What is the cheapest way to get individual medical insurance?
I need to find insurance for a young adult who has had medical issues, but does not have coverage in her current job. Blue Cross wants $18,000 a year. There has got to be something out there that is designed to cover private individuals that a person can afford: I know it won’t be cheap, but there should be something do-able.
Related Items
- What are the guidelines for pre-existing medical conditions and changing medical insurance?
I have a friend who's 16 year old daughter was just diagnosed with arthritis. She has to receive very expensive shots to eleviate the inflimation in ... - Domino’s Pizza UK offer medical insurance?
I'm looking for a job but need medical insurance. Does anybody work at Domino's and can tell me if they offer anything? ... - Where can I find a cheap short term individual health insurance plan, California/New York?
Hi, I have dual citizenship, US and UK but I'm British and live in the UK. I'm going to move to the US temporarily, and spend some time in California ... - Question from the UK for American citizens who have medical insurance.?
What is the cost of medical insurance per adult if you live in the USA. My son will be going to live in the USA within the next few months (Calaforni... - Does anyone know what basic medical insurance covers in Dubai?
My husband is one step away from being offered a job in Dubai and part of the benefit is "basic medical insurance". Does anyone knows what this cove... - Pregnant – need C.O.C.C letter from the NHS to prove Coverage in USA for medical insurance?
I am British and married to an US citizen. We are living in London since March 2007 and my wife has a spousal visa. She is now pregnant (12 weeks) and... - Travel Insurance – do you have to declare medical conditions which arise AFTER you’ve booked your holiday?
We've declared our pre-existing conditions, but 3 members of the family have since been referred to hospital for tests. Only one is travelling, but we... - Do I need health insurance to register with a doctor in Amsterdam?
Hi As I don't have a job yet and can't afford Medical Insurance, is it possible to register? I need to arrange to have a Cervical Smear test which I... - A dodgy medical insurance question (UK)?
I need an op for something that's not deemed "urgent" (except by me!) and so i'm on a lengthy waiting list. Will cost around £3000 privately which i ... - what do people do about the medical insurance when changing jobs?
I'm going to start my new job soon and my last day of employment is next week. HR told me that my medical insurance will be terminated on my last day.... - Can you obtain medical insurance coverage that only covers prescription drugs?
I need medical insurance as I cannot afford to keep paying for my prescription drugs out of pocket. Are there any kind of insurance companies that off... - Can I use my medical insurance coverage on somebody else besides me?
I got a medical plan coverage but my mom doesn't. I was wondering if I can use my coverage to get her some prescription drugs. She used to have medica... - Can my family lose medical insurance through the government if my husband cashes out his pension?
My husband lost his job and we're down to nothing. I know it isn't a good idea to cash out a pension but we have to feed the kids somehow. We've tho... - What are some reasons why Americans do not purchase medical insurance other than the cost?
Lets face it, medical insurance is expensive and is the number one reason why most Americans cannot afford health care coverage. While many employees ... - What sort of health insurance options does a single woman have who lives on her own and works at the gap?
I get worried about my girlfriend because she doesn't have health insurance. I am insured through my job, what are her options? Is there something she...
August 14th, 2010 at 4:00 pm
There are other companies out there, Fortis, Humana, United Health Care, Unicare
Find a brokerage that deals with many health insurance companies so you could compare different companies in one place.
August 14th, 2010 at 4:36 pm
OK at 18,000 per yr you are talking 1,500 per month and I find that a little hard to believe. All individual health coverage is very expensive, add to that a medical condition and it’s even worse. Affordable isn’t even a word to be associated with health insurance. You need to talk to a good agent that has access to multiple providers to see what they can put together for you. You will no doubt need to go very high on the deductible which might be as bad as no insurance. The other option is for this individual to get a job that offers a plan.
August 14th, 2010 at 5:01 pm
you can do a search on line, alot of the companies will email or call you pretty quickly. i just did this myself recently. i spoke to alot of companies, can’t remember any one in paticular, but everyone i spoke to was very helpful
August 14th, 2010 at 5:30 pm
If this individual only needs temporary insurance until he/she has coverage at their place of employment, temporary insurance is much more affordable as opposed to a private policy. It is scrictly temporary and I believe the maximum time you can be on it is 6 months to a year, depending on the company. I was on Fortis when I graduated college…cost around $60/mo. 6 years ago. Was worth every penny as I was hospitalized during that time.
If she is looking for a “catastrophic” policy, these policies pretty much only cover hospitalization and with a very large deductiable. For example, for around $350/mo a catastrophic policy will cover hospitalization with a deductible around $3000-$5000…outpatient doctors visits and procedures are typically not covered. However, there is no time limit to these policies.
Hopefully, this individual only needs temporary coverage.
August 14th, 2010 at 6:25 pm
It depends on what state you are in and what condition this “young adult” may have. Certain states such as Maryland and Washington have laws against charging more for “pre-existing conditions.” Also, check into nonprofits that may have better insight in your area on plans that may “cater” to this condition. I would also recommend a great book that breaks down these programs and suggests simple tips on saving money in healthcare and how to choose the correct insurance for yourself called “Healthcare for Less,” by Michelle Katz. I bought my book at Barnes and Noble, by I heard it is even less expensive through her website http://www.healthcareforless.us (I think that is a direct link to her book on Amazon.com). I hope that helps!
August 14th, 2010 at 7:11 pm
I had to get insurance and I found the best way to get cheap prices is to look for quotes on the internet. I went here for myself: http://www.ucomparehealthcare.com/insurance/ Good luck with your search. Hope this helps.
August 2nd, 2013 at 7:49 pm
I love reading a post that will make men
and women think. Also, thank you for permitting me to comment!