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Health insurance question, please help!!? |
I am 18 years old. I currently have health insurance through my employer and it doesn't seem all that great. I pay $57.07 a week. This is my first time having insurance on my own, and to me, with trying to buy and new car and get a place with my fiance/boyfriend, it's hard watching that much money go. I could spend it on gas! You know?! Anyway, I was just wondering if anyone knows of any better/cheaper insurance companies I could try to go to. The insurance company I'm with is Coventry. I pay a lot with the plan I'm on for doctor visits and all. I don't like it. I know there has to be something cheaper out there. PLEASE HELP!! I've tried comparing quotes on www.ehealthinsurance.com, but I don't understand the termonology they use. :P And my mom doesn't either. So anyone's help is greatly appreciated! If you know anything about this stuff please suggest what I should look for when looking for insurance. THANK YOU! Also, if you need to know more to help me out, e-mail me! This is a complete guide to choosing the right health insurance for somebody at your age. Very helpful tips: http://www.insurancehelpsource.com/healt... health insurance is costly....but if you don't have it you'll be spending hundreds to stay well and thousands if you have an accident. What you are paying sounds about right.....I know some people that pay $400 a month. i agree that you are paying way too much for your insurance. have you talked to someone in HR to discuss whether the company has other insurance carriers other than coventry. generally, employers have a listing of insurance carriers that they allow their employees to choose from. if you are looking for another insurance carrier on your own, you should be aware that your company may not pick up the rest of the medical expenses. so you should really find out more info from your employer before looking elsewhere. if you want to obtain health insurance that your company does not offer, some of the things you need to consider is how much co-pay you would pay, how much for a hospital stay, how much co-pay for prescriptions, does it cover vision, dental, how much would you have to pay for emergencies, can you have your choice of any doctor, etc. OK, it's POINTLESS to try to buy health insurance over the internet. Go to a LOCAL, INDEPENDENT agent. Ask them for a quote for a major medical policy, with a massive deductible - like maybe $4,000. They SHOULD be able to get you a policy for maybe $100 a month. BUT. That means, the first $4,000 of ANY medical bills, you pay out of pocket, before the insurance kicks in. AND, usually that dollar deductible "resets" every January 1st, so if you spend $4,000 between now & December, you'll have to spend ANOTHER $4,000 before insurance pays anything in January. But it's cheap. And, I'd seriously think twice about shacking up with the boyfriend, AND buying a new car. A $1,000 junker will get you places just as well, and will cost you THOUSANDS less in insurance. agent, 21+ years Buy what you can afford and the coverage is sufficient. In case of an emergency you can have something to fallback. Choosing the right plan is not easy, maybe u can ask your friends for some recommendation. Those who have previous claim experience can even tell you more about their insurers and agents The higher the deductible the cheaper the premium will be. But make sure you will have sufficient cash to pay b4 the insurance kicks in www.einsuran.com |
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