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Health Insurance

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Originally posted by: jumpr
Originally posted by: PunDogg
I am turning 23 soon so I will have to get health insurance for my self. Now I will still being going to school,so i don't have tons of money, but my question is this, how much does health insurance cost a month? I was thinking somwhere like 300-400 a month. I assume it depends on the type of converage you have, but basic to medium coverage is all I need.

I don't have full-time job(i am looking though) to pay for benifits.

Thanks

Dogg
My sister pays 237.55/mo. for comprehensive health insurance. Doesn't cover prescriptions, but it does cover pretty much everything else.

anyidea what company she goes through??

Dogg
 
I have a sh!tty plan with BCBS of Georgia. I pay $80/month for a no-frills plan with a $1000 deductible. I really only have it for emergencies.
 
Originally posted by: Marlin1975
OMG not this BS again. .
That's exactly what I thought when I read you post. Oh well, hopefully you will never get beat up by a drunk or fall down the stairs or live under some power lines...
 
Do you have a student health center? That is usually enough to cover the problems a 23 year old is likely to incur.
 
Originally posted by: GTaudiophile
I have a sh!tty plan with BCBS of Georgia. I pay $80/month for a no-frills plan with a $1000 deductible. I really only have it for emergencies.

I know i should know this by now, but what does it mean by deductible??

Dogg
 
Originally posted by: allisolm
Do you have a student health center? That is usually enough to cover the problems a 23 year old is likely to incur.

Thanks for the tip, I will have to check it out

I had called the Univ. to see if they offer something they do, but its through univheallthplans, and I have to do some more research on how it works

Dogg
 
Originally posted by: PunDogg
Originally posted by: GTaudiophile
I have a sh!tty plan with BCBS of Georgia. I pay $80/month for a no-frills plan with a $1000 deductible. I really only have it for emergencies.

I know i should know this by now, but what does it mean by deductible??

Dogg
you pay the first $1000, they cover the rest just like in auto insurance. The deductible is for the year, not each incidence though...
 
Originally posted by: Mwilding
Originally posted by: PunDogg
Originally posted by: GTaudiophile
I have a sh!tty plan with BCBS of Georgia. I pay $80/month for a no-frills plan with a $1000 deductible. I really only have it for emergencies.

I know i should know this by now, but what does it mean by deductible??

Dogg
you pay the first $1000, they cover the rest just like in auto insurance. The deductible is for the year, not each incidence though...

ahh i see, thanx, that answers alot of questions

Dogg
 
Originally posted by: Marlin1975
Originally posted by: mugs
There's no point to arguing with Marlin1975 about the insurance, his mind is made up that he doesn't need it. All you can do is wait for him to post about how he needs to go to the ER but he has no insurance. 🙂


Only been to the ER once and that was for a accident NOT MY FAULT.


So keep drinking , smoking, eating fast food, etc... and paying for YOUR lifestyle, lazy, etc.. self.

AGAIN, insurance ONLY works if a GREAT number of people pay, but don;t use it. Never used it, and never will pay for it.

Well don't go crying when something out of your control happens. If I didn't have health insurance when my unexpected condition came about I would be screwed, my life ruined, I hope that never happens to you, but don't come crying if it ever does.
 
Heh...I just thought it was funny how that guy thinks if he doesn't drink a beer or smoke a cigarette he's suddenly going to be immune to cancer, all diseases and accidents.

Car insurance will not cover a large percentage of medical bills if you are seriously injured. Mine has $2000 worth of coverage, which was lowered from the $3000 standard. Thats not going to cover a broken leg, much less any serious life threatening injuries.
 
First off Marlin is a boob and speaks of a BEYOND ignorant tounge. Yeah Im trolling for you... go ahead.

Location also plays into the costs of the bills. I pay ~$400/month for my family of 4 and I live in what I think was just crowned THE MOST EXPENSIVE area for insurance.

Thats actually quite a deal as thats through my employer, and they just bumped up everyones $$ by ~24%. Luckily my $200/check was part of my original emplyment agreement.

Insurance does suck to pay. Theres no questioning that, but it certainly comes in handy when you need it.

