Link me Affordable healthcare.

[Slew Foot]

What kind of shitty ass school do you go to that doesnt provide health insurance?

 

[Slew Foot]

Originally posted by: eskimospy

Originally posted by: ProfJohn
BTW you say that you are in medical school now.

I assume, based on what I read in this thread, that you plan to graduate and take a low paying job in the healthcare field in order to help keep healthcare costs low for other who can't afford insurance, right?

I have a friend who went to Emory for 6+ years and after graduation took a job making $100k. How inconsiderate of her!!!

If only she and all her other high paid friends would agree to a 50% pay cut think of how much cheaper our healthcare would then be??

Not that much cheaper, doctor salaries are a relatively small percentage of overall health care costs.

Do you have any idea what you're talking about?

You guys are finally learning. You could cut every doctors salary in half and youd save 3% off the total cost of health care. The main costs come from the pharmaceutical and equipment companies. Sadly, Obama already caved into them.

 

[SirStev0]

Originally posted by: spittledip

Originally posted by: ProfJohn
Here....
http://www.anthem.com/

Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73

The plans most people would pick ranges from $89 - $126 a month.

Is that affordable enough?

Wow, not bad. I checked out Hartford CT and got a quote of 211 per month with decent deductibles. There is the 1500$ hospital deductible but that is not too bad. Are these new options? If these are not new, what is the problem with finding affordable insurance/Health care?

Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.

 

[alchemize]

Originally posted by: Slew Foot
You guys are finally learning. You could cut every doctors salary in half and youd save 3% off the total cost of health care. The main costs come from the pharmaceutical and equipment companies. Sadly, Obama already caved into them.

Wrong.

Of each dollar spent on health care in the United States 31% goes to hospital care, 21% goes to physician services, 10% to pharmaceuticals, 8% to nursing homes, 7% to administrative costs, and 23% to all other categories. (wikipedia)

Reported to snitch@whitehouse.gov

 

[ProfJohn]

Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.

You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

 

[OrByte]

Originally posted by: spittledip

Originally posted by: ProfJohn
Here....
http://www.anthem.com/

Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73

The plans most people would pick ranges from $89 - $126 a month.

Is that affordable enough?

Wow, not bad. I checked out Hartford CT and got a quote of 211 per month with decent deductibles. There is the 1500$ hospital deductible but that is not too bad. Are these new options? If these are not new, what is the problem with finding affordable insurance/Health care?

the problem is not everyone is a healthy 22 yo...

 

[blackangst1]

There's been 2 quotes already, but I found some decent coverage at ehealthinsurance.com.

Starting with low deductable, office copay type plan, RX included

$104/mo - PPO, $0 deductable, $30 copay for office visit.

Plan TypePPO Office Visit for Primary Doctor$30 Copay Office Visit for Specialist$40 Copay Coinsurance30% Annual DeductibleNone Separate Prescription Drugs Deductible$500 Individual
applies to
Brand, Non-Formulary Prescription Drugs Generic: $15 Copay, deductible waived Brand: $40 Copay after deductible Non-Formulary: $60 Copay after deductible Annual Out-of-Pocket LimitIndividual:$7,500 Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as out-of-network benefits Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$30 Copay Periodic OB-GYN ExamNo Charge Well Baby Care$30 Copay, Age and frequency schedule apply Prescription Drug Coverage
Generic Prescription Drugs $15 Copay, deductible waived Brand Prescription Drugs $40 Copay after deductible Non-Formulary Prescription Drugs Coverage $60 Copay after deductible Mail Order for Prescription Drugs Generic: $30 Copay, deductible waived Brand: $80 Copay after deductible Non-Formulary: $120 Copay after deductible Days Supply: 60 Separate Prescription Drugs Deductible$500 Individual
applies to Brand, Non-Formulary Hospital Services Coverage
Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30% Maternity Coverage
Pre & Postnatal Office VisitNot covered (except for preg. complications) Labor & Delivery Hospital StayNot covered (except for preg. complications) Additional Coverage
Chiropractic Coverage30%. Aetna will pay $25 Max. per visit/ 24 visits per year Mental Health CoverageOutpatient Non-Serious, Non Biologically Based (in network)
Not Covered Additional Information
A.M. Best RatingA as of 06/17/2009

At the low end, $30/mo - PPO, $10,000 deductable, office visits $25 ($80 annual dollar limit) then 40% coinsurance after deductible.

