Can someone help me with health insurance?

Question

I guess I really don't know how it all works really. I'm 23 and have some pretty serious health issues (heart problems) that I really need to check up on soon. My employer doesn't offer insurance and I can only afford to spend maybe $100 per month on insurance. I'm not sure how the whole deductible thing works. I'm looking online and seeing deductibles from $500 - $7500 and it seems to indicate that you have to meet that before they'll cover anything.I can't wait 5 - 75 months for treatment. I should have gotten my heart checkup a long time ago and it's gotten worse. I just don't really know how to proceed or what my options are. Also, I can't afford to pay like 20% or more of the cost (that's the coinsurance right?) because the procedures I need will be costly.

Answer 1

What you're looking for doesn't exist.



IF you were in perfect health, with no preexisting conditions, you *might* be able to find a health insurance policy for $100 a month, at 23, with NO maternity benefits, and a $5000 deductible (which means, you pay the first $5K of medical bills every year).



20% coinsurance, is NORMAL. Most people have 20% or 30% coinsurance.



Plus, not all companies write coverage in all states.



You need to talk to someone LOCAL with experience - a LOCAL health insurance broker. He'll know which state you live in, what the state laws are (ie, do they HAVE to accept you at a higher rate, or can they flat out decline to take you?), and give you an idea what a REALISTIC price is going to be for your insurance.



In MOST states, you'd flat out be declined for coverage, or have the heart condition EXCLUDED from coverage, and STILL end up paying $300 a month or more for your coverage.



Your BEST BEST bet, is going to be looking for another job - yes, in this economy - because a group plan through your employer, is probably going to be the only thing you can afford.



So, look up a local agent. You can find one by zip code, at www.iiaba.net

Answer 2

Deductibles of $500-$700 is very cheap. You have to pay your share of the cost which is around 20%. That is how insurance works. If you don't want to do this, I suggest going to a clinic operated by the county or private non profit agency which will charge you only based on your income. Some clinics are inside hospitals. Outpatient clinics, I mean. Find an urgent care clinic if you can. You have to call around to find them. All insurance plans have a waiting period. It will get better in 4 years with the new health care bill where insurance will be required and you can have either a subsidy or tax credit to offset the cost.



Dont look online for insurance information. Use the phone, call a local independent agent who knows what policies and plans are available and will work best for you.

Answer 3

A preexisting condition is going to make it more difficult to get insurance. You need the help of a professional agent to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant.



Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and your health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations).

Answer 4

It would probably cost less to pay cash to the doctor for treatment.. You probably won't be able to have the pