you do not have any medical problems now, and insurance company looks at your age which is approaching 60 and foresee every kind of aging ailment. It is a hard investment for them to make. This being said I think that there are a lot of people in your situation, and insurance companies realize this. The economy is hurting them to. You may be able to find a deal with more and more research. Good luck!
3 :
I would look at a website like http://healthinsuranceconnection.info/ They show the rates of all the health insurance companies and provide which price would be the cheapest for your situation.
4 :
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5 :
I have Anthem BC/BS and it is about $120 a month for me (single coverage, age 46). You will have to go through an underwriter first because of the BP but if it is controlled, hopefully it won't be a problem. You will find the cheapest polices have higher deductibles- mine is $5000. A high-deductible policy also makes you eligible to open a health savings account. Your best bet is to find employment with employer-sponsored health insurance, but you don't want to be without in the meantime. If you don't have job skills now maybe you could retrain in a health care field. Try this site http://best-health-insurances-usa-quote.blogspot.com/ Here you can get quotes from different health insurance companies in your area, its the best way to find an affordable health insurance with a reliable company.
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