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Thread: Health insurance

  1. #1
    Folding with AMD POWER Loonatic's Avatar
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    Health insurance

    Im kinda in a predicament here. My health insurance after this year is going to end with my parents thru BC/BS.

    Im 21 and never had to deal with insurance before since its something my parents always took care of. What are my options if my work doesnt offer insurance to me?
    Pain is weakness leaving the body.

  2. #2
    R.I.P. 2013-11-22 blebs's Avatar
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    None really. You'd have to get a plan on your own and I can tell you right now, it's cost prohibitive.

    It's sad that it is this way in America, but it is.
    Success is a lousy teacher. It seduces people into thinking they can't lose. -Bill Gates

  3. #3
    Tortoises R0cks :D Rivas's Avatar
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    In Canada ...medical health care (doctors, surgeries etc etc etc) is 50 bucks/person a month (also depends on province some provinces got it for free)....but you have to pay for prescriptions.Extended medical health care is around $30-60 (depends on employment) and then you dont have to pay for prescriptions at all (comes handy if you are really sick ...example people with diabettes type 1.)
    Some employers are paying for both health cares ....but the first one you have to pay no matter what.
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  4. #4
    Moderator YeOldeStonecat's Avatar
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    Talk to a few insurance reps, there are quite a few plans out there targeting the young and single age bracket, if you are healthy..what you'll want is a "catastrophic" plan, with high deductables, to keep things affordable. "Golden Rule" was a company that was a big player in this market back when I was your age..dunno if they're still around.
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  5. #5
    Certified SG Addict Brent's Avatar
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    You will have to buy a plan on your own. I pay $90 a month for my coverage since I am self employed.

    Start researching different plans, see what you need and figure out how much you are willing to spend.
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  6. #6
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    Stick with bc/bs. They have a plan for people like you and me called right choice I think.

    No annual deductible and a $40 fee to go to in network docs and a %40 fee to go to someone else.

    Plan is 80ish a month.

  7. #7
    TypicalWhitePerson JC's Avatar
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    Quote Originally Posted by blebs99 View Post

    It's sad that it is this way in America, but it is.
    HUH, Sad that it's this way??? I don't understand
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  8. #8
    TypicalWhitePerson JC's Avatar
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    Quote Originally Posted by Rivas View Post
    In Canada ...medical health care (doctors, surgeries etc etc etc) is 50 bucks/person a month (also depends on province some provinces got it for free)....but you have to pay for prescriptions.Extended medical health care is around $30-60 (depends on employment) and then you dont have to pay for prescriptions at all (comes handy if you are really sick ...example people with diabettes type 1.)
    Some employers are paying for both health cares ....but the first one you have to pay no matter what.
    How long does it take to be seen? What's the wait if you need surgery???
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  9. #9
    ♫♪ ♫♪ ♫♪ ♫♪ downhill's Avatar
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    Quote Originally Posted by JC View Post
    HUH, Sad that it's this way??? I don't understand
    It's pretty simple, really. The best doctors and clinics in the world but have you really looked to see just how good our health care is for the average citizen? It's terrible. Why?

    You can start by looking how things started changing back in the Nixon era.

    It's a lot more complicated than just to point a finger and say that the AMA and the pharmaceuticals are in bed together but hey...


    Of course it's a business but it shouldn't be run like Enron. We aren't talking about a commodity here.

  10. #10
    SG DC Team Member Paft's Avatar
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    Depends on how much money you make. I choose not to carry health insurance (thus leaving my medical care on the taxpayer's back should I need emergency room assistance, but hey, we can't have universal health care or anything now can we) because the cost is prohibitive and I work a job that doesn't offer it to anyone below a manager. Even at the manager level, the cost is still quite high and I may elect not to carry it at that point unless the cost drops.

    You're young - right now, barring needing medications on a regular basis - you should be able to fly fine without any health insurance.

  11. #11
    Tortoises R0cks :D Rivas's Avatar
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    Quote Originally Posted by JC View Post
    How long does it take to be seen? What's the wait if you need surgery???
    Regular/Family doctor? Right a way, if you are special case they will send you to specialist 5-14 business days for appoitment, surgery ...depends what kind of surgery (what is your age, what other illnesses you have etc), if it's life threateaning right a way otherwise 1-2 months.
    And you dont pay a single dollar, everything is covered in your health insurance.

