Low price insurance....

[Gibson486]

Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

 

[Viper GTS]

$120 is low price, it's easy to spend $1000 a month on health insurance.

I pay almost that much for insurance through my employer.

Viper GTS

 

[Gibson486]

I guess its low if you have a full time job....

One thing i learned through her ordeal though is to avoid the insurance the school gives you at all cost

 

[rgwalt]

You just need to shop around. Also, look into taking high deductables. I have insurance and I'll pay $62 a month when I renew. I'm a healthy 24 year old non-smoking male, but I also take a large deductable. This insurance is through BCBS of Indiana.

Ryan

 

[Gibson486]

how do you get deductables?

 

[dabuddha]

Start by calling the various health insurance agencies.

 

[gluck]

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

 

[rgwalt]

When you sign up for insurance, a company offers different plans with different deductables. The higher deductable you take, the cheaper the insurance because you are assuming some of the risk yourself. It works the same way as car insurance.

So, if you have a $100 deductable on your health insurance, you will be responsible for the first $100 of medical bills within a year. If you have a $2500 deductable, you will be responsible for the first $2500 of medical expenses in a year. The higher the deductable, the cheaper the insurance. You have to look at how much you use the doctor in a given year to determine what deductable you can take to come out in the best shape. If you don't go to the doctor at all, it won't help you to have a lower deductable. If you go to the doctor a lot, having a lower deductable will allow you to come out ahead. However, it is all about managing risk versus your money. I take a very high deductable on the primise that even with a lower deductable I won't spend enough money at the doctor in a given year to meet my deductable.

So, if I'm deciding between a $500 deductable and a $1000 deductable, I would take the $1000 deductable because chances are I won't even spend $500 in a given year. I may not even spend $100, so why spend a lot of money on a plan that I don't use very often? However, you have to take precautions when taking a large deductable. If something happened and you needed to spend a large amount of money on medical bills, you want to make sure you have enough insurance to cover you. So, don't take a $2500 deductable if you can't come up with $2500 to pay out in case you need it.

Make sense?

Ryan

 

[rgwalt]

Originally posted by: gluck

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

You are taking a gamble. If something serious were to happen, you would rack up the bills FAST. It would be easy to have to go to the hospital for something (burst appendix) have surgery, and have a few days in a hospital bed, and end up with a bill for $10,000. If you had insurance, this wouldn't be a problem. Now, the chances of this happening are very low, so the risk is also very low, but is it something you could handle were it to happen?

I'm sorely tempted to go without insurance, but I know that the minute I let my coverage lapse I will need it.

Ryan

 

[dabuddha]

Originally posted by: gluck

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

Can't wait for your thread saying you got into an accident and had to go to the hospital with no insurance.

 

[Gibson486]

Originally posted by: rgwalt
When you sign up for insurance, a company offers different plans with different deductables. The higher deductable you take, the cheaper the insurance because you are assuming some of the risk yourself. It works the same way as car insurance.

So, if you have a $100 deductable on your health insurance, you will be responsible for the first $100 of medical bills within a year. If you have a $2500 deductable, you will be responsible for the first $2500 of medical expenses in a year. The higher the deductable, the cheaper the insurance. You have to look at how much you use the doctor in a given year to determine what deductable you can take to come out in the best shape. If you don't go to the doctor at all, it won't help you to have a lower deductable. If you go to the doctor a lot, having a lower deductable will allow you to come out ahead. However, it is all about managing risk versus your money. I take a very high deductable on the primise that even with a lower deductable I won't spend enough money at the doctor in a given year to meet my deductable.

So, if I'm deciding between a $500 deductable and a $1000 deductable, I would take the $1000 deductable because chances are I won't even spend $500 in a given year. I may not even spend $100, so why spend a lot of money on a plan that I don't use very often? However, you have to take precautions when taking a large deductable. If something happened and you needed to spend a large amount of money on medical bills, you want to make sure you have enough insurance to cover you. So, don't take a $2500 deductable if you can't come up with $2500 to pay out in case you need it.
t
Make sense?

Ryan

Yeah, I thought you mean, thank! Unfortuntely, I doubt she would want to take that chance since has Asmtha that reacts very badly sometimes.

As for Gluck, get insurance. My gf felt the same until one day she had to go to the hospital. The hospital visit was $600.00 plus another $500 for xrays.

 

[gluck]

Well yes I feared the same thing and thats why I had health coverage but it was like my employment changed and it'll be a while till I get a offered ins from this company. I was insured till like end Jan. Yeah if I get a cheap ins I will go for it but I don't wanna pay insane amounts. Once I start off a family things would be different.

 

[gluck]

Originally posted by: dabuddha

Originally posted by: gluck

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

Can't wait for your thread saying you got into an accident and had to go to the hospital with no insurance.

Just wanted to ask a thing I have a pretty good coverage on the auto insurance that pays for personal injury etc. incase I get into an auto accident wouldn't my insurance take care of that. If I get into an accident that other than that I knwo I'll be screwed.

 

[mugs]

Originally posted by: Gibson486
I guess its low if you have a full time job....

One thing i learned through her ordeal though is to avoid the insurance the school gives you at all cost

If she's paying off her loans, she's not in school anymore? Tell her to get a full-time job. Or just a few hours a week more than she's working now... $120 a month is really not that much. I pay $320 a month, can't wait to get on my employer's plan.

 

[mugs]

Originally posted by: gluck

Originally posted by: dabuddha

Originally posted by: gluck

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

Can't wait for your thread saying you got into an accident and had to go to the hospital with no insurance.

Just wanted to ask a thing I have a pretty good coverage on the auto insurance that pays for personal injury etc. incase I get into an auto accident wouldn't my insurance take care of that. If I get into an accident that other than that I knwo I'll be screwed.

Well, I sure as heck wouldn't have wanted to pay my $7000 hospital bill from when I had a kidney stone. That wasn't an accident. If you don't want to pay for health insurance, you better move to Canada.

 

[dabuddha]

Originally posted by: gluck

Originally posted by: dabuddha

Originally posted by: gluck

Originally posted by: Gibson486
Anyone know where i can get low priced health insurance? My gf needs it, but her family cant afford it, and she does not qualify for the govt. insurance. The lowest price she found was around $120 a month, which is alot considering she is also paying off her school loan (another $40 to $100 a month). Any suggestions?

I dunno if anyone out here would agree with me or not but I was paying like $100+ for a basic coverage provided by my recruiting company. I had it for the while I was working and now I just took it off. I am now without health insurance for like a month or so now and don't mind it. I am 26 and feel that I need a pretty basic or rather no insurance. I feel paying out of the pocket once in a while would be ok for me. What do you think ? Is it ok to be without health insurance ?

Can't wait for your thread saying you got into an accident and had to go to the hospital with no insurance.

Just wanted to ask a thing I have a pretty good coverage on the auto insurance that pays for personal injury etc. incase I get into an auto accident wouldn't my insurance take care of that. If I get into an accident that other than that I knwo I'll be screwed.

It should but usually a hospital visit costs more than that. Plus what someone else pointed out, what if you get some other sort of accident? Some emergency surgery or what not.

 

[Gibson486]

Originally posted by: mugsywwiii

Originally posted by: Gibson486
I guess its low if you have a full time job....

One thing i learned through her ordeal though is to avoid the insurance the school gives you at all cost

If she's paying off her loans, she's not in school anymore? Tell her to get a full-time job. Or just a few hours a week more than she's working now... $120 a month is really not that much. I pay $320 a month, can't wait to get on my employer's plan.

No, she pays intrest during college.