Plan TypePPO Office Visit for Primary Doctor$25 copay ($80 annual copay dollar limit) then 40% coinsurance after deductible Office Visit for Specialist40% Coinsurance after deductible Coinsurance40% coinsurance after deductible unless otherwise indicated Annual DeductibleIndividual:$10,000 Separate Prescription Drugs DeductibleNone Prescription Drugs Generic: $15 Copay Brand: $125 Copay Non-Formulary: BCBSAZ does not use a Formulary Annual Out-of-Pocket LimitIndividual:$4,000
Does not include deductible Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$25 copay or 40% coinsurance, ded. waived Periodic OB-GYN Exam40% coinsurance, ded. waived Well Baby Care$25 copay or 40% coinsurance, ded. waived Prescription Drug Coverage
Generic Prescription Drugs $15 Copay Brand Prescription Drugs $125 Copay Non-Formulary Prescription Drugs Coverage BCBSAZ does not use a Formulary Mail Order for Prescription Drugs Generic: $15 Copay Brand: $250 Copay Non-Formulary: BCBSAZ does not use a Formulary Days Supply: Generally 90 Separate Prescription Drugs DeductibleNone Hospital Services Coverage
Emergency Room$150 access fee, plus 40% coinsurance after deductible (access fee waived if admitted) Outpatient Lab/X-RayFreestanding, independent clinical laboratory: no charge Freestanding radiology facility: 40% coinsurance after deductible Outpatient Surgery40% Coinsurance after deductible Hospitalization40% Coinsurance after deductible Maternity Coverage
Pre & Postnatal Office VisitNot covered except for complications of pregnancy; 40% coinsurance after deductible Labor & Delivery Hospital StayNot covered except for complications of pregnancy; 40% coinsurance after deductible Additional Coverage
Chiropractic Coverage40% Coinsurance after deductible Mental Health CoverageBehavioral Services Administrator: $15 copay per visit. Other providers: 50% coinsurance after deductible, 20 visits per year. $25,000 per member maximum benefit Additional Information
A.M. Best RatingN/A as of 07/01/2007 Application Fee Blue Cross Blue Shield of Arizona requires a $20 One Time Application Fee Electronic Signature for Application Available Yes Will insurance company obtain and pay for medical records?No

Its a little disorganized how I copied it, but it has most info you need. The high end plan was $259/mo. I would say the first one would be great for a 23 year old, and very affordable.

 

[spittledip]

Originally posted by: OrByte

Originally posted by: spittledip

Originally posted by: ProfJohn
Here....
http://www.anthem.com/

Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73

The plans most people would pick ranges from $89 - $126 a month.

Is that affordable enough?

Wow, not bad. I checked out Hartford CT and got a quote of 211 per month with decent deductibles. There is the 1500$ hospital deductible but that is not too bad. Are these new options? If these are not new, what is the problem with finding affordable insurance/Health care?

the problem is not everyone is a healthy 22 yo...

true. someone do a quote for a smoking 42 YO. They don't give options for health other than smoking in the quote thing. I am too lazy to go back and do it myself, so..

 

[MovingTarget]

Originally posted by: ProfJohn

Originally posted by: SirStev0
Go ahead and sign up and get sick. See how great they are. That or try to find a good cipher to read the plan.

You wanted affordable and I found you affordable, but now it is not good enough for you.

I guess what you really want is a gold plated plan on a students budget?

Do you think the government option is going to provide you better coverage than this private one?

And what does his income have to do with his need for healthcare? It isn't about what he wants, but what he needs.....affordable healthcare. Healthcare is not a luxury. If that makes me some damn dirty hippy and/or pinko commie, then so be it. Healthcare is not a good/service that conforms to normal supply/demand from a consumer's pov.

For the sake of argument, can you condense that plan down to a cliffsnotes version? The short list?

 

[nobodyknows]

You little boys talking about how affordable health care is are just so cute.

Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?

Get real.

 

[JohnOfSheffield]

Originally posted by: SirStev0
This needs its own topic. You are no longer allowed to claim there are affordable options out there. Put up or shut up.


I am 23, healthy, no history of chronic diseases, unemployed (I am a student), & nonsmoker. You must prove that I will be fully covered and that I will not be denied for "preventative" tests.

I do not have an employer so you can not forget their share of the cost. Just as a for instance, if my thyroid is significantly and irregularly enlarged and my doctor wants me to have an MRI, this MUST be covered (this is an actual example of a friend with my same stats who recently had the $2000 procedure denied)

Any anti-reformer on here is free to answer with a link. This is not a debate thread. I don't want to hear your theories on the issue. I don't care about your fairy tale coverage. It is time to prove that there is affordable health care in America.

