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  1. #1
    snowinapril's Avatar
    snowinapril is offline Jersey Retired
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    Health Insurance?

    Please do not turn this into a political debate!

    Seriously, I need to know some good ideas for health insurance option.


    Hopefully this will educate me and some others for future reference!

    For all of you that are lucky enough not to have to worry about this issue because you have an employer that pays for your health care (you suck, JK) you might want to pay attention also.
    I am finding out that you might want to ask your health care provider about certain issues, specifically if they put caps on payments to hospitals for let's say Chemotherapy or certain procedures, no I haven't been to the hospital for any procedures.


    What company do you have your insurance with?

    Do you have a type of insurance to lower the deductible (CI?)?

  2. #2
    ThorSPL's Avatar
    ThorSPL is offline Team Alumni
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    Re: Health Insurance?

    The single biggest factor in lowering your monthly is likely to be your deductible/copay.
    If you can handle raising those up some, you can bring monthly charges under control....

    You definitely should look at where they cap out at for payments, etc.

    Personally, I have BC/BS... it's expensive, but good.


    Trust me, I'm a doctor.

    www.twitter.com/ThorSPL

  3. #3
    slinkey is offline Pro-Bowler
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    Re: Health Insurance?

    United Health Care HSA program.

    Works as follows:
    Total Family Deductible $4,000.00.
    Our contract preloads $3,000.
    So, the actual out of pocket is $1000 per family; which my family blows away every year.
    So, it should save us money.
    HSA means savings account.
    You can put many tax free into the account to cover medical expenses; even bandaids and asprin.
    Downfall is you have to save all receipts forever as near as I can tell.

  4. #4
    BadlandsVikings's Avatar
    BadlandsVikings is offline Jersey Retired
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    Re: Health Insurance?

    I have Blue Cross Blue Shield, but I can't remember the deductable.
    I don't pay much a month for it but it covers everything.

  5. #5
    jmcdon00's Avatar
    jmcdon00 is offline Jersey Retired Snake Champion, Moto Trial Fest 2: Mountain Pack Champion, LL City Truck 2 Champion, Arithmetic sequence Champion, Troops Tower Defense Champion
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    Re: Health Insurance?

    "slinkey" wrote:
    United Health Care HSA program.

    Works as follows:
    Total Family Deductible $4,000.00.
    Our contract preloads $3,000.
    So, the actual out of pocket is $1000 per family; which my family blows away every year.
    So, it should save us money.

    HSA means savings account.
    You can put many tax free into the account to cover medical expenses; even bandaids and asprin.
    Downfall is you have to save all receipts forever as near as I can tell.
    As someone that has not had healthcare since I left the nest (7 years?) I am probably not the best person to ask, but I'll tell ya what I know.
    Health savings accounts are high deductible plans(usually 1 to 2 thousand for an individual or 2 to 4 thousand for a family). How they work is instead of paying $200 a month for a regular plan you pay $100 a month for a high deductable plan, then you take another $100 and put it into your health savings account. When you have
    medical expenses you pay out of the health savings account until you reach your deductible for the year(they usually give you a checkbook or card for that account), then and only then the insurance kicks in. What ever you put into the account is tax deductable similar to an IRA. If you don't use all the money in your account it stays in the account. You can also do a one time transfer of money from an existing IRA to your Health Savings Account, without paying any taxes or penalty.
    Tax wise it is much better if you can get an policy through an employer,(HSA or other)even if you are paying the premiums yourself, that way the premiums are pre-tax. If you don't go through an employer the premiums are not deductable(technically it's possible but you have to itemize and exceed 10% of your income in medical expenses).

    Good luck, if something I wrote doesn't make sense, let me know.

  6. #6
    snowinapril's Avatar
    snowinapril is offline Jersey Retired
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    Re: Health Insurance?

    All good stuff so far!

    Here is a site for discussing questions about all types of Insurance.

    http://www.ampminsure.org/

    The guy that gave me a quote said that the Health Savings Plans were junk.
    That is what he said.
    I know to take everything that a salesman say with many grains of salt.
    LOL!

  7. #7
    jmcdon00's Avatar
    jmcdon00 is offline Jersey Retired Snake Champion, Moto Trial Fest 2: Mountain Pack Champion, LL City Truck 2 Champion, Arithmetic sequence Champion, Troops Tower Defense Champion
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    Re: Health Insurance?

    "snowinapril" wrote:
    All good stuff so far!

    Here is a site for discussing questions about all types of Insurance.

    http://www.ampminsure.org/

    The guy that gave me a quote said that the Health Savings Plans were junk.
    That is what he said.
    I know to take everything that a salesman say with many grains of salt.
    LOL!
    I don't think it's for everyone but not a bad deal for someone that is young and healthy.

  8. #8
    ultravikingfan's Avatar
    ultravikingfan is offline Administrator
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    Re: Health Insurance?

    Don't get any.
    There is free coverage in the US.

  9. #9
    NodakPaul's Avatar
    NodakPaul is offline Jersey Retired
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    Re: Health Insurance?

    "jmcdon00" wrote:
    "snowinapril" wrote:
    All good stuff so far!

    Here is a site for discussing questions about all types of Insurance.

    http://www.ampminsure.org/

    The guy that gave me a quote said that the Health Savings Plans were junk.
    That is what he said.
    I know to take everything that a salesman say with many grains of salt.
    LOL!
    I don't think it's for everyone but not a bad deal for someone that is young and healthy.
    jmcdon is correct.
    Health Savings Accounts are not for everybody, but they do have some major benefits.
    If you are relatively healthy, they can save you wuite a bit of money.
    However, if your average health care bills exceed $1000 per year, you can end up paying much more out of pocket than you would with normal insurance.

    Another benefit to HSAs are that they are designed to help curb the rising rate of insurance.
    A lot of companies are considering switching to the because insurance premiums are so high.
    HSAs are much, much more affordable for most companies to sponsor - even if they make the initial deductible contributions for each employee and their families.

    Personally, I have two young children, so an HSA would not be a good deal for me.
    I have had Medica for the past three years, and I can honestly say that I have had less out of pocket expense than any other time in my life, save for my seven years in the military.
    Zeus wrote:
    When are you going to realize that picking out the 20 bad throws this year and ignoring the 300 good ones does not make your point?

    =Z=

  10. #10
    BadlandsVikings's Avatar
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    Re: Health Insurance?

    "ultravikingfan" wrote:
    Don't get any.
    There is free coverage in the US.
    Si senior, SubÃÂ* por encima de la cerca y yo no tengo que pagar una cosa

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