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      07-26-2012, 01:46 AM   #1
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Health insurance

What health insurance coverage do you have? What companies are better in coverage from your experience? How much do you pay monthly?

Im choosing my coverage and want a better idea for coverage of males in there 20's and 30's.
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      07-26-2012, 08:34 AM   #2
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I was in the market for Health Insurance last year but there is so many different options to choose from I got overwhelmed and just decided to get Life insurance.
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      07-26-2012, 08:57 AM   #3
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Blue Cross Blue Shield
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      07-26-2012, 09:20 AM   #4
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Quote:
Originally Posted by Sara504 View Post
Blue Cross Blue Shield
+1. I have their in network plan which is $2,300 a year ($1,700 after a healthy lifestyles credit) through my work. It's a really solid plan. I've yet to find a doctor that won't accept it. No yearly limit and only a $20 co-pay for an office visit is really the only expense with it. Hospital trips are 100% covered with zero deductible or ceiling on expenses. I'm in good health, so that comprehensive of a plan might be overkill, but I would rather pay a bit extra for the peace of mind. All the PPO plans that are offered at my work have a annual deductible (lowest is $300) which isn't that bad, but if you ever go to the hospital they only cover 90% of the bills. That might sound like a lot but if you have some type of serious accident that runs into the hundreds of thousands of dollars even 10% could put a big strain on your finances.
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      07-26-2012, 09:22 AM   #5
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Quote:
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+1. I have their in network plan which is $2,300 a year ($1,700 after a healthy lifestyles credit) through my work. It's a really solid plan. I've yet to find a doctor that won't accept it. No yearly limit and only a $20 co-pay for an office visit is really the only expense with it. Hospital trips are 100% covered with zero deductible or ceiling on expenses. I'm in good health, so that comprehensive of a plan might be overkill, but I would rather pay a bit extra for the peace of mind. All the PPO plans that are offered at my work have a annual deductible (lowest is $300) which isn't that bad, but if you ever go to the hospital they only cover 90% of the bills. That might sound like a lot but if you have some type of serious accident that runs into the hundreds of thousands of dollars even 10% could put a big strain on your finances.
+1. I saw on the news one of the shooting victims in CO that got shot in the head does not have health insurance and his bills are through the roof. There goes his life and it wasnt even his fault.

Better safe than sorry.
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      07-26-2012, 09:31 AM   #6
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      07-26-2012, 09:32 AM   #7
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Tricare Prime. $230 a year.
a year? or a month?
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      07-26-2012, 09:37 AM   #8
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a year? or a month?
A year. I'm retired Air Force, so the health coverage I get is very cheap.
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      07-26-2012, 09:43 AM   #9
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Quote:
Originally Posted by Sara504 View Post
+1. I saw on the news one of the shooting victims in CO that got shot in the head does not have health insurance and his bills are through the roof. There goes his life and it wasnt even his fault.

Better safe than sorry.
Most hospital have a charity fund where they set aside money to help individuals who do not have insurance or are in serious financial strain. I'm almost positive this individual will have free care.
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      07-26-2012, 09:46 AM   #10
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Most hospital have a charity fund where they set aside money to help individuals who do not have insurance or are in serious financial strain. I'm almost positive this individual will have free care.
I sure hope so. I donated to the fund for their relief. I feel so terrible for what happened.
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      07-26-2012, 11:19 AM   #11
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a year? or a month?
He is on the same plan our Congress is on.
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      07-26-2012, 11:21 AM   #12
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Quote:
Originally Posted by Trijicon View Post
Most hospital have a charity fund where they set aside money to help individuals who do not have insurance or are in serious financial strain. I'm almost positive this individual will have free care.
yes that fund is paid by those who can pay thus the reason everyone else insurance costs are higher.

In this case it is well justified this person should not have to bear these costs, but the Hospital will still try and get him to cover it if he can.
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      07-26-2012, 12:31 PM   #13
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Quote:
Originally Posted by Sara504 View Post
I sure hope so. I donated to the fund for their relief. I feel so terrible for what happened.
Saw a story this morning that stated that 3 area hospitals are covering the costs of the victims that cannot afford to pay. I'll try to find the link and edit this post.

Edit:
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Also, three of the hospitals in the area that treated victims announced Wednesday they will forgive some or all of the medical costs associated with the attack.
Quote is embedded in this article, which is well worth the read: http://usnews.nbcnews.com/_news/2012...tims-life?lite
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      07-26-2012, 12:38 PM   #14
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Quote:
Originally Posted by Sara504
Quote:
Originally Posted by Trijicon View Post
Most hospital have a charity fund where they set aside money to help individuals who do not have insurance or are in serious financial strain. I'm almost positive this individual will have free care.
I sure hope so. I donated to the fund for their relief. I feel so terrible for what happened.
That is such an outlier... that I can guarantee teir bills will be paid for 110%. For almost everone involved this is a PR and political nightmare.
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      07-26-2012, 01:19 PM   #15
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Not to derail the thread completely, but wouldn't the movie theater have some kind of liability policy that covers medical expenses?

As for OP, if you're rather healthy and don't participate in high risk activities/sports, check out FSA/high deductible plan combo, if available.
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      07-26-2012, 02:47 PM   #16
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      07-29-2012, 12:24 AM   #17
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Quote:
Originally Posted by Maestro View Post
He is on the same plan our Congress is on.
That's not true, TRICARE is for active duty military and military retirees. Congress uses Federal Employees Health Benefit Program (FEHBP). There are many different companies that you can choose from through this program (Humana, MetLife, Blue Cross, etc.). It's no where near as cheap as TRICARE.

I also use TRICARE.
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      07-31-2012, 05:35 AM   #18
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My employer has a unified plan through Aetna. Medical, dental, and vision, all in one. Probably the best plan I've had from an employer thus far.
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      07-31-2012, 09:28 AM   #19
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I would recommend choosing your healthcare insurer based on your city. Certain insurers are known for having wider or more expansive networks in certain cities.

I personally prefer PPOs. They allow you to see specialists without a referral and allow you to see physicians outside your network (albeit for a slightly higher fee). They are usually more expensive than HMOs, however.

How much you pay varies TREMENDOUSLY, even within the young age bracket of this forum. Employer contributions, past medical history, etc. will all factor into your premiums.
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      07-31-2012, 09:34 AM   #20
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Quote:
Originally Posted by Maestro View Post
yes that fund is paid by those who can pay thus the reason everyone else insurance costs are higher.

In this case it is well justified this person should not have to bear these costs, but the Hospital will still try and get him to cover it if he can.
I know this will sound horrible, but this is why people need to be responsible and get health insurance. You never know what is around the corner, and leaving that kind of financial burden on your family is a terrible thing.

Then again, we don't know the exact circumstances of this individual. Perhaps he was excluded from private insurers, fell into the gap between medicaid and the average premium for private insurance, or who knows what.

Hospitals don't really have "charity funds" per se. They just write off the losses for bills they know will not be paid back, which is partly why so many hospitals are verging on bankruptcy in the United States.
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      07-31-2012, 11:52 AM   #21
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*waits to see if someone posts they don't have health insurance but drives a BMW*
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      07-31-2012, 08:36 PM   #22
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*waits to see if someone posts they don't have health insurance but drives a BMW*
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