Any Euro-posters feel free to rub in your average tax cost for health care.

Join the Airforce, we get paid for going to the doctor. (UK Airforce (RAF) that is, i don't really know if USAF officers get paid for going to the doctor)

 

[Zstream]

Originally posted by: SirStev0

Originally posted by: ProfJohn
Steve, is the government option going to provide you with affordable healthcare?

If we added up the total cost of the government option and then divided by the number of people covered by the plan would we end up with a number that is smaller than what it will cost you to get insurance on your own?? Probably not.

Medicare currently covers 43 million Americans and cost the government $413 billion in FY 2009 that is a cost of nearly $10,000 for every person covered.

Can you go out and buy individual insurance for less than $10,000 per year?

Greater than 2/3 of the civilized world has found a way. WHY CAN'T WE?

Who the heck you think is doing R&D? Any business or Government for that matter will have to put research into R&D or you will be dead in a few years.

Oh and why cant you get a part time job and then have the employer provide Health care with a good tax break?

If you want some free insurance then the government can throw you a little piece, say cover 80% of expenses for the first six months of unemployment. If you can not find a job in six months to get the employer HC, you will go into a 40% bracket for six months. After a year, the cost will remain 40% for a total of a two year period. After that, a 20% coverage and 40% for medicine. Every step of the way you need proof of trying to be hired.

Either way, I or someone else will be paying for your HC.

There are ways to do this without providing everyone Government run HC!

Even with the last paragraph, it is evident we are doing a majority of R&D in the medical field.


http://www.nsf.gov/statistics/seind04/c4/c4s4.htm
http://www.msfaccess.org/



R&D expenditures in the United States alone account for roughly 44 percent of all OECD member countries' combined R&D investments


1. Global spending on health research is skewed towards wealthy markets
Global spending on medical innovation has increased dramatically from US$ 30 billion in 1986 to US$ 105.9 billion today. This may seem good news. But a closer look shows how 90% of this money is spent on the health problems of less than 10% of the world?s population. This is commonly referred to as the 10/90 gap.

The overwhelming majority of pharmaceutical industry profits come from wealthy countries. 87% of the world?s pharmaceutical market ? the US$ 518 billion made each year from drug sales - is made in North America, the European Union and Japan.

 

[ProfJohn]

Click the link, hit quote and type in the info yourself.

You'll end up with all the info you need. If you want complicated read what black posted. The plans I posted a similar to what most employers are offering and thus what the vast majority of Americans are currently using.

If Steve really wants a simple healthcare plan that will provide coverage for most of the issues a health 20 something faces then he can find it for less than what he pays per month for his car insurance.

 

[blackangst1]

Originally posted by: nobodyknows
You little boys talking about how affordable health care is are just so cute.

Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?

Get real.

Did you see the quote I posted? Apparently not.

 

[Cogman]

Originally posted by: blackangst1

Originally posted by: nobodyknows
You little boys talking about how affordable health care is are just so cute.

Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?

Get real.

Did you see the quote I posted? Apparently not.

Shh, it DOESN'T EXIST!!!1!

I don't know if you've noticed this yet, but people who believe they are right and believe that "Nobody can afford health insurance" will ignore every single option you put up there.

It's like arguing with a brick wall.

My university (and most reputable universities) provides students with a $200 flat rate option for everyone, that pretty much covers most expenses.

 

[fskimospy]

Originally posted by: Zstream

Originally posted by: SirStev0

Originally posted by: ProfJohn
Steve, is the government option going to provide you with affordable healthcare?

If we added up the total cost of the government option and then divided by the number of people covered by the plan would we end up with a number that is smaller than what it will cost you to get insurance on your own?? Probably not.

Medicare currently covers 43 million Americans and cost the government $413 billion in FY 2009 that is a cost of nearly $10,000 for every person covered.

Can you go out and buy individual insurance for less than $10,000 per year?

Greater than 2/3 of the civilized world has found a way. WHY CAN'T WE?

Who the heck you think is doing R&D? Any business or Government for that matter will have to put research into R&D or you will be dead in a few years.

Oh and why cant you get a part time job and then have the employer provide Health care with a good tax break?

