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Health Insurance for the young?

L

legocitytruck

Senior member
I am currently between my undergraduate and Masters degree and I have fallen out of my parent's insurance coverage range. Are any of you young and paying for your insurance? What kind of insurance and coverage do you have? How much does it cost a month? Would you make any suggestions to someone how has too now buy insurance?
 
Does the school provide any coverage. When I was out of school working as a contractor (no coverage from employer= myself) I looked into my own insurance but I elected to get emergency coverage to keep the premiums down. Basically, something to cover the major bills if I had to get surgery somewhere. Otherwise, regular doctors visits were going to be on my dime.

Since those days the price of insurance has really jumped so I'm not sure, if given the same scenario, I'd be able to find a reasonable plan. Good luck.





 
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
 
Yeah, see if the school has a plan.

Otherwise just comparison shop the area providers (ehealthinsurance.com can get your started) and pick the best plans that suits you and your budget. When I worked for a company that didn't offer health insurance, my privately purchased plan cost me ~$120 per month. IIRC, it was a PPO with $5k deductible, and 80/20 co-insurance to $8k maximum-out-of-pocket. The co-pays for docs and pharmacy were more reasonable though. Prepare to be raped if you have any documented chronic health issues what-so-ever.
 
I got Mass Health for about 3 months. Talk about horrible insurance. Only reaosn I got it was b/c i needed insurance because it was mandatory in MA.
 
Originally posted by: wiredspider
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
Click to expand...

If he could easily predict the future, money and education wouldn't be much of a concern.
 
Talk to an insurance broker or reseller. They can give you a plan that fits what you need and are willing to pay. Should be able to get something for around or under 100 bucks.
 
Originally posted by: wiredspider
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
Click to expand...

That only works if you are sure you'll never be sick or hurt. A guy on the forum just got diagnosed with cancer, you can't exactly plan for that.
 
Originally posted by: Gibson486
I got Mass Health for about 3 months. Talk about horrible insurance. Only reaosn I got it was b/c i needed insurance because it was mandatory in MA.
Click to expand...

I have mass health for the same reason. I guess it's nice in case something serious happens to me, but I don't actually rely on it for any services.
 
Do you need it? The answer to that is simple: You never know if shit is going to happen.

My cousin thought he didn't need health insurance. He wound up with a tooth infection that spread to his throat, causing it to close up. He had to go to the ER and get an emergency tracheotomy to keep from suffocating. I can't possibly imagine what the bill looks like for that, but something tells me that he's still paying it off.
 
Absolu-freaking-lutely get health insurance.

In grad school, I ended up having some health problems (which turned out to be nothing, thank God!) but still racked up over $12,000 in medical bills. (A CAT scan gets expensive REAL quick). I had insurance from grad school, which meant that my out of pocket was about $2,000 -- much more doable! Right now, I'm using Blue Cross Blue Shield -- in Georgia, for under-30's, you can get health insurance with a $2000 out-of-pocket-max for about $100 a month (here, it's called TONIK, Blue Cross/Blue Shield may have something similar in your case). Once you get in school, it's likely that you can get coverage under a school program -- for about the same cost.

Good luck....


Originally posted by: legocitytruck
I am currently between my undergraduate and Masters degree and I have fallen out of my parent's insurance coverage range. Are any of you young and paying for your insurance? What kind of insurance and coverage do you have? How much does it cost a month? Would you make any suggestions to someone how has too now buy insurance?
Click to expand...

 
Originally posted by: Bignate603
Originally posted by: wiredspider
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
Click to expand...

That only works if you are sure you'll never be sick or hurt. A guy on the forum just got diagnosed with cancer, you can't exactly plan for that.
Click to expand...

For me the expense out weighted the risk, didn't have insurance for 18 years before college so it didn't really make sense to get it. As for getting the sniffles, usually if you are a full time student, you pay some fee to cover the student health center.

As a young person I would be worried about getting hurt, not sure what the OP's lifestyle is, so that's why I asked if they anticipate needing it. Ie if they are just doing normal things, into group sports, or outdoor activities where injury risk maybe higher.
 
Originally posted by: legocitytruck
I am currently between my undergraduate and Masters degree and I have fallen out of my parent's insurance coverage range. Are any of you young and paying for your insurance? What kind of insurance and coverage do you have? How much does it cost a month? Would you make any suggestions to someone how has too now buy insurance?
Click to expand...

ehealthinsurance.com

change your avatar.
default avatars dont get alot of help
 
Some of these prices seem to good to be true:

Plan Type Deductible Coinsurance Office Visit
PPO $5,200 0% 0% after deductible

for only $70 per month

Are the other factors that I should be looking at as well?
 
Originally posted by: legocitytruck
Some of these prices seem to good to be true:

Plan Type Deductible Coinsurance Office Visit
PPO $5,200 0% 0% after deductible

for only $70 per month

Are the other factors that I should be looking at as well?
Click to expand...

What did the insurance broker say when you called them and scheduled an appointment? That looks like a good emergency plan, you pay for what you need but should something bad happen you're covered. Look at out of pocket maximum and lifetime maximums and what is covered. Look at prescription coverage as well.

This is your health insurance and not something you should just shop around on the intarweb. You wouldn't do the same with car or home insurance would you?
 
Originally posted by: wiredspider
Originally posted by: Bignate603
Originally posted by: wiredspider
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
Click to expand...

That only works if you are sure you'll never be sick or hurt. A guy on the forum just got diagnosed with cancer, you can't exactly plan for that.
Click to expand...

For me the expense out weighted the risk, didn't have insurance for 18 years before college so it didn't really make sense to get it. As for getting the sniffles, usually if you are a full time student, you pay some fee to cover the student health center.

As a young person I would be worried about getting hurt, not sure what the OP's lifestyle is, so that's why I asked if they anticipate needing it. Ie if they are just doing normal things, into group sports, or outdoor activities where injury risk maybe higher.
Click to expand...

You obviously missed Nick's thread from last week.
 
Originally posted by: wiredspider
Originally posted by: Bignate603
Originally posted by: wiredspider
Do you think you'll need it? My school had some plan for students, but I have insurance through my job. I probably wouldn't get it, if I had to pay.
Click to expand...

That only works if you are sure you'll never be sick or hurt. A guy on the forum just got diagnosed with cancer, you can't exactly plan for that.
Click to expand...

For me the expense out weighted the risk, didn't have insurance for 18 years before college so it didn't really make sense to get it. As for getting the sniffles, usually if you are a full time student, you pay some fee to cover the student health center.

As a young person I would be worried about getting hurt, not sure what the OP's lifestyle is, so that's why I asked if they anticipate needing it. Ie if they are just doing normal things, into group sports, or outdoor activities where injury risk maybe higher.
Click to expand...

Living is risky. You can slip and fall down the stairs, catch a random illness, or a million other things.
 
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