health insurance

miami32 · #1 11-23-2006, 08:48 PM

Mods, if this doesn't belong here, please move me to the right place.

Guys,

For the past year I've gone without insurance. Well recently the worst happened and I realized I def. can't go without insurance anymore. I've talked with a couple friends and my friend Kent suggested his insurance company which is like 100 a month but you have to pay 2k and they cover the rest if the worst happens. I def. don't want to deal with that. I'm looking for the standard 15 dollar copay and dental. I ordered some stuff from blue cross blue sheild but that is 800 bucks a month which is absurd. Do any pros have some good advice, asides from getting a job with benifits. lol. Thanks in advance.

RR · #2 11-23-2006, 09:35 PM

You seem to have researched the options. If you don't want a deductable it costs a lot.

DarthIgnurnt · #3 11-23-2006, 10:11 PM

I got an Aetna plan on ehealthinsurance.com ... I think it's like $350 for my wife and I (no kids). Plenty of options that start at extremely basic/cheap and go up from there.

RR · #4 11-23-2006, 10:19 PM

[ QUOTE ]
I got an Aetna plan on ehealthinsurance.com ... I think it's like $350 for my wife and I (no kids). Plenty of options that start at extremely basic/cheap and go up from there.

[/ QUOTE ]

I think it is also very dependant on where you live.

fishyak · #5 11-24-2006, 12:35 AM

Location is everything. Beverly Hills is very different from Eyeblink, ND. Also, you have to submit a health history. Can you qualify?

Individual dental coverage is a very bad value play. Low coverage, high expense. Better choice, high deductible plan coupled with MSA account that you fund pre-tax to pay your small med and dental bills.

Health care is 14% of our national GDP. As a result, health insurance cannot be and will not be cheap. Get local advice and get covered.

otter · #6 11-24-2006, 01:53 AM

I think I have State Farm and it's about $250/month w/ perhaps a $1500 deductable.

Arbitrage · #7 11-24-2006, 02:04 AM

You are not going to find inexpensive health insurance w/o a huge deductable.

[ QUOTE ]
Well recently the worst happened and I realized I def. can't go without insurance anymore

[/ QUOTE ]

Also if you have just discovered that you have some sort of condition, you may not be able to any insurance at all. If this is the case, I would suggest you find some kind of group health plan(which doesn't require a medical history/exam). I think the Poker Player's Alliance or some other poker organization might have some type of group plan.

Dagger78 · #8 11-24-2006, 04:14 AM

I also used eheathinsurance.

I got a decent rate of $160 a month or me, 28 single, smoker. $500 deductable, 80/20. no dental.

It's not the best but it'll do for now. They did recently cover some fairly large expenses(Head MRI and neuro consult).

scratchy1 · #9 11-24-2006, 04:31 AM

Are there really poker organizations with group plans?

miami32 · #10 11-24-2006, 04:35 AM

Well I currently live in md, soon to move to LV. I have no prior conditions but i sprained my leg. I'm gonna get a settlement and everything should be fine. I imagine showin a current leg sprain would be horrific. Any other suggestions?