Defined benefit indemnity policies, or Mini medical's.

My agency runs a series of TV commercials on channels like CNBC, FOX etc and thats how we get the prospect's for the most part. On my end its more of trying to figure out what exactly is going on with the prospect and when I do figuring out what there best option would be. 99% of the people I enroll have no insurance and dont qualify or cant afford the higher premiums for major medical

It really depends on your state but if your healthy maybe $50-80 monthly tops

I'm 24, live in Ohio and have no insurance. I'm self employed and have no clue how to even start looking for a good insurance plan.

I have asthma, but the medication is relatively cheap. I'm guessing this means I probably don't need to get anything to cover medication, but I think I want more than just catastrophic insurance. There's been a few times these last few years that I would of went to the doctor's if I had insurance, but because I didn't - I just stuck it out.

I am also interested in obtaining dental insurance if you have any info on that.

Insurance carrier: Blue Cross Blue Shield
Deductible: $2000, $250 on prescriptions
Co-insurance: 80/20
Premium: $336
State: MA
Individual or family insurance: Individual
Group insurance through employer?: No

I am a type 1 diabetic, adult onset, diagnosed after already having this insurance.

Luckily for you ohio is considered one of the cheapest insurance states.

My recommendation would be the copay select policy through Goldenrule/United health care. www.goldenrule.com

I would recommend a 5k deductible as things like doctors visits are simply a copay, and are not subject to the deductible.

This provides you with free preventative doctors visits as well for things like physicals etc.

I would recommend to go directly to goldenrule.com to purchase the policy because you dont have to worry about a rouge agent intervening and telling you to have a lower deductible to boost their commissions and you will also avoid the agency service fee's

Okay please listen to me. This is extremely important.

You need to keep this insurance for as long as humanly possible.

Diabetes is considered a decline for insurance, so the fact you were diagnosed after having the policy in effect is the only way you will receive coverage towards things like your insulin and diabetes related hospitalizations. The only other way is with group insurance through an employer ONLY

KEEP THIS PLEASE.

Thank you, I am currently in the process of getting a new job (through the state of Mass)

I assume when I get this job, which will come with benefits, that I could transfer over to the new state (group) insurance without having to worry about that?

I am nervous because if I was ever let go from that job, I worry about what would happen.

Obviously I will have to discuss this with HR, but you sound like you would be more informed.

Insurance carrier: Anthem bcbs
Deductible: 1500
Co-insurance: 30%
Premium: ~200/month
State: VA
Individual or family insurance: myself and my wife (mid-20's)
Group insurance through employer?: no

That is correct you will be able to make a smooth transition. If you left that job on your own terms the coverage would terminate, if it were a lay off you would receive an extension of your group policy which is called COBRA for 18 months time than after that you would be left in the dark. I mean the individual insurance right now for you seems like the best bet because you are already established with the insurance company, however if you see yourself stable within the company the switch would be acceptable.

The only other option you would have would be the state high risk insurance which has extremely high premiums because they insure pre-existings

If you have no problem paying the premium you have a pretty optimal policy, you can always raise your deductible to save some money monthly but if the premium isnt a problem you have pretty much the perfect policy

I work in group health insurance. I don't know much about individual. What sorts of things can you have and still enroll in individual? Sometimes I over hear the underwriters in our individual department and it's lead me to believe that you need to be in perfect health to enroll in an individual policy.

I was checking out the website and my total was about $80/month for the copay health insurance and I could pay an extra $20/month to get dental. Is this a good deal?

Also, I can't manage to use their "find doctors" options correctly because it's telling me there are 0 doctors available within a 100 mile radius of where I live, which can't be true. Any thoughts on where I can find this information out because their website is atrocious for finding this (seriously, try to run the tool).

Things like high blood pressure, asthma, certain types of arthritis, cholestoral

The problems is combo's like for example

for people with high blood pressure, it is not uncommon for them to have high cholestoral as well and with these 2 things if you are like 35+ thats a borderline denial. IF you take more than 3 meds, most of the time its a denial.

Usually if you are a smoker, it can lead to something like COPD or lung cancer, and because of that you will pay at least 1/3rd more monthly.

You dont have to be in PERFECT health however if the insurance carriers can take on a client who is less likely to pose a risk opposed to someone who might have some problems down the line, 99% of the time the insurance company will try to find any way possible to take the cheaper route.

Since the obama thing has been announced insurance carriers know that if it passes they will be required to accept everybody, so right now most of the insurance carriers have became much more strict with there underwriting guidelines as 2 years down the road they wont have a choice but to accept everybody if the reform goes through. Because if this its not uncommon to see someone be denied for simply something like Blood pressure and a family history or things like heart problems etc.

So it is getting tighter for sure

Yes that is a good deal for sure. If its more than you want to pay, adjust the co-insurance to 70/30 and raise the deductible to 7500 or 10k www.multiplan.com that is the link to the PPO provider where you can perform doctors search.

Go to multiplan, click search for doctors or hospitals in the top right corner. Where it says select your network logo choose ''multiplan'' and only select the multiplan option on the bottom set of ppo providers. Once you select the multiplan network logo than select your option between doctor or hospital. Do like a 25 mile radius of your zip code, and you should have at least 251 different options to choose from for doctors

Just wanted to publicly thank 4starkid for a pm he send me. Much appreciated

that's interesting. On the group side we get people with all sorts of conditions. I guess I can see why the individual side would be a bit more conservative though

ur 22 and u think ur an xpert and can give advice to anyone solely based on 5 sentences.

themoreuknow.jpg

My division got acquired by another bank and we have to pick new insurance, here are my options:

#1

PPO Plus - CIGNA/Tufts HP Open Access with HSA
Annual Premium Deduction - $636
Premium (Monthly) $53
Annual Deductible $1,200/$2,400
Out of Pocket Max (including deductible) $2,400/$4,800
Coinsurance 10%/30%
Prescriptions Tier 1 $10 copay Tier 2 $30 copay Tier 3 $65 copay

#2

PPO BC/BS Blue Care Elect
Annual Premium Deduction - $1,764
Premium (Monthly) $147
Annual Deductible none/$500
Out of Pocket Max (including deductible) none/$2,500
Coinsurance none/30%
Prescriptions Tier 1 $10 copay Tier 2 $30 copay Tier 3 $65 copay

#3

BC/BS HMO Advantage Blue
Annual Premium Deduction - $1,176
Premium (Monthly) $98
Annual Deductible None
Out of Pocket Max (including deductible) none
Coinsurance none
Prescriptions Tier 1 $10 copay Tier 2 $30 copay Tier 3 $65 copay


State is GA, 28 years old, single, group insurance, pretty much never go to the doctor other than for a yearly physical.

Thanks.

Just a quick note:

You WANT to have some kind of health insurance, if you can. You don't need a gold-plated-go-to-the-doc-if-I-have-a-runny-nose policy, but a high deductible catastrophic policy is a very good idea.

1) Trauma is a disease of the young. Trauma is EXPENSIVE, because it's pretty much cook-book medicine for anyone with any sort of significant injury, and the recipes all call for lots of expensive scans and testing. Bounce off a tree while snowboarding and hit your head and pass out - 40-50K easily, even if you don't have any sort of injury after the dust settles.
2) It's an EXTREMELY high variance game - and the majority of people "win" and don't need coverage. OTOH, if you're like my brother and get diagnosed with lung cancer at 39 - his medical bills were somewhere north of 500K. As near as I can tell, the chances of that were somewhere about 50000:1. But he didn't get 1/50000 of a case of cancer, sadly.
3) Given the above, shop HARD, get a high deductible policy that won't cost much (I'm covering my brother, who is self-employed, thru blue cross in Cal for something like $120 a month for a 5k deductible policy) and move on with your life.

MM MD

OP I would like to hear your opinion on this article:

http://www.pnhp.org/news/2012/januar...vate-insurance

Well, I'll answer part of it.

I think if you were building a health care system from the bottom up, it would look something like this.

I have STRONG doubts that this is going to happen by 2020 - there are just too many powerful interests aligned against it - the AMA, the insurance companies (who you note, are doing just fine right about now - ignoring whether or not it's the best system for people over all) and large hospital groups.

Farther on down the road, I think it's possible - but look at how well Obamacare is going - which is about 10% disruptive to the status quo as this would be.

I would also note that HMO's, and then PPO's were going to COMPLETELY change medicine, and the way it was delivered. Predictably, they ended being grafted onto the existing structure, and in the end, didn't make a whole lot of difference cost wise. Which is probably where the ACO's will end up.....

MM MD

Ok well lets see. I passed a state exam that was extremely tough with an exceptionally high score, Ive been doing it for over a year and regularly study the industry as one would do with poker and I never claimed to be an expert, the reason I ask for those 5 questions is because that is all the information required. Whether I do it on the job its 5 questions or whether I help people out.

what is ''ur'' and ''xpert''? I am having just a little trouble making those out or finding them in the dictionary.

Dont you have anything better to do than post on my thread with garbage and horrible abbreviations for words that take like 2 more letters to type properly?

Oh yeah not to brag but I think im gonna brag about the expert thing.
Ive been the top producer in a company of 100 agents who have been doing this much longer than me for about 11 months straight, I think I am somewhat of a ''specialists'' in my area of work

Don't these for-profit companies only insure people they expect to profit on because they figure the premiums>medical expenses?

What percent of people with coverage end up getting denied when they file a claim? I heard there are departments of people dedicated to doing nothing but finding loopholes or errors with the policy to deny coverage.

If someone has a pre-existing condition which is serious enough the insurance company doesn't want to insure them for it, can they still get insurance to cover medical expenses not related to that pre-existing condition?

Ya but u had 2 ask a group of random strangers on the inet how 2 live on ur own