If you want some free insurance then the government can throw you a little piece, say cover 80% of expenses for the first six months of unemployment. If you can not find a job in six months to get the employer HC, you will go into a 40% bracket for six months. After a year, the cost will remain 40% for a total of a two year period. After that, a 20% coverage and 40% for medicine. Every step of the way you need proof of trying to be hired.

Either way, I or someone else will be paying for your HC.

There are ways to do this without providing everyone Government run HC!

Even with the last paragraph, it is evident we are doing a majority of R&D in the medical field.


http://www.nsf.gov/statistics/seind04/c4/c4s4.htm
http://www.msfaccess.org/



R&D expenditures in the United States alone account for roughly 44 percent of all OECD member countries' combined R&D investments


1. Global spending on health research is skewed towards wealthy markets
Global spending on medical innovation has increased dramatically from US$ 30 billion in 1986 to US$ 105.9 billion today. This may seem good news. But a closer look shows how 90% of this money is spent on the health problems of less than 10% of the world?s population. This is commonly referred to as the 10/90 gap.

The overwhelming majority of pharmaceutical industry profits come from wealthy countries. 87% of the world?s pharmaceutical market ? the US$ 518 billion made each year from drug sales - is made in North America, the European Union and Japan.

So what is your argument? That we have to have a horrific and bloated health care system in order to do R+D?

 

[cliftonite]

Originally posted by: blackangst1
There's been 2 quotes already, but I found some decent coverage at ehealthinsurance.com.

Starting with low deductable, office copay type plan, RX included

$104/mo - PPO, $0 deductable, $30 copay for office visit.

Plan TypePPO Office Visit for Primary Doctor$30 Copay Office Visit for Specialist$40 Copay Coinsurance30% Annual DeductibleNone Separate Prescription Drugs Deductible$500 Individual
applies to
Brand, Non-Formulary Prescription Drugs Generic: $15 Copay, deductible waived Brand: $40 Copay after deductible Non-Formulary: $60 Copay after deductible Annual Out-of-Pocket LimitIndividual:$7,500 Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as out-of-network benefits Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$30 Copay Periodic OB-GYN ExamNo Charge Well Baby Care$30 Copay, Age and frequency schedule apply Prescription Drug Coverage
Generic Prescription Drugs $15 Copay, deductible waived Brand Prescription Drugs $40 Copay after deductible Non-Formulary Prescription Drugs Coverage $60 Copay after deductible Mail Order for Prescription Drugs Generic: $30 Copay, deductible waived Brand: $80 Copay after deductible Non-Formulary: $120 Copay after deductible Days Supply: 60 Separate Prescription Drugs Deductible$500 Individual
applies to Brand, Non-Formulary Hospital Services Coverage
Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30% Maternity Coverage
Pre & Postnatal Office VisitNot covered (except for preg. complications) Labor & Delivery Hospital StayNot covered (except for preg. complications) Additional Coverage
Chiropractic Coverage30%. Aetna will pay $25 Max. per visit/ 24 visits per year Mental Health CoverageOutpatient Non-Serious, Non Biologically Based (in network)
Not Covered Additional Information
A.M. Best RatingA as of 06/17/2009

At the low end, $30/mo - PPO, $10,000 deductable, office visits $25 ($80 annual dollar limit) then 40% coinsurance after deductible.

Plan TypePPO Office Visit for Primary Doctor$25 copay ($80 annual copay dollar limit) then 40% coinsurance after deductible Office Visit for Specialist40% Coinsurance after deductible Coinsurance40% coinsurance after deductible unless otherwise indicated Annual DeductibleIndividual:$10,000 Separate Prescription Drugs DeductibleNone Prescription Drugs Generic: $15 Copay Brand: $125 Copay Non-Formulary: BCBSAZ does not use a Formulary Annual Out-of-Pocket LimitIndividual:$4,000
Does not include deductible Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$25 copay or 40% coinsurance, ded. waived Periodic OB-GYN Exam40% coinsurance, ded. waived Well Baby Care$25 copay or 40% coinsurance, ded. waived Prescription Drug Coverage
Generic Prescription Drugs $15 Copay Brand Prescription Drugs $125 Copay Non-Formulary Prescription Drugs Coverage BCBSAZ does not use a Formulary Mail Order for Prescription Drugs Generic: $15 Copay Brand: $250 Copay Non-Formulary: BCBSAZ does not use a Formulary Days Supply: Generally 90 Separate Prescription Drugs DeductibleNone Hospital Services Coverage
Emergency Room$150 access fee, plus 40% coinsurance after deductible (access fee waived if admitted) Outpatient Lab/X-RayFreestanding, independent clinical laboratory: no charge Freestanding radiology facility: 40% coinsurance after deductible Outpatient Surgery40% Coinsurance after deductible Hospitalization40% Coinsurance after deductible Maternity Coverage
Pre & Postnatal Office VisitNot covered except for complications of pregnancy; 40% coinsurance after deductible Labor & Delivery Hospital StayNot covered except for complications of pregnancy; 40% coinsurance after deductible Additional Coverage
Chiropractic Coverage40% Coinsurance after deductible Mental Health CoverageBehavioral Services Administrator: $15 copay per visit. Other providers: 50% coinsurance after deductible, 20 visits per year. $25,000 per member maximum benefit Additional Information
A.M. Best RatingN/A as of 07/01/2007 Application Fee Blue Cross Blue Shield of Arizona requires a $20 One Time Application Fee Electronic Signature for Application Available Yes Will insurance company obtain and pay for medical records?No

