Thread: Health Insurance

Are you still in school and living with your parents?

Not in school anymore. Parents are covered by a state program which I was kicked off from when I turned 19.

If you went back to school, your parents could still cover you under their Health Insurance.

If you're not working....you cannot afford private health insurance. It's very expensive. Try calling your local jobs and family services agency. Maybe they can help. You may have to be a parent though in order to receive help from jobs and family services...not sure but well worth making the call to find out!

Not ready for grad school yet

I will call, thanks. My approach til this point has just been calling around to see which doctor charges the least, may have to keep doing that.

Let me know what you find out

You need to at least get catastrophic insurance ( so if you get into a bad car accident) the insurance will kick in after paying a 5,000$ deductible. (Remember, just one night in the intensive care unit is $10,000 dollars). https://www.ehealthinsurance.com/ehi...ontent%7ccopyF

I put in stats for a 21 yr old living in georgia and got monthly rates of $58.00 to $120.00

Bandaid that's pretty cheap......

There ya go Greeky!!!!!

It cost me over 200 a month for myself and my two kids and I work for a large municipality.

I pay $130.00 per month, plus an annual $250 deductable per person, and after that we're covered 80% for all medical, however dental is covered 100%, no deductable, up to $1200.00 annually.

I pay (through my employer) $150.00 monthly, co pays are $10 , Emergency visit $50........$500deduct for surgeries (one time fee though for family) After all deducts and or co-pays....90% is covered.

Robert - My dental is the same as yours. Children get free braces...pretty cool.

The problem is I live in New Jersey, we have extremely expensive rates.

what really sucks is that my rates and deductables keep increasing every year!

Originally Posted by greekblondechic

I am 21 (almost 22) and I have no health insurance whatsoever. Please help me find an affordable health insurance plan for a young female living in Central NJ until I find a full-time job with benefits. I have been without insurance for a while now, but there are some specialists and tests I would like to see and am wary of the out-of-pocket costs. Thanks everyone.

I used to have "right choice". It's a division of blue cross. I think I was paying $80-$100/month. I can't remember. I know it was under $100. It was good insurance. They have since stop covering my area. So, I now get insurance through work. I now have united health care. It's decent. It costs more. And, I think I have fewer benefits.

You should be able to get some quotes online, from various companies.

Good luck.

I pay 218.00 a month for Kaiser.

Did I see Babsie in here somewhere....? Where ya been hiding Babs...long time no talk.

FREE online insurance quote. Try checking out this site, might help you with your concern(
http://www.insurance-quote-free.com/chris
)I was amazed with the premiums I was quoted on. The entire quote was
automated, simple questions and straight forward answers.

Originally Posted by greekblondechic

I am 21 (almost 22) and I have no health insurance whatsoever. Please help me find an affordable health insurance plan for a young female living in Central NJ until I find a full-time job with benefits. I have been without insurance for a while now, but there are some specialists and tests I would like to see and am wary of the out-of-pocket costs. Thanks everyone.

Move to a Country that values all of its citizens like Canada.

And then wait 6 months for simple outpatient surgery and get addicted to pain killers while waiting

Socialist medicine is a joke, and in England where they have it, the private practices still thrive and people still fork out additional money on top of their already sky high taxes for health care because the government-provided care blows. It doesn't work. Move to Cuba comrade, you make me want to puke with your consistent bashing of America, you need a serious reality check. You're damn lucky to be here.

Originally Posted by brogers

And then wait 6 months for simple outpatient surgery and get addicted to pain killers while waiting

Socialist medicine is a joke, and in England where they have it, the private practices still thrive and people still fork out additional money on top of their already sky high taxes for health care because the government-provided care blows. It doesn't work. Move to Cuba comrade, you make me want to puke with your consistent bashing of America, you need a serious reality check. You're damn lucky to be here.

Once again you regurgitate the excrement your party leaders....
There as many countries with socialized medicine that works as well or better than private medicine ..........so keep on talking about the dictatorship not socialist Cuba dummy

It's a communist state, which is socialism, "dummy" nice try.

Please read up before you spew out all your misinformation.
Cuba is a socialist dictatorship.....very different from a Democratic socialist government.....my God your an idiot.

If you have a country wide health insurance plan then doctors have no incentive to work and get better. Why should any of them work hard and study any harder than anyone one else since they will all have to be paid the exact same? I don't know anyone that I have ever spoken to from Canada that like the health plan that they have. You wait forever just to see someone. Here, you can get an appointment right away (for the most part). Yes, you have to pay for what you want. But, like I said, without that Doctors would have no incentive to work harder. If you tear a muscle do you want to wait for 6 months to get it repaired by some quack? Or, would you rather pay extra and get the best guy in town to do it? I know I would rather pay to have my body pieced together properly.

I do think there has to be something done to help everyone out though. I just don't know what.

That whole universal healthcare thing won't work. For many reasons on top of the ones P-funk posted.

I don't think that universal health care precludes the private practice of medicine. In other words, the doctors are free to chase the almighty buck until they are blue in the face serving elite interests in private practice/clinics. That assumes that medical professionals are motivated solely by money alone...hard to explain those practitioners choosing to practice their skills in ghettos and 3rd world countries.

Whatever the case, I don't think that the salaried health professionals in these universal systems are quacks. I also don't think that this a question of economics and efficiency. It is a question of politics and private interests. Contrary to popular myth, the government can be quite efficient--administrative costs of SSI (insurance) is 1% of the budget--a like privatized bureacracy would have adminstrative costs of about 10-13% of the total budget. There's no reason to believe Universal Healthcare would be any different.

We'll never know though b/c the insurance lobby in this country will not permit universal care.

Incidentally, universal health care is more desirable as far as cost efficacy is concerned b/c preventative health care is cheaper than treating full blown untreated diseases.

more desirable as far as cost efficacy? You're on crack if you really believe that.

Originally Posted by brogers

more desirable as far as cost efficacy? You're on crack if you really believe that.

You really need to read a book

I think you will get some good doctors doing the universal thing, but I think a large majority of the "good" doctors would choose private practice, then you get all the belly-aching from the people not getting what they consider comparable care. Plus you get the poor folk who need doctors who are one of a handful who can perform a procedure and that Doc is not going to be subsidizing his work through the gov't. I would love for it to work, but I don't think it will.

Originally Posted by Robert DiMaggio

what really sucks is that my rates and deductables keep increasing every year!

This is a good thread topic. I read about this alot and a lot of my mates in the U.S. tell me they are getting increases every year.

The health care system is complicated - but one thing I do know - it is very screwed up, and no one is even attempting to fix it.

And GreekBlondChick is in a situation that many people are in.

Originally Posted by brogers

more desirable as far as cost efficacy? You're on crack if you really believe that.

Yes I am on crack.

And no, cost efficacy analysis is not a matter of inveterate belief, as is the case with your statement.

Depending on whose universal HC plan you look at, the costs will be different. But one thing you can be sure of is that the insurance companies that fund cost analysis studies come to conclusions favorable their own bottom lines and interests. Show me the cost efficacy of a private system where administrative costs/bureaucratic costs eat up much of the public's insurance dollar.

I mean from just a 'common sense' approach, don't you think that all the other industrial countries that have UHC understand the costs involved compared to privatized costs? Why is the US in the extreme super minority on this issue?...b/c the lobbyists wish the system to remain the same.