Posted by Chloe on January 14, 2008, 9:01 am
>>I have just graduated, am 24 yrs old with a Body Mass Index of 20, no
>> health issues. I have started looking for full time jobs, but until I get
>> coverage through my employer I want to have some sort of coverage for
>> catastrophic matters. I cannot come under my parent's coverage(as they
>> are
>> self-employed so have to get their own). I can work for some
>> place(WalMart,
>> McDonald) full time to get coverage, but I would rather spend all my time
>> searching for jobs than working at those places just for the sake of
>> health
>> insurance. Working full time at one job will reduce the available time to
>> job searching.
>>
>> I have browsed the web and talked to a few agents, but the more agents I
>> talk to the more confused I become as to which plan to choose. Some offer
>> a
>> premium of 100/month and some as low as 30/month(which have a high
>> deductible of 2500 and which cannot be considered credible coverage) if I
>> get a position(as told by the plan agent).
>>
>> Is it better to get a premium of 100/month or the one with 30/month would
>> be fine? I generally visit the doctor once a year, don't have glasses.
>>
>> I would appreciate any advice and I am presently in Florida, U.S.
> Our oldest son got Catastrophic coverage a few years ago. He was working
> summers at a Camp, and the chance of him being hurt were higher than
> normal. He bought his through State Farm. I think he bought it for 4
> months at a time, and it cost about $60 a month. It didn't cover doctor
> visits or smaller expenses, but had he been hospitalized, it would have
> kicked in if the bills ran over $1500 or so. Thankfully, he never needed
> it, but it was nice to know he was covered if he had gotten hurt. One
> trip to the emergency room can easily run well over $2k.
Best succinct advice I've seen on this thread. Not that the OP is likely to
face something like I have in my mid-50s unless he has an accident, but my
hip replacement last year cost upwards of $30K. And that was with the bills
"adjusted" by the insurance carrier.
Posted by P on January 14, 2008, 11:55 pm
On Mon, 14 Jan 2008 08:36:33 -0500, Melissa wrote:
> Our oldest son got Catastrophic coverage a few years ago. He was working
> summers at a Camp, and the chance of him being hurt were higher than normal.
> He bought his through State Farm. I think he bought it for 4 months at a
> time, and it cost about $60 a month. It didn't cover doctor visits or
> smaller expenses, but had he been hospitalized, it would have kicked in if
> the bills ran over $1500 or so. Thankfully, he never needed it, but it was
> nice to know he was covered if he had gotten hurt. One trip to the
> emergency room can easily run well over $2k.
>
> Melissa
Thanks. I will look into State Farm.
Posted by Rob Mitchell #14 and Home Offi on January 24, 2008, 12:14 am
> I have just graduated, am 24 yrs old with a Body Mass Index of 20,
nohealthissues. I have started looking for full time jobs, but until I get
> coverage through my employer I want to have some sort of coverage for
> catastrophic matters. I cannot come under my parent's coverage(as they are
> self-employed so have to get their own). I can work for some place(WalMart,
> McDonald) full time to get coverage, but I would rather spend all my time
> searching for jobs than working at those places just for the sake
ofhealthinsurance. Working full time at one job will reduce the available time to
> job searching.
> I have browsed the web and talked to a few agents, but the more agents I
> talk to the more confused I become as to which plan to choose. Some offer a
> premium of 100/month and some as low as 30/month(which have a high
> deductible of 2500 and which cannot be considered credible coverage) if I
> get a position(as told by the plan agent).
> Is it better to get a premium of 100/month or the one with 30/month would
> be fine? I generally visit the doctor once a year, don't have glasses.
> I would appreciate any advice and I am presently in Florida, U.S.
I found some information from a website, WWW.gorillabill.com . They
help folks with issues with health care coverage.
Here is a link to their site: http://gorillabill.com/V14_SelectHome.asp
XML site map
>> health issues. I have started looking for full time jobs, but until I get
>> coverage through my employer I want to have some sort of coverage for
>> catastrophic matters. I cannot come under my parent's coverage(as they
>> are
>> self-employed so have to get their own). I can work for some
>> place(WalMart,
>> McDonald) full time to get coverage, but I would rather spend all my time
>> searching for jobs than working at those places just for the sake of
>> health
>> insurance. Working full time at one job will reduce the available time to
>> job searching.
>>
>> I have browsed the web and talked to a few agents, but the more agents I
>> talk to the more confused I become as to which plan to choose. Some offer
>> a
>> premium of 100/month and some as low as 30/month(which have a high
>> deductible of 2500 and which cannot be considered credible coverage) if I
>> get a position(as told by the plan agent).
>>
>> Is it better to get a premium of 100/month or the one with 30/month would
>> be fine? I generally visit the doctor once a year, don't have glasses.
>>
>> I would appreciate any advice and I am presently in Florida, U.S.
> Our oldest son got Catastrophic coverage a few years ago. He was working
> summers at a Camp, and the chance of him being hurt were higher than
> normal. He bought his through State Farm. I think he bought it for 4
> months at a time, and it cost about $60 a month. It didn't cover doctor
> visits or smaller expenses, but had he been hospitalized, it would have
> kicked in if the bills ran over $1500 or so. Thankfully, he never needed
> it, but it was nice to know he was covered if he had gotten hurt. One
> trip to the emergency room can easily run well over $2k.