Has anyone bought private Health Ins??? Please help..

[Bernoull]

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For those who have researched or bought private health insurance, can you recommend affordable plans with good coverage; provide guidance/suggestions on things to consider and beware of when buying health insurance (hidden costs, catch-22s etc...)??

I'm looking for family health insurance because I'll quit my job soon... I'm interested in both short-term & traditional plans with low deductibles and pre-existing coverage. Also do you know of any consumer-friendly online resource/website that recommends health plans??

Any help will be appreciated.. (FYI, my school's insurance sucks so I have to get something from the market)


Thanks

 

[TheMightySmiter]

IT depends on the state, because they all have different insurance plans. The best-priced individual plans I know of are from Kaiser, but they are only available in a few states. More information here. http://www.kaiserinsuranceonline.com/quick_quote.shtml

 

[MilkmanAl]

My plan is through Assurant. It's not practical at all for regular doctor visits and typical health maintenance kind of stuff since there's a $1000 deductible and no prescription coverage, but it's dirt cheap at $50/month. Once the coverage kicks in, it's actually a pretty good plan. They pay 80% of everything until I've payed $3000 out-of-pocket and then cover everything after that. I mean, $3000 is a lot of money, but when you're looking at a bill 10 times that large, it doesn't sound so bad. If you're looking for something that's emergency coverage only, that'd be a good choice.

If you need a more complete plan, Kaiser tends to have really high customer satisfaction. My family has had fairly good luck with BCBS, too.

 

[armybound]

I used ehealthinsurance.com and bought Blue Cross/Blue Shield for ~$50/mo

 

[NotSur]

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[Bernoull]

Thanks to all of you, I live in florida. I've never heard of Kaiser down here, but I'll look it up!! I currently have BCBS through work and it's great. The best I've seen thus far that provide 80 coins, $1000 ded, script coverage will run me about $450/mo!!! (that for a couple (mid-twenties with no kids) 😡😡 It's crazy but I'll look into the link you guys suggested..