Health insurance with your job

[Brainonska511]

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups? Personally, if I worked for a company and they offered me insurance, I'd take it. It would be MUCH cheaper than paying for my own, separate policy. As for your question, go policy hunting and ask them. Yearly checkups might be part of the deal since insurance companies would have to pay less money if a problem is found earlier (preventative medicine is cheaper than care after a problem erupts).

 

[MeddyDuo]

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

 

[Aikouka]

With my health insurance, I believe there's no required check up at all unless you "subscribe" too late. The life insurance has one if you opt for a certain amount of coverage or more. It all depends.

 

[Matthias99]

Originally posted by: MeddyDuo

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

It varies. Generally, with private insurance (ie, not through a group plan offered by a big company) you'll have to pay more if you don't at least get an initial checkup (or have a doctor that's seen you recently sign off that you're in good health). My company's coverage doesn't require annual checkups, and I can't recall if I had to get an initial one (but I'd seen my doctor pretty recently anyway).

Of course, private health insurance in general is brutally expensive. If your employer offers coverage but requires a checkup every now and then -- suck it up. You go in, answer a few questions, maybe they take blood/urine samples and do a few basic tests (heart rate, lung sounds, etc.) It's better than not knowing about some latent condition until it's too late.

This reminds me: I need to schedule an appointment for a checkup.

 

[MeddyDuo]

Originally posted by: Matthias99

Originally posted by: MeddyDuo

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

It varies. Generally, with private insurance (ie, not through a group plan offered by a big company) you'll have to pay more if you don't at least get an initial checkup (or have a doctor that's seen you recently sign off that you're in good health). My company's coverage doesn't require annual checkups, and I can't recall if I had to get an initial one (but I'd seen my doctor pretty recently anyway).

Of course, private health insurance in general is brutally expensive. If your employer offers coverage but requires a checkup every now and then -- suck it up. You go in, answer a few questions, maybe they take blood/urine samples and do a few basic tests (heart rate, lung sounds, etc.) It's better than not knowing about some latent condition until it's too late.

This reminds me: I need to schedule an appointment for a checkup.

How much is "brutally expensive"? And I think I got a checkup last year, so would that count as recently?

 

[Uppsala9496]

Take the health insurance your company offers. I used to underwrite health insurance, and the running joke in my department was people (always young) wouldn't elect the insurance and carried none.

There are two reasons you don't elect it. One (the only one that counts) is you have coverage elsewhere (individual - will always be more expensive than group, or through your spouse/parent).
The other is you just don't want it. That is actually a knock against the employer since they have to have a certain percentage of employee's taking the coverage (or having a valid excuse not to) to get certain rates/coverages.

You want the medical for the possibility of the unknown. What happens if you get in a car accident and land in the hospital? You don't have insurance, and all those inflated bills (insurance companies negotiate for lower rates, individuals can't) go to you. Sure the accident may not have been your fault, but you are still going to pay.

It's your life, do what you want, but not electing the insurance is the dumbest thing you can do.


EDIT: And no, you do not HAVE to have a checkup every year. That violates HIPAA. There are wellness programs that offer a free checkup every year, but there is no mandatory yearly checkup.

 

[Chryso]

If your company is giving you health insurance take it. You don't HAVE to go to the doctor but if you get hit by a car or break your leg you will at least be able to go to the hospital without owing for the rest of your life.

 

[bignateyk]

Originally posted by: MeddyDuo

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

This has to be a joke. Checkups are the easiest thing in the world, and can prevent much more involved work down the road. A yearly checkup usually only includes a 20 minute physical, a urine test, and some blood work, all very easy.

The only logical explanation I can come up with is that you do drugs and are afraid to get your urine tested.

 

[MeddyDuo]

Originally posted by: bignateyk

Originally posted by: MeddyDuo

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

This has to be a joke. Checkups are the easiest thing in the world, and can prevent much more involved work down the road. A yearly checkup usually only includes a 20 minute physical, a urine test, and some blood work, all very easy.

The only logical explanation I can come up with is that you do drugs and are afraid to get your urine tested.

