CS3 asked:


It might seem like an odd question, but I really don’t know. Growing up, my family was rather poor and money was always a major obstacle. [Only my dad worked: 40 hours X $10/hr isn't much for a family of 5].

We never had individual health insurance, regular checkups, or anything of that nature. I only went to a doctor twice in my life, once at 8 & again at 10 yrs -both for no major reason.

Anyway, I’m now 20 years old (in good health – I think), just graduated from college, and I’m about to start working at a large financial firm. Needless to say, I will have more than enough money to afford Health insurance and all the other necessities. But how exactly do I go about attaining this?

Do I inquire at my work place to see if they have some type of employee health plan? Do I go to an independent insurance company? Any good Ones?

Once I have that covered, do I simply walk/call into the hospital and request a physical/check-up or etc? Will I have a personal Physician/Doctor?
Also how much does Health insurance cover? Is it a certain percent %?

Links would be Great.

Kirsten

3 Responses to “How does Pesonal Health Insurance work?”

1. jo.rogers72 on April 26th, 2009 11:45 am

   For you choose for yourself most employers that they will vary depending on what options you but then you are plans you purchase for yourself most employers that offer insurance pay portion of your hr or there are plans you.

2. donantonioelsabio on April 29th, 2009 10:50 pm

   First you will have to answer questions from the insurance company to see if you qualify for health coverage. If you have any pre-existing conditions, due to not going to doctor growing up, chances are the insurance company will not insure you. With Ameriplan health care coverage everyone is accepted even those with pre-existing conditions. Every time you visit doctor with Ameriplan you will save 15% to 80%. This is money you can use elsewhere since you are just starting out. For more info go to

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