Its a little disorganized how I copied it, but it has most info you need. The high end plan was $259/mo. I would say the first one would be great for a 23 year old, and very affordable.

Not sure how accurate the reviews are but here is one of them ($173 per month)

I was just diagnosed w/melanoma and this plan covers 500.00 for testing coverage a year. I have well exceeded this amount and Horizon EPO tells me I have to wait until Nov to change the plan, there is nothing they can do. I did not know that I had melanoma until June. If I wait til Nov, I could be dead! Then I won't have to worry about insurance. Don't do as I did and listen to their representative who don't know what they are doing. Now that I have this plan they tell me this is for teenagers.

 

[SirStev0]

Originally posted by: cliftonite

Originally posted by: blackangst1
There's been 2 quotes already, but I found some decent coverage at ehealthinsurance.com.

Starting with low deductable, office copay type plan, RX included

$104/mo - PPO, $0 deductable, $30 copay for office visit.

Plan TypePPO Office Visit for Primary Doctor$30 Copay Office Visit for Specialist$40 Copay Coinsurance30% Annual DeductibleNone Separate Prescription Drugs Deductible$500 Individual
applies to
Brand, Non-Formulary Prescription Drugs Generic: $15 Copay, deductible waived Brand: $40 Copay after deductible Non-Formulary: $60 Copay after deductible Annual Out-of-Pocket LimitIndividual:$7,500 Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as out-of-network benefits Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$30 Copay Periodic OB-GYN ExamNo Charge Well Baby Care$30 Copay, Age and frequency schedule apply Prescription Drug Coverage
Generic Prescription Drugs $15 Copay, deductible waived Brand Prescription Drugs $40 Copay after deductible Non-Formulary Prescription Drugs Coverage $60 Copay after deductible Mail Order for Prescription Drugs Generic: $30 Copay, deductible waived Brand: $80 Copay after deductible Non-Formulary: $120 Copay after deductible Days Supply: 60 Separate Prescription Drugs Deductible$500 Individual
applies to Brand, Non-Formulary Hospital Services Coverage
Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30% Maternity Coverage
Pre & Postnatal Office VisitNot covered (except for preg. complications) Labor & Delivery Hospital StayNot covered (except for preg. complications) Additional Coverage
Chiropractic Coverage30%. Aetna will pay $25 Max. per visit/ 24 visits per year Mental Health CoverageOutpatient Non-Serious, Non Biologically Based (in network)
Not Covered Additional Information
A.M. Best RatingA as of 06/17/2009

At the low end, $30/mo - PPO, $10,000 deductable, office visits $25 ($80 annual dollar limit) then 40% coinsurance after deductible.