I have never even had alcohol so definitely no drugs. I don't like getting needles in me and my balls grabbed.

 

[MeddyDuo]

Originally posted by: Chryso
If your company is giving you health insurance take it. You don't HAVE to go to the doctor but if you get hit by a car or break your leg you will at least be able to go to the hospital without owing for the rest of your life.

Well if the insurance requires a checkup, then I do have to go to the doctor.

Originally posted by: Uppsala9496

EDIT: And no, you do not HAVE to have a checkup every year. That violates HIPAA. There are wellness programs that offer a free checkup every year, but there is no mandatory yearly checkup.

So the insurance company can't require me to get an initial checkup or yearly checkup? That doesn't seem right, I would think that they could make their own rules as far as that goes.

 

[Uppsala9496]

Based on your replies, I suggest that you write down that you are invinsible on the enrollment form and check that you are not electing coverage.
You obviously don't need it.

 

[Uppsala9496]

If you miss the initial enrollment for health insurance (didn't turn your paperwork in on time), then they can require a physical to determine pre-existing conditions.

They CAN NOT require a mandatory yearly checkup. That violates a lot of laws. They can offer a free checkup, but can not require you to have one.

 

[MeddyDuo]

Originally posted by: Uppsala9496
If you miss the initial enrollment for health insurance (didn't turn your paperwork in on time), then they can require a physical to determine pre-existing conditions.

They CAN NOT require a mandatory yearly checkup. That violates a lot of laws. They can offer a free checkup, but can not require you to have one.

Can they require an initial checkup/physical (same thing?) if I turn in my paperwork on time?
I still don't see why they can't require it, because it is there company so they should be able to make the rules for who they cover.

 

[Strk]

Originally posted by: MeddyDuo

Originally posted by: Uppsala9496
If you miss the initial enrollment for health insurance (didn't turn your paperwork in on time), then they can require a physical to determine pre-existing conditions.

They CAN NOT require a mandatory yearly checkup. That violates a lot of laws. They can offer a free checkup, but can not require you to have one.

Can they require an initial checkup/physical (same thing?) if I turn in my paperwork on time?
I still don't see why they can't require it, because it is there company so they should be able to make the rules for who they cover.

No

The only thing that will typically require a physical -- short of being late on the paperwork -- is a life insurance policy that is particularly high. That is, they won't really care if it's not a huge figure (say $20k), but if you opt for a $200k+ option, they might require one.

 

[clamum]

Originally posted by: Uppsala9496
Based on your replies, I suggest that you write down that you are invinsible on the enrollment form and check that you are not electing coverage.
You obviously don't need it.

LOL

OP: Aren't you under your parents' coverage at 19? I'm 24 and still on it, though I just got a job with health and life insurance. If not, just man up and get it. As everyone else has said, the checkup isn't as bad as you think it is.

 

[MeddyDuo]

Originally posted by: clamum
OP: Aren't you under your parents' coverage at 19? I'm 24 and still on it, though I just got a job with health and life insurance. If not, just man up and get it. As everyone else has said, the checkup isn't as bad as you think it is.

I'm not on their coverage because I'm not a student anymore.

And why would they make you get a physical if you turn in the paperwork late?

 

[Chryso]

Originally posted by: MeddyDuo

Originally posted by: Chryso
If your company is giving you health insurance take it. You don't HAVE to go to the doctor but if you get hit by a car or break your leg you will at least be able to go to the hospital without owing for the rest of your life.

Well if the insurance requires a checkup, then I do have to go to the doctor.

I know this is going to sound totally crazy but why don't you ask the people at your new job if it will require a check up?

 

[Coolone]

I work at a hospital (food services) and the health insurance is awesome, very low co-pays if I ever need to pay a visit to the doc.

 

[Uppsala9496]

Originally posted by: MeddyDuo

Originally posted by: Uppsala9496
If you miss the initial enrollment for health insurance (didn't turn your paperwork in on time), then they can require a physical to determine pre-existing conditions.

They CAN NOT require a mandatory yearly checkup. That violates a lot of laws. They can offer a free checkup, but can not require you to have one.

