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Discussion Starter · #1 ·
I am currently unemployed and I am trying to find some short term health insurance to cover me until I find a job. Does anyone have any experience with this?? Where did you find the insurance company?? What is a reasonable amount to pay for the policy?? I am quite stupid in the ways of insurance so this is a pretty daunting task for me. Thanks.
 

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Almost every major provider offers some form of insurance for single individuals (not single meaning marital status, just single without a group provider like in a corporation). They are generally rather expensive, but if you call a variety of companies like Pacific Care, Kaiserit to you and you can make an informed choice about your personal needs.<br><br><br><br>
Think about how much choice in doctors you wish to have, how much coverage for emergencies you want, etc.<br><br><br><br>
If you are a woman and in good health and willing to take a bit of a risk when it comes to emergency coverage, you might be able to completely forgo health insurance and rely on your local planned parenthood for your medical needs. They offer a huge range of reproductive services, but they also help with general illness too. All services are free or available for a small fee. Donations, of course, are always accepted.<br><br><br><br>
For many years I didn't have any health insurance (Go USA!) and relied on Planned Parenthood for assistance. They were very good.
 

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Check out this website. I just got insurance off of it. It does take about a month for it to actually become effective.<br><br><br><br><a href="http://www.ehealthinsurance.com" target="_blank">http://www.ehealthinsurance.com</a><br><br><br><br>
It will list the policies you qualify for and tell you what kind of coverage you'll be getting for your money. Watch out for deductibles.
 

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For how long do you think you need insurance?<br><br><br><br>
If you had insurance at your old job, and you were laid off, you may be able to get COBRA. There is a law that allows you to stay under your old employers health insurance for a while if you lose it under certain circumstances. Except if your employer was paying part of your premiums before, you now have to pay the full premium. I don't know all of the details, but here is the link:<br><br><br><br><a href="http://www.cobrainsurance.com/" target="_blank">http://www.cobrainsurance.com/</a>
 

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Looking at your age, and depending on how solvent you are currently, I would recommend going with a high deductible policy.<br><br><br><br>
If you can self-insure the minor things (doctor visits, prescriptions, etc, - usually in the <$400 range), you are better off to go with what is essentially cuatostrophic coverage. If anything major happens, you have coverage, and your premiums are much lower. The co-pay is the kicker - check what the limits are, and if there is a threshold over which the co-pay no longer applies (the term for that escapes me).<br><br><br><br>
I am licensed to sell medical insurance in my state, but I never deal in it. Damn, I'm gonna have to brush up on my material on that topic again.
 

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If she only wants it for a few months, wouldn't it be a lot cheaper to not have a deductible? What would you consider a high deductible?
 

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I agree with tame. A high deductable policy is way cheaper, and premiums for health insurance with a low deductable are hundreds of dollars a month. I doubt she has more than that in medical expensive each month, but yet she needs protection in say, the event of a car accident, forbid it from happening.
 

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I was just considering what I pay ($139/mo, no deductible, HMO) to a plan with a high deductible - for example, $2500 deductible and say $35 a month.
 

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<div class="quote-container"><span>Quote:</span>
<div class="quote-block"><i>Originally posted by lucycat</i><br><br><b>I was just considering what I pay ($139/mo, no deductible, HMO) to a plan with a high deductible - for example, $2500 deductible and say $35 a month.</b></div>
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Is your plan through an employer or group?<br><br><br><br>
Individual plans with no/low deductibles typically run $300+/month, depending upon age and health. A low end-plan, maybe $225 if you are lucky.<br><br><br><br>
The average group plan through an emplyer for a PPO or HMO runs in the $250 range.
 

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My bro just picked up a plan for self-insurance that has a $1500 ded. and includes some prescrip. and dental bennies. I think it runs him somewhere around $120 a month. There are decent and affordable plans out there.<br><br><br><br>
I agree with Tame and Thalia also. You really want coverage for major emergencies, just in case, so you don't end up in bankruptcy over an unplanned hospital visit.
 

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If you can't COBRA (which is amazingly expensive...I paid COBRA for one month between getting kicked off my parents' policy and starting my own at work, and it cost nearly $400 for medical and dental), then get a high deductible individual policy.<br><br><br><br>
You really want coverage for catastrophic things - medical bills can really pile up even for a minor injury. Almost 4 years ago, I went to the ER via ambulance to get 30 sutures in my head...the ambulance alone was $700. The insurance co. tried to refuse to pay it, claiming that a friend could have driven me the 20 minutes to the closest hospital while I bled profusely and slipped in and out of consciousness. <img alt="" class="inlineimg" src="/images/smilies/rolleyes.gif" style="border:0px solid;" title=":rolleyes:">
 

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I was on COBRA paying about $250 a month for health insurance, but that ran out so I purchased some through that website I mentioned above. It's through the same company and it's still decent coverage.
 

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Discussion Starter · #14 ·
Thanks for all of the great advice everyone. my previous employer did not offer cobra because it was under 25 people. Plus I had heard that it was quite expensive. I went ahead and purchased a short term policy with a high deductable to cover me in case of major accident or illness. Hopefully I will have a job soon (fingers crossed) and can get regular insurance through that. Thanks again.
 

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I hate the insurance companies. What a scam and a crock-o'-sh*t. If this (usa) was any country at all, we'd have federalized health care. You pay thousands of dollars a year, then when something happens to you, the insurance companies don't wanna pay it. You have to fight and fight to get everything taken care of. Scam.<br><br><br><br>
That said, if you plan on going with a $2500 deductable, you'd better be willing to get a loan or drain your savings if you need to go to the hospital, cause that's a hefty chunk of change. You never know when you're gonna slip and fall down some steps or get hit by a drunk driver, then you're out $2500, plus what ever you're paying per month to the insurance companies.<br><br><br><br>
I would say if you're only looking for coverage for a few months, try to find the cheapest plan you can--catastrophie ins. is somewhat reasonable.
 

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I have used an alternative to insurance which gives you discounted rates on doctor's bills and more, it is cheaper than insurance and has worked for me for several years. <a href="http://www.careentree.com" target="_blank">www.careentree.com</a>
 

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<div class="quote-container"><span>Quote:</span>
<div class="quote-block"><i>Originally posted by jwnyc</i><br><br><b>I hate the insurance companies. What a scam and a crock-o'-sh*t. If this (usa) was any country at all, we'd have federalized health care. You pay thousands of dollars a year, then when something happens to you, the insurance companies don't wanna pay it. You have to fight and fight to get everything taken care of. Scam.<br><br><br><br>
That said, if you plan on going with a $2500 deductable, you'd better be willing to get a loan or drain your savings if you need to go to the hospital, cause that's a hefty chunk of change. You never know when you're gonna slip and fall down some steps or get hit by a drunk driver, then you're out $2500, plus what ever you're paying per month to the insurance companies.<br><br><br><br></b></div>
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I personally don't want federalized care. I like my current insurance, and I like having the power of a consumer - I can go elsewhere if I am treated poorly. Of course, I have not had any problems with claims...<br><br><br><br>
High deductible plans are used when you are self-insuring yourself to a degree. You are gambling that you won't need the coverage, so you keep your payment lower.<br><br>
Oh, if you get hit by a drunk driver, either his car insurance or yours will most likely cover the damages. Always, and I stress always, carry the medical coverage on your car insurance. The cost is minimal, and it can ease some headaches if the other driver's insurance refuses to pay up. Your company will pay the medical claims, and then subrogate against the other company. Makes your life simpler.
 
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