Plan TypePPO Office Visit for Primary Doctor$25 copay ($80 annual copay dollar limit) then 40% coinsurance after deductible Office Visit for Specialist40% Coinsurance after deductible Coinsurance40% coinsurance after deductible unless otherwise indicated Annual DeductibleIndividual:$10,000 Separate Prescription Drugs DeductibleNone Prescription Drugs Generic: $15 Copay Brand: $125 Copay Non-Formulary: BCBSAZ does not use a Formulary Annual Out-of-Pocket LimitIndividual:$4,000
Does not include deductible Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$25 copay or 40% coinsurance, ded. waived Periodic OB-GYN Exam40% coinsurance, ded. waived Well Baby Care$25 copay or 40% coinsurance, ded. waived Prescription Drug Coverage
Generic Prescription Drugs $15 Copay Brand Prescription Drugs $125 Copay Non-Formulary Prescription Drugs Coverage BCBSAZ does not use a Formulary Mail Order for Prescription Drugs Generic: $15 Copay Brand: $250 Copay Non-Formulary: BCBSAZ does not use a Formulary Days Supply: Generally 90 Separate Prescription Drugs DeductibleNone Hospital Services Coverage
Emergency Room$150 access fee, plus 40% coinsurance after deductible (access fee waived if admitted) Outpatient Lab/X-RayFreestanding, independent clinical laboratory: no charge Freestanding radiology facility: 40% coinsurance after deductible Outpatient Surgery40% Coinsurance after deductible Hospitalization40% Coinsurance after deductible Maternity Coverage
Pre & Postnatal Office VisitNot covered except for complications of pregnancy; 40% coinsurance after deductible Labor & Delivery Hospital StayNot covered except for complications of pregnancy; 40% coinsurance after deductible Additional Coverage
Chiropractic Coverage40% Coinsurance after deductible Mental Health CoverageBehavioral Services Administrator: $15 copay per visit. Other providers: 50% coinsurance after deductible, 20 visits per year. $25,000 per member maximum benefit Additional Information
A.M. Best RatingN/A as of 07/01/2007 Application Fee Blue Cross Blue Shield of Arizona requires a $20 One Time Application Fee Electronic Signature for Application Available Yes Will insurance company obtain and pay for medical records?No

Its a little disorganized how I copied it, but it has most info you need. The high end plan was $259/mo. I would say the first one would be great for a 23 year old, and very affordable.

Not sure how accurate the reviews are but here is one of them ($173 per month)

I was just diagnosed w/melanoma and this plan covers 500.00 for testing coverage a year. I have well exceeded this amount and Horizon EPO tells me I have to wait until Nov to change the plan, there is nothing they can do. I did not know that I had melanoma until June. If I wait til Nov, I could be dead! Then I won't have to worry about insurance. Don't do as I did and listen to their representative who don't know what they are doing. Now that I have this plan they tell me this is for teenagers.

Translation: Cheap worthless health care. If this poor sap would have saved his $170 a month, he might be able to just cover the care himself. Maybe.

The point of insurance is to be there when you need it.
I maintain, there is no affordable health insurance option that actually provides proper insurance service.
Why do people insist on maintaining the bloated useless system we have? Is reform so bad?

EDIT: I almost forgot to point out that both clearly state NO PREVENTATIVE CARE. I don't think many people understand what that means. Basically, any procedure they don't feel like covering they don't. My chest xray, My friend's MRI, another friend's glaucoma test. All denied based on preventative measures. What the fuck is wrong with people when they think diagnostic tests shouldn't be covered because they consider them preventative.

 

[OrByte]

Originally posted by: Cogman

Originally posted by: blackangst1

Originally posted by: nobodyknows
You little boys talking about how affordable health care is are just so cute.

Tell the truth, do you don't really believe all that crap you spout? If there were really good and affordable healthcare options out there for everyone do you think health costs would be front and center stage in this country?

Get real.

Did you see the quote I posted? Apparently not.

Shh, it DOESN'T EXIST!!!1!

I don't know if you've noticed this yet, but people who believe they are right and believe that "Nobody can afford health insurance" will ignore every single option you put up there.

It's like arguing with a brick wall.

My university (and most reputable universities) provides students with a $200 flat rate option for everyone, that pretty much covers most expenses.

not everyone is a student still in school and getting a $200 flat rate from a university.

not everyone is a healthy college student looking at insurance premiums ranging from 50-300 bucks.

Trying being a 50 something...with a history of illnesses...a family, with family member histories....and a shrinking wage.

try NOT limiting your scope to just your individual circumstances....

Talk about "brick walls".... :roll:

 

[alphatarget1]

ehealthinsurance.com

 

[newnameman]

n/m

 

[newnameman]

Originally posted by: SirStev0

Originally posted by: cliftonite

Originally posted by: blackangst1
There's been 2 quotes already, but I found some decent coverage at ehealthinsurance.com.

Starting with low deductable, office copay type plan, RX included

$104/mo - PPO, $0 deductable, $30 copay for office visit.

