Individual Medical Insurance

yearofthecockrecords asked:


My wife and I are moving soon from PHX, AZ to the greater Syracuse area. I am moving my multimedia business / record label (websites, print design, videography, DVD production and studio recording) and I need information on which companies can provide my family reasonable cost heath insurance. Right now my wife works fulltime so we use her benefits, but we will be starting a family and would like to keep her at home for a few years. In PHX, health insurance for non-group individuals runs about $300 a month – from what I can see in CNY it can cost closer to $1000! Can some one help me with this? Am I looking at the wrong companies or is it just that mush more expensive? Are any loop holes? In some states Students, Artist, Musicians & Small Business Owners can get highly discounted rates – is this true in CNY? Can anyone help? Thanks in advance!

Jon

nancie asked:


I am 60 yrs old and have high blood pressure. My spouse is 62 and smokes. Under COBRA, we would pay $836 a month for medical and dental. That coverage started in February but I have until May to decide if I want COBRA or not. At this point, if I choose COBRA, I have to pay for the months of February and March which have already passed. It’s a federal law which makes no sense. But anyway, that’s $1672 out the window. Am I better off using my money to get individual health insurance? My concern is that I don’t know how having high blood pressure and my spouse being a smoker will affect things. Also, I recently had some dental work done and told them they may have to file a claim through COBRA if I do get it. The billing lady told me that they have problems with billing to COBRA because it’s taking COBRA 60 to 90 days to pay a claim which will incur interest for the patient. Has anyone experienced this? I’m just so confused about all this. I’d appreciate any advice.

Miguel

Jaelyn Riley’s Mommy! asked:


i live in texas and i am just wondering about medical insurance. is there anything offered thats in between medicaid and individual insurance? like a low cost insurance that i can afford? my husband’s job does not offer benefits. if i dont have any options, he will just have to get a job with benefits, but there is no way i could afford health insurance. for the family it would be like 500 a month and thats not including the deductible and the coinsurance i would have to pay. it just seems so outrageous that there has to be something for the in between people. any suggestions would be greatly appreciated.
thanks everyone! my daughter is currently on medicaid because she has to have insurance. but i was on medicaid while i was pregnant for a short time and i HATED it. i was treated less than human. i would rather pay a ridiculous amount than go back to that. but you are right.. its fairly easy to qualify for medicaid in texas. while i am very thankful for being able to use medicaid for that short period of time, i would jump though hoops to avoid it.

Ryan

herewego asked:


Right now I’m a full time law student. I have major medical insurance but I haven’t been able to obtain dental or vision insurance because I am not employed. I live in Illinois.

Kim

*Bella* asked:


I live in Alabama, and I’m a healthy 21 year old with no medical history.One plan is from Humana One wich will be $43.00 a month.The other is from Golden Rule wich will be $137.00 a month. Anyone that has experience with these company’s please let me know about your experiences with them. Thanks!!!

Fred

Jackie S asked:


We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband’s employer, I stopped reimbursing myself.
He is paid for by the company, and then it costs extra to add myself and our child.

I was just going to deduct health insurance premiums on our Sch A, but we don’t have enough other medical expenses to meet the limit.

Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.

Jerry

lakeesha asked:


We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband’s employer, I stopped reimbursing myself.
He is paid for by the company, and then it costs extra to add myself and our child.

I was just going to deduct health insurance premiums on our Sch A, but we don’t have enough other medical expenses to meet the limit.

Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.

Jeff

JAN asked:


I was hurt on the job and made a report of injury. My regular insurance covered the costs except my co-pays, and I did tell them this was a work related injury. Now the workers compensation insurance company has offered to pay all outstanding medical bills, which would be the co-pays. Would this be legal? I know all medical cost where from my work related injury and they went well over a hundred thousand dollars. This seems like fraud against my regular insurance carrier.

Franklin

teodor d asked:


Can someone have enough money in your opinion to pay for medical problems as they show up if they have an individual insurance? Personally I consider myself a reasonably healthy individual. I just got my first insurance policy(came off of my parents) and got hit with an exclusion for just going to do some preventive healthcare. I was feeling stiff so I went in for a back adjustment. No permanent condition no nothing just preventive so I don’t get something else.
In the near future, when I actually finish college and get a degree, I’m looking at getting a job that pays starting salary 40,000 -45,000 a year in a city where prices are about national average. I would say that what I would make would probably be average nationwide for a location that has average costs of living. For a fact I know that most insurance plans for group coverage I would get would be worse than my current plan(maybe a lot worse).
How could someone like me afford to pay for ALL health insurance problems as they show up? I am just scared thinking that some very simple procedures can cost in the $10,000’s range or more. Couple that with the fact that insurances will exclude anything they legally can is a nightmare to think about.
The big deal is in the fact that most group policies even if they will include preexisting conditions have coverages that are horrible if you have large expenses. Also most group policy’s are PPO’s Or HMO’s both of which are not what you should have. No one nowadays seems to have a full indemnity as a group plan. The bigger deal also is that these plans doctors are known for doing everything to cut costs and are rated by their insurance policies on how well they do that. That’s why I absolutely will go with indemnity every time.
Last but not least even though these group will likely cover preexisting conditions the coverage rates they have are bad to worse. Many have a 2000$ deductible or more as well as large copays on everything 20-30-40%. If you had a 200,000$ health bill and you pay 20% thats how much you make in a whole year.
So, yeah that’s the big deal of How can someone afford to fix their health problems as they come up. To me it looks like you can’t.
The only better PPO was the one I was on from my parents policy. They paid for medical dental(small annual cap of $2000 only) and vision $900+ per person per month. That plan still offered only 70% reimbursement in hospital expenses and no out of pocket cap to you as a insured.

Lydia

sweetnbitter asked:


Could something really be done?

I work at a company dealing with retirees dealing with premium increases ranging from $200-$800+ monthly. These people have a limited income some even are even paying for Medicare. They are canceling their insurance because they have to choose between health insurance or mortgage or health insurance or groceries.

And this is group insurance through their previous employers. I can’t even imagine the cost for individual insurance. Existing medical conditions doesn’t help either.

Vera