I want to purchase health insurance on my own. What is a good place to start?
Mental Health - 8 Answers
Random Answers, Critics, Comments, Opinions :
1 :
just marry a guy that has insurance, and he can add you to his coverage...... ;)
2 :
wat up! im 21 and i just got a new plan. in in new zealand tho and f*ck its expensive for young guys. i dunno about mental coverage?! but i got like specialist, GP, dental and eyes, and hospital coverage and its like 140$NZ a week. but all good, my parents pay. just ring up insurance brokers and firms and ask for quotes, pick the cheapest.
3 :
Check out the www.bcbs.com they have personal plans that are very affordable
4 :
you and me both. haha. i have tried to research it but it is all so damn confusing. with all that copay, dental or not, and on and on. my mom just got a really good job and she is getting insurance for me and my younger brother (i'm in college, by the way, and was wanting to get insurance for myself). she is having to pay over $600 a month for just 3 people. but thats with a good job. if you don't have a good job with a health plan, you will wind up paying well over 200 for just ER and some dental. good luck!!!
5 :
Get a full time job with benefits.
6 :
HeAlth Insurance is easy to find when you know where to look. (THE INSTERNET!) I'll give you some hints. Find Health Plans that provide Coverage without a Health Group involved. Some Insurances that only work with Employer Group Coverage but not indicidual policies are Neiborhood,Humana,United Healthcare,Avmed,Aetna,Cigna Some insurances do offer the choice of independent policy: Blue Cross & Blue Shield (www.bcbsfl.com) and Preferred Medical Plan among others. BE VEEERY CAREFUL with what it's called "discount cards". More often than not the sellers of this Plans make believe is an Insurance when it's all a fraud (some example: Florida Health Solutions. There are close to 25 types of companies that sell "insurance" claiming to have contract with a lot of hospital,dentists and other network benefits.It's all a fraud. Some even have the PPO initials on them, but are not an actual PPO.To make sure you are purchasing the right thing, be very specific with your questions, like: Do I have to pay upfront to the provider at the time services are rendered? Do providers bill the insurance directly or they bill me ? (the trick is that they will "reimburse" you a certain % after YOU PAY the provider 100% of the expenses billed to you) The fact is that many of this providers (specially the most expensive ones,like Hospitals) offer discounts to the uninsured of even 50%-70% , which compared to the discounts offered by these plans plus the monthly fee they charge is much more affordable. Don't fall for any discount card, they are ALL a waste of money and even though legal through misterious ways, they are very much UNETHICAL. (Funny fact: Most of the time the employees of this companies don't know what they are selling is junk, and give you a colorful description to buy your confidence) ALWAYS ask for the WEBSITE of the insurance in question, and don't compromise to sign any contract until you've gone through every detail on the web. Don't accept any "cheapy" flyers or booklets. Before selecting the insurance (the real one) check for (VERY IMPORTANT) Copayments , Deductibles & Co-insurance If you have a specific pre-existing condition look for the specific benefits related to it;many policies exclude pre existing or limit the amount of benefits, which realy makes the insurance worthless (or almost). Maybe the monthly premium is cheap, but the coverage is also scarce, and you end up paying almost 100% of the bill between copays, deductibles and co-insurance (if you don't know what these terms are, ask the representative upon contact, this makes a big difference and may defeat the purpose of buying insurance.) Good luck and any other questions you can email me at avielnelia&yahoo.es. I work in a Heathcare facility.....
7 :
go to www.ehealthinsurance.com This web site will provide you numerous plan designs from a variety of insurance companies. The things you want to look for are co pay amounts (the amount you pay for a basic visit to your family doctor.) You will also want to check out your deductibles. This is the amount of money you will have to pay out of pocket before insurance coverage takes over. Does the plan cover both generic and name brand drugs? If you are healthy, you may wish to opt for a high deductible. the premiums will be much lower. Take a portion of your premium savings and save it for a rainy day.
8 :
The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example: ·Monthly price (premium) ·Yearly deductible (amount you spend before the insurance company will start paying) ·Copay amount (amount you pay per service) ·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent) ·Freedom of choice (can you visit whatever doctor you want?) ·Preventive medicine and routine doctor visits (does the plan include these?) ·Mental health (included in the plan; copay amounts; maximum number of annual visits). HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan. One helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs. The best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you’re looking for and how much you want to pay, and then wait until one of them brings back a policy that’s right for you. You won’t spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You’ll get free quotes and policy information on health plans near you, and within two days agents should contact you. There’s no cost and you’re not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you’re looking for. You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm Good luck. I hope this helps, Barnes @ MostChoice.
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