Marlin, dont worry, the rest of us will cover the bills you are unable to pay when you have an accident or get ill and dont have any insurance to cover it. Your attitude and reasoning are hilarious.
 
Mines really good, but really expensive around $450 or so. It's saved me alot of money especially since its already paid for.
 
Originally posted by: PC_Freak
Company pay's little over $300 for mine.

I am getting a wide range of numbers, from 150 to 400 a month, i know the type of care you recieve can have an affect on how much u pay, but does it have 250 differance??

Dogg
 
Originally posted by: PunDogg
Originally posted by: PC_Freak
Company pay's little over $300 for mine.

I am getting a wide range of numbers, from 150 to 400 a month, i know the type of care you recieve can have an affect on how much u pay, but does it have 250 differance??

Dogg

A PPO plan can definitely cost you a lot more than an HMO plan or major medical.
 
Originally posted by: Jzero
Originally posted by: PunDogg
Originally posted by: PC_Freak
Company pay's little over $300 for mine.

I am getting a wide range of numbers, from 150 to 400 a month, i know the type of care you recieve can have an affect on how much u pay, but does it have 250 differance??

Dogg

A PPO plan can definitely cost you a lot more than an HMO plan or major medical.

How so??

I am such a noob to this

Dogg
 
Originally posted by: PunDogg
Originally posted by: Jzero
Originally posted by: PunDogg
Originally posted by: PC_Freak
Company pay's little over $300 for mine.

I am getting a wide range of numbers, from 150 to 400 a month, i know the type of care you recieve can have an affect on how much u pay, but does it have 250 differance??

Dogg

A PPO plan can definitely cost you a lot more than an HMO plan or major medical.

How so??

I am such a noob to this

Dogg

A PPO plan allows you to go to any doctor, whether he "subscribes" to the network or not. You don't have to declare a primary care provider, etc. You get a lot more flexibility, but that comes at a price. You also sometimes have to pay out-of-pocket up front and seek reimbursement after the fact.

HMOs, on the other hand you have to go to doctors in the network, you have to have a primary care provider and visit that doctor to get referrals to specialists...a lot less flexibility.
 
i had a very good short term plan through blue cross when i was between insurance for about 80 bucks a month, with a 1000 dollar deductible. it wasn't bad, and it was for emergencies. my work insurance costs about 30 bucks a month. luckily i have a HMO that allows me to use the PPO network, i just have to pay more everytime i go see a PPO doctor. i do have a primary care physician, but i don't HAVE to go see him for referrals. it does come at a price - my HMO doctor visits are 10 bucks, while the PPO ones are 30, but prescriptions are only 10 bucks if i ever get sick (and i haven't been for over a year, and i still want insurance because YOU NEVER KNOW.)

also i waived all health coverage on my car insurance since i have health insurance anyways. no need to pay double.

but yes since you're in school, make sure you haven't already paid for some kind of health care. while i was in school, i was still on my parents plan but i still had full access to most of the basic health needs, and could see some specialists if i needed anything. anything more serious than that i'd have to go through my parents insurance, but if it escalated to that point i'd be more worried about my health than naything. (but it also helped i went to a big research school with it's own hospital.)
 
Originally posted by: Jzero
Originally posted by: PunDogg
Originally posted by: Jzero
Originally posted by: PunDogg
Originally posted by: PC_Freak
Company pay's little over $300 for mine.

I am getting a wide range of numbers, from 150 to 400 a month, i know the type of care you recieve can have an affect on how much u pay, but does it have 250 differance??

Dogg

A PPO plan can definitely cost you a lot more than an HMO plan or major medical.

How so??

I am such a noob to this

Dogg

A PPO plan allows you to go to any doctor, whether he "subscribes" to the network or not. You don't have to declare a primary care provider, etc. You get a lot more flexibility, but that comes at a price. You also sometimes have to pay out-of-pocket up front and seek reimbursement after the fact.

HMOs, on the other hand you have to go to doctors in the network, you have to have a primary care provider and visit that doctor to get referrals to specialists...a lot less flexibility.

ohh ok now i get it, thanks

Dogg
 
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