    In hospital private room is $50-100 bucks/night, regular room free of course, I have been in regular room and I cant complain, glad I didnt pay for private room otherwise I would go crazy.
    And all the medications what you are getting in hospital are free.Only when you are walking out with prescription you have to pay $$.
    To be human is to choose.


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  12. #12
    R.I.P. 2013-11-22 blebs's Avatar
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    I hope some of these guys are right. I really don't think you'll touch anything for much less then $800 to $1600 per month. It's friggin ridiculous unless your a member of group insurance and even then, it's expensive.
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  13. #13
    TypicalWhitePerson JC's Avatar
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    I'm all for government health care.
    As long as I don't have to particapte in it, or pay for anyone else. I'll continue taking care of it on my own.
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  14. #14
    TypicalWhitePerson JC's Avatar
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    Quote Originally Posted by Rivas View Post
    Regular/Family doctor? Right a way, if you are special case they will send you to specialist 5-14 business days for appoitment, surgery ...depends what kind of surgery (what is your age, what other illnesses you have etc), if it's life threateaning right a way otherwise 1-2 months.
    And you dont pay a single dollar, everything is covered in your health insurance.

    In hospital private room is $50-100 bucks/night, regular room free of course, I have been in regular room and I cant complain, glad I didnt pay for private room otherwise I would go crazy.
    And all the medications what you are getting in hospital are free.Only when you are walking out with prescription you have to pay $$.
    Aren't you, in canada taxed to death??
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  15. #15
    Resident Atheist Dan's Avatar
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    Quote Originally Posted by blebs99 View Post
    I hope some of these guys are right. I really don't think you'll touch anything for much less then $800 to $1600 per month. It's friggin ridiculous unless your a member of group insurance and even then, it's expensive.
    ya,my employer pays for me,but for my wife and my 2 kids I pay $500 a month

    thats with a small company and Pacific Care

    but I agree,on your own with no group discounts,it's crazy expensive.

    not that $500 a month is easy!

  16. #16
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    Well, you are in michigan, which helps a little. God forbid you should live in New York or New Jersey.

    Did you go to college? Your alumni association may be a source. Let me know the school and I can check for you.

  17. #17
    Quote Originally Posted by Kip Patterson View Post
    Well, you are in michigan, which helps a little. God forbid you should live in New York or New Jersey.

    Did you go to college? Your alumni association may be a source. Let me know the school and I can check for you.
    Kip is right. New York and Jersey would kick your butt with health insurance costs.

    I would not take a chance going without insurance. Being young and healthy doesn't mean anything. You never know when you could sustain some sort of injury which would require hospitalization. It could happen to anyone.

    I don't know anything about insurance in your state. Good luck on your search.

  18. #18
    TypicalWhitePerson JC's Avatar
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    Quote Originally Posted by downhill View Post
    It's pretty simple, really. The best doctors and clinics in the world but have you really looked to see just how good our health care is for the average citizen? It's terrible. Why?

    You can start by looking how things started changing back in the Nixon era.

    It's a lot more complicated than just to point a finger and say that the AMA and the pharmaceuticals are in bed together but hey...


    Of course it's a business but it shouldn't be run like Enron. We aren't talking about a commodity here.
    I don't know how valid any of your points are. Anyway I don't think It's terrible for average people. It may not be perfect, but what we don't need is socialized medicine!
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  19. #19
    Second Most EVIL YARDofSTUF's Avatar
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    Quote Originally Posted by JC View Post
    I'm all for government health care.
    As long as I don't have to particapte in it, or pay for anyone else. I'll continue taking care of it on my own.
    What about a more open market kinda health care, where health inurance companies competed against each other for business like the car insurance companies?

  20. #20
    TypicalWhitePerson JC's Avatar
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    Quote Originally Posted by YARDofSTUF View Post
    What about a more open market kinda health care, where health inurance companies competed against each other for business like the car insurance companies?
    It should be that way. If your employer purchases you a health insurance policy, he gets to write off the cost.. What if you buy it on your own. Just guess what kinda deduct you get ZERO!
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