Looking To Get Health Insurance

[ABM]

I'm 56, a non-smoker, in good shape, but have no health insurance. I'm now ready to bite the proverbial bullet.

All things considered, it appears my best value is a plan through LifeWise with a $7,500 deductible, and 30% co-insurance. It covers prescriptions. The monthly premium is $245. (a $5,000 deductible increases the premium to $378. Same 30% co-insurance). I can add dental for $46 if I want.

Does this seem typical?

Thanks for any input!

 

[Denny Crane]

$245 seems high and the 30% co-insurance seems high as well.

You should be able to find a $10,000 deductible

http://tightfistedmiser.com/2011/12/13/how-much-does-individual-health-insurance-cost/

This guy reports he pays less than $50/mo at age 44.

 

[ABM]

$245 seems high and the 30% co-insurance seems high as well.

You should be able to find a $10,000 deductible

http://tightfistedmiser.com/2011/12/13/how-much-does-individual-health-insurance-cost/

This guy reports he pays less than $50/mo at age 44.

Thanks, Denny. I'm gonna look into all of that, tonight. Not quite sure what a "temporary" policy is, though. That said, I received my quote through e-healthinsurance...the same place this guy was mentioning.

Thanks again.

 

[Denny Crane]

You can look into HSAs to supplement your insurance. These allow you to put money, pre-tax, into an account. When you visit the doctor, you use the ATM card associated with that account. If you rack up money in the account over the years, you can draw on it when you retire.

I think I remember reading that for a single person, the average health care policy costs under that $245. That's a full-blown policy. Age 56 probably matters quite a bit though.

I'm not a lawyer or tax accountant, so take my advice for what it's worth ($0!!!)

 

[BLAZINGGIANTS]

You should talk to an insurance broker. I know a few, if you're interested.

 

[Draco]

I had a 10k deductible policy when I was 25 and think it was only $40 a month or something ridiculous. I've had coverage through my job for awhile now.

I'd definetely look into HSA here is a good thread in another forum http://www.fatwallet.com/forums/finance/542257/

 

[Eastoff]

ABM, here is the Obamacare provided option:
http://www.oregon.gov/OHA/OPHP/omip/Pages/index.aspx

 

[ABM]

I'd definetely look into HSA...

Beautiful, I'm gonna do just that:

http://www.treasury.gov/resource-center/faqs/Taxes/Pages/Health-Savings-Accounts.aspx

Thanks!

 

[ABM]

ABM, here is the Obamacare provided option:
http://www.oregon.gov/OHA/OPHP/omip/Pages/index.aspx

I just downloaded the application. Choices, choices, and more choices!! :MARIS61:

Thanks!

 

[Eastoff]

I just downloaded the application. Choices, choices, and more choices!! :MARIS61:

Thanks!

Don't thank me, thank Gov Kitzhaber.

 

[ABM]

Don't thank me, thank Gov Kitzhaber.

I just saw the rates. Uhmmm....no thanks, Gov.

http://www.oregon.gov/oha/OPHP/OMIP/OMIP Docs/Rates_2013.pdf

 

[ABM]

You should talk to an insurance broker. I know a few, if you're interested.

Just called and left a message.

Thanks!

 

[BLAZINGGIANTS]

Just called and left a message.

Thanks!

Right on. I figure if nothing else, he can point you in the right direction. As a broker, he has access to many companies rates, so he can shop around.

 

[Eastoff]

I just saw the rates. Uhmmm....no thanks, Gov.

http://www.oregon.gov/oha/OPHP/OMIP/OMIP Docs/Rates_2013.pdf

Hahaha well I tried!

 

[BLAZINGGIANTS]

Hahaha well I tried!

And failed!

 

[Denny Crane]

The lesson in all of this is that ABM is shopping and driving down his own cost.

That's what's really broken in the health care system.

 

[Eastoff]

And failed!

Then lesson is son, never try.

 

[BLAZER PROPHET]

The lesson in all of this is that ABM is shopping and driving down his own cost.

He takes the same approach when looking for girl friends...

 

[ABM]

He takes the same approach when looking for girl friends...

By the way, thanks again for those recent lunches.

 

[The_Lillard_King]

So ABM, you should have a real intersting take on health insurance. You are 56, employed but without health insurance.

Do you find today's choices with health care satisfactory and/or are you at all bitter with how much you are going to have to pay or consider it just another cost of living expense? Did you ever consider not getting health care due to the cost? Do you think your employer should be responsible for this cost?

 

[EL PRESIDENTE]

KAISER PERMANENTE, SON.

 

[BLAZER PROPHET]

By the way, thanks again for those recent lunches.

Always willing to share a bit of my paltry paycheck to the disadvantaged.

 

[PapaG]

Kaiser Permanente has some very affordable individual plans, and won't really be affected much by the new healthcare law because of their non-profit status.

 

[PapaG]

KAISER PERMANENTE, SON.

Didn't see this post, but really, that is probably your best option with the current climate of insurance. It will be rolled into the federal plan, or so a "source" tells me.

PM me for more info, ABM or El Prez.

 

[ABM]

Didn't see this post, but really, that is probably your best option with the current climate of insurance. It will be rolled into the federal plan, or so a "source" tells me.

PM me for more info, ABM or El Prez.

I checked Kaiser's rates. A bit expensive for my current tastes.

I think I'm gonna find a semi-catastrophic policy to hold me over for 2013, then see what the deal is come next January.

 

[MickZagger]

Every women in my family works for Kaiser (almost). Its aiight. I'm a Blue Cross/Blue Shield kinda guy, after years of Kaiser. About to go back to Kaiser though. Easy when momz is friends with all the Dr.'s and don't have to wait.

 

[BLAZER PROPHET]

Ya know, ABM, you could get just get a real job that offers benefits.

 

[ABM]

Ya know, ABM, you could get just get a real job that offers benefits.

I enjoy my freedoms far too much, though.

 

[ABM]

You should talk to an insurance broker. I know a few, if you're interested.

Thanks! $289....5,000 deductible, 30% co-insurance....and NO co-pays!! Through Assurance.

 

[EL PRESIDENTE]

Every women in my family works for Kaiser (almost). Its aiight. I'm a Blue Cross/Blue Shield kinda guy, after years of Kaiser. About to go back to Kaiser though. Easy when momz is friends with all the Dr.'s and don't have to wait.

Yeah, my mom works there. I like how everything is in one center

{Poasted via palm pilot}