Plan TypePPO Office Visit for Primary Doctor$30 Copay Office Visit for Specialist$40 Copay Coinsurance30% Annual DeductibleNone Separate Prescription Drugs Deductible$500 Individual
applies to
Brand, Non-Formulary Prescription Drugs Generic: $15 Copay, deductible waived Brand: $40 Copay after deductible Non-Formulary: $60 Copay after deductible Annual Out-of-Pocket LimitIndividual:$7,500 Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as out-of-network benefits Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$30 Copay Periodic OB-GYN ExamNo Charge Well Baby Care$30 Copay, Age and frequency schedule apply Prescription Drug Coverage
Generic Prescription Drugs $15 Copay, deductible waived Brand Prescription Drugs $40 Copay after deductible Non-Formulary Prescription Drugs Coverage $60 Copay after deductible Mail Order for Prescription Drugs Generic: $30 Copay, deductible waived Brand: $80 Copay after deductible Non-Formulary: $120 Copay after deductible Days Supply: 60 Separate Prescription Drugs Deductible$500 Individual
applies to Brand, Non-Formulary Hospital Services Coverage
Emergency Room$100 Copay (waived if admitted) plus 30% Coinsurance Outpatient Lab/X-Ray30% Outpatient Surgery30% Hospitalization30% Maternity Coverage
Pre & Postnatal Office VisitNot covered (except for preg. complications) Labor & Delivery Hospital StayNot covered (except for preg. complications) Additional Coverage
Chiropractic Coverage30%. Aetna will pay $25 Max. per visit/ 24 visits per year Mental Health CoverageOutpatient Non-Serious, Non Biologically Based (in network)
Not Covered Additional Information
A.M. Best RatingA as of 06/17/2009

At the low end, $30/mo - PPO, $10,000 deductable, office visits $25 ($80 annual dollar limit) then 40% coinsurance after deductible.

Plan TypePPO Office Visit for Primary Doctor$25 copay ($80 annual copay dollar limit) then 40% coinsurance after deductible Office Visit for Specialist40% Coinsurance after deductible Coinsurance40% coinsurance after deductible unless otherwise indicated Annual DeductibleIndividual:$10,000 Separate Prescription Drugs DeductibleNone Prescription Drugs Generic: $15 Copay Brand: $125 Copay Non-Formulary: BCBSAZ does not use a Formulary Annual Out-of-Pocket LimitIndividual:$4,000
Does not include deductible Lifetime Maximum$5 Million per person Health Savings Account (HSA) EligibleNo Out-of-Network CoverageYes (Details in plan brochure below) Out of Country Coverage Yes. Paid as in-network benefits if through a WorldWide BlueCard Provider (View Details) Find Doctors (Search to see if your doctors are part of this plan's network.) Physicians
Primary Care Physician (PCP) RequiredNo Specialist Referrals RequiredNo Preventive Care Coverage
Periodic Health Exam$25 copay or 40% coinsurance, ded. waived Periodic OB-GYN Exam40% coinsurance, ded. waived Well Baby Care$25 copay or 40% coinsurance, ded. waived Prescription Drug Coverage
Generic Prescription Drugs $15 Copay Brand Prescription Drugs $125 Copay Non-Formulary Prescription Drugs Coverage BCBSAZ does not use a Formulary Mail Order for Prescription Drugs Generic: $15 Copay Brand: $250 Copay Non-Formulary: BCBSAZ does not use a Formulary Days Supply: Generally 90 Separate Prescription Drugs DeductibleNone Hospital Services Coverage
Emergency Room$150 access fee, plus 40% coinsurance after deductible (access fee waived if admitted) Outpatient Lab/X-RayFreestanding, independent clinical laboratory: no charge Freestanding radiology facility: 40% coinsurance after deductible Outpatient Surgery40% Coinsurance after deductible Hospitalization40% Coinsurance after deductible Maternity Coverage
Pre & Postnatal Office VisitNot covered except for complications of pregnancy; 40% coinsurance after deductible Labor & Delivery Hospital StayNot covered except for complications of pregnancy; 40% coinsurance after deductible Additional Coverage
Chiropractic Coverage40% Coinsurance after deductible Mental Health CoverageBehavioral Services Administrator: $15 copay per visit. Other providers: 50% coinsurance after deductible, 20 visits per year. $25,000 per member maximum benefit Additional Information
A.M. Best RatingN/A as of 07/01/2007 Application Fee Blue Cross Blue Shield of Arizona requires a $20 One Time Application Fee Electronic Signature for Application Available Yes Will insurance company obtain and pay for medical records?No

Its a little disorganized how I copied it, but it has most info you need. The high end plan was $259/mo. I would say the first one would be great for a 23 year old, and very affordable.