Can they require an initial checkup/physical (same thing?) if I turn in my paperwork on time?
I still don't see why they can't require it, because it is there company so they should be able to make the rules for who they cover.

No, that violates HIPAA laws. As someone else mentioned, you are only going to be required a physical if you elect supplimental life. If you enroll of suplimental life (through the group plan) during the enrollment period, the physical is waived. If you enroll after the open period is closed, then you will be required to take a physical.

For the medical, they can not make you take a physical. That is illegal.

 

[MeddyDuo]

Originally posted by: Uppsala9496

Originally posted by: MeddyDuo

Originally posted by: Uppsala9496
If you miss the initial enrollment for health insurance (didn't turn your paperwork in on time), then they can require a physical to determine pre-existing conditions.

They CAN NOT require a mandatory yearly checkup. That violates a lot of laws. They can offer a free checkup, but can not require you to have one.

Can they require an initial checkup/physical (same thing?) if I turn in my paperwork on time?
I still don't see why they can't require it, because it is there company so they should be able to make the rules for who they cover.

No, that violates HIPAA laws. As someone else mentioned, you are only going to be required a physical if you elect supplimental life. If you enroll of suplimental life (through the group plan) during the enrollment period, the physical is waived. If you enroll after the open period is closed, then you will be required to take a physical.

For the medical, they can not make you take a physical. That is illegal.

So I don't even need to ask them then, because they can't require it?

 

[geckojohn]

Why would you want to turn down the health insurance.

 

[Fraggable]

Don't go without health insurance. Don't. You can trip and fall and break a leg and be living in poverty the rest of your life paying off bills. Healthcare costs aren't going down anytime soon and it's just plain stupid not to have it. Don't like going to the doctor? you're going to have to suck it up on this one if it's required, though it's probably not.

I got every kind of insurance my work offers, of course they pay for my health insurance so that's nothing, but I got long-term disability, dental, and vision. I haven't used any of it and hopefully never will, but I will never regret paying for the peace of mind.

 

[kotss]

Originally posted by: MeddyDuo

Originally posted by: bignateyk

Originally posted by: MeddyDuo

Originally posted by: Brainonska511

Originally posted by: MeddyDuo
If I decided to pay for my own insurance, is there any insurance that I wouldn't have to get an initial checkup or yearly checkups for?

Why are you so against yearly checkups?

I just don't like them, I don't know.

This has to be a joke. Checkups are the easiest thing in the world, and can prevent much more involved work down the road. A yearly checkup usually only includes a 20 minute physical, a urine test, and some blood work, all very easy.

The only logical explanation I can come up with is that you do drugs and are afraid to get your urine tested.

I have never even had alcohol so definitely no drugs. I don't like getting needles in me and my balls grabbed.

When you have to select a doctor for the insurance, pick a woman doctor, or a doctor with a female nurse practitioner. This way you can say that a woman grabber your package. The doctor I have, had a nice looking nurse practitioner, I always enjoyed having my groin inspected by her. (The LNP does most of the work for the doctor in routine situations, unless you specifically ask for the doctor.)
With regards to needles, you need to just be a man about it. Ooooohhh the scary needle.
Have you ever given blood. Shots are nothing compared to that. (And giving blood is easy.)

 

[habib89]

just take it.. i used to work for a public university so my health insurance would have cost me $10/month for myself.. then $15 copay... let's say you go to the dr's once a year... that's ($10 x 12)+$15=$135... much better than paying probably close to $300 for one dr's visit... i actually do'nt know how much a dr's visit is cause i've never gone to one without insurance.. but i think the numbers are right

 

[ViviTheMage]

Originally posted by: MeddyDuo

Originally posted by: huberm

even if they save your life??

Ok I'll rephrase: I hate going to the doctor.
I can't even remember the last time I was sick, and I eat only healthy stuff, so I don't really need to go there.
And since I'm young I don't see why I would need health insurance either.

How NAIVE!!

I recently turned 20 and got health insurance with my company...what happens if something happens to you ?!?!