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| *Loan,banking and credit>>>health insurance |
I need affordable health insurance? |
I live in Monmouth Co., NJ, and I need to find affordable health insurance. I was covered under my parents insurance when I was in college, but I am now 22, and own my own home w/ my fiance. My job does not offer health insurance, but I make a decent amount of $ there. I am getting married in 2008, so I will be covered under my spouse's insurance then, but I need to go to the dr. now! Nothing life threatning, but I would like to have the piece of mind knowing, god forbid, if anything happened. Please help! Have you thought about doing a civil marriage before your "real" wedding in 2008? That would allow you to get on your fiance's health plan. Your coverage would be effective on your marriage date. My husband and I got married at our local courthouse a year before our "real" marriage for health insurance purposes. We are also in NJ and were paying over $500 a month for his health insurance. It was a good plan with prescription coverage, which we needed due to his asthma and some other health issues. We took the money we saved on health insurance and extended our honeymoon by a few days. Join the club. NJ sucks and so does health coverage. I live in Bergen County, NJ, and my company health plan costs more than $1,000 a month for the family coverage! I'm moving down to FL next month. I hope it's better down there. At 22 the best thing to do is get catastrophic insurance for now. That only costs about 75-100 a month and will protect you against real expensive health issues. Studies have shown that its cheaper to go to doctor up to 5 times a year for general check ups then it is to get full health care coverage. So you are better off just paying for Doctors visits and pills on your own for now and get the catastrohic as a back up in case of severe medical bills. Thats what I did until I got on my wifes coverage also. In the last 4 years I have spent less then 1k total on doctors bills. Getting full health care coverage would have cost me at least 250$ a month ( even for a lousy plan).. so you do the math. check out prices for the major players in your area. i'm not sure what they are in NJ, but websites should be able to help you out. keep in mind that the lower monthly price, the more you will pay out of pocket when you do visit the dr. say, a $60 a month plan is cheap, but a visit to your dr may cost you $80 in addition. prescription drug co-pays may be high. etc. whereas a $300 a month plan isn't cheap, but you will most likely not have to pay any out of pocket expenses besides office co-pays etc. don't want to say it, but if you have a major accident and have cheap health insurance, you could owe tens of thousands of dollars when you get out of the hospital. it's all about risk. what level of risk are you comfortable with? OK, well, the INSURANCE is likely to cost much more than the doctor visit. A comprehensive plan with copays and not much deductible will run you about $250 a month. If you take on a hefty deductible, like $5,000 (and you KNOW the doctor visit will be under that!), it's going to run you about $100 - $125 a month. That's just what it is. So visit the guy who does your house insurance, and ask for a quote. It will probably take a few weeks to get the health insurance in place, so allow some time. agent, 21+ years please try this <a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">help!</a> <img src="http://www.lduhtrp.net/image-1748196-104... |
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