graybear asked:


I’m trying to pick a good health insurance individual plan for while I’m between jobs. I would like a low monthly premium, so I’m looking at pretty high deductibles. I’m thinking of a $5000 deductible, but that plan says it has a $3000 out-of-pocket maximum. How does that work? It that AFTER the deductible is met?

I’m also looking at another that is a $3000 deductible with higher coinsurance, but lower premium. I basically use preventative care, but am good on all my check ups until next year, so might not even use those while I have this insurance, because obviously I hope to be covered by an employer before then, but I want to be prepared for any emergencies.

I don’t want to pick a plan just based on how much I want to pay per month, but there are too many options! Any guidance on selecting a plan is greatly appreciated!

Alondra

argothiusz asked:


I need to purchase a Health Insurance for individual full time college student. Anyone has good recommendation? Would be nice if you include a little info of their plans ^^

Thanks

Eliza

moonwolf317 asked:


Cobra would be kinda pointless because it only covers us in the state that we live in and I’ve heard that a lot of individual health plans have to be used for a certain number of months before you can cancel it. What do you do for that first three months in a new state while your waiting for employee benefits to kick in?

Annabel

ttwofour asked:


I have a pre-existing and no insurance company (called them all) will take me. The ONLY way I can get insurance is through my wife’s work which costs an arm and a leg. Are there any groups that I can get in on? Like, if I join an association or something? Any advice? Thanks. I’m desperate here.

Justine

Ashley asked:


I’m looking for an insurance company for individuals that will cover weight loss surgery.

Janelle

schp asked:


A family member of mine was recently diagnosed with a serious and potentially fatal illness while visiting us in the US. He has no health insurance, and the surgery and treatment in US (which we prefer) will cost up to US$40K/year. I would appreciate very much any advice on whether he can still somehow obtain individual/family health insurance at this point, if so, how and what type should he get (PPO, POS, HMO, EPO, etc.)?
I myself am unfamiliar with health insurance plans so any help is much appreciated. Thank you very much for your help.

Rayne

Tracy’s asked:


My fathers health insurance through GM is going to be cancelled in Jan of 2009 and now we are in the process of trying to find another plan to go with his Medicare plan, is there anyone out there that has a suggestion for him?

Alexa

John F asked:


Does anyone have any feedback on individual health insurance plans in the S.D. area? Thanks -

Taylor

smiles11 asked:


I am turning 22 on JUNE 25 and will lose my health insurance through my dad. I am still in college and do not have a job. Does anyone know of a reasonably priced insurance plan? I hope to only need it for about 1 year, because graduate in December 08

I’m looking at full coverage and/or emergency only health plans. thanks!

Sidney

Ken T asked:


My employer does not provide health insurance. After extensive research, my wife and I found a suitable policy for ourselves that provided sufficient insurance coverage without breaking the bank. The major downside I see is that we are paying for the coverage with post tax money – yes our premium goes toward our itemized deductions, but that is no where near comparable to paying with pre-tax money. Am I wrong about this? Is there a better way to approach this?
It just doesn’t seem right that I am punished merely because my employer is a small business, not able to participate in a group insurance plan.

Leanna