Not sure how accurate the reviews are but here is one of them ($173 per month)

I was just diagnosed w/melanoma and this plan covers 500.00 for testing coverage a year. I have well exceeded this amount and Horizon EPO tells me I have to wait until Nov to change the plan, there is nothing they can do. I did not know that I had melanoma until June. If I wait til Nov, I could be dead! Then I won't have to worry about insurance. Don't do as I did and listen to their representative who don't know what they are doing. Now that I have this plan they tell me this is for teenagers.

Translation: Cheap worthless health care. If this poor sap would have saved his $170 a month, he might be able to just cover the care himself. Maybe.

The point of insurance is to be there when you need it.
I maintain, there is no affordable health insurance option that actually provides proper insurance service.
Why do people insist on maintaining the bloated useless system we have? Is reform so bad?

EDIT: I almost forgot to point out that both clearly state NO PREVENTATIVE CARE. I don't think many people understand what that means. Basically, any procedure they don't feel like covering they don't. My chest xray, My friend's MRI, another friend's glaucoma test. All denied based on preventative measures. What the fuck is wrong with people when they think diagnostic tests shouldn't be covered because they consider them preventative.

No, it doesn't say no preventive care, that's just the formatting (the 'no' is from specialist referrals required). It's really:

Physicians
Primary Care Physician (PCP) Required No
Specialist Referrals Required No

Preventive Care Coverage
Periodic Health Exam $25 copay or 40% coinsurance, ded. waived
Periodic OB-GYN Exam 40% coinsurance, ded. waived
Well Baby Care $25 copay or 40% coinsurance, ded. waived

 

[MovingTarget]

Originally posted by: ProfJohn
Here....
http://www.anthem.com/

Rate quotes for someone living in Chesapeake Va.
Highest rate is $194
Lowest is $73

The plans most people would pick ranges from $89 - $126 a month.

Is that affordable enough?

Here's that $89/month plan:

Per Month: $89
Deductible: $500

Providers: In network PPO, out of network requires additional consinsurance, separate deductible, and additional out of pocket maximum

Doctor Visits: First 3 yearly visits $30 copay. After that, 30% after deductible

Drugs: Separate $200/yr deductable per person. You pay $15 or 40%, whichever is greater. Coverage is for generic drugs only. $5000 yearly benefit maximum per person.

Hospital Inpatient & Outpatient Services: 30% coinsurance after deductible.

Routine Wellness Care: 1 yearly visit per person. $30 copay if within first three visits in given year, 30% if three visit limit has been reached. Routine Screenings: Covered after deductible, you pay 30%.

Emergency: 30% coinsurance aftger deductible if covered services are for emergency care as defined by Anthem.

Max Lifetime Benefit: $2million per person regardless of providers or facilities.

First, many people cannot afford even those premiums. $89 is a lot for someone who works on an hourly basis at Walmart. All the above was quoted for things done 100% in network only. So, if you get sick with something that may require a test or multiple visits, be prepared to start paying a significant amount of your paycheck. The working poor cannot afford this. Cancer? Broken arm? Flu? Be prepared to miss a rent payment if you haven't already exhausted what little savings you have...

 

[Carmen813]

My guess is that if you are paying $35,000 a semester you can get health insurance through your school. If it's a graduate program it will also cover your family (if married/w kids). Mine would have been $7000 a year, I turned it down and went on Medicaid (I have a history of cancer, 500k yearly cap and 20% out of pocket costs while unemployed = no go).

If you guys want a real challenge, find me and my wife private coverage. We have about $1800 a month to live on. Both cancer survivors, both non-smokers, 25/24 years old.

 

[Carmen813]

Originally posted by: ProfJohn
Eskimo, I did it because medicare is the easiest government program to get numbers for.
Find me another large program and find me numbers like that and we can use your example instead of mine.

Additionally, and something you seem to forget, the government option will not just be providing healthcare coverage to healthy 20 year olds. Instead it will end up providing coverage to all comers which will more than likely end up including the sickest people in this country.

Have an expensive genetic disorder? Government option.
Have pre-existing conditions that employer won't cover? Government option.

In the end the per-person cost of the government option may not be as high as medicare, but it will certainly be a LOT higher than a personalized plan crafted for a healthy 20 something.

Genetic and pre-existing conditions are illegal to discriminate against in HR3200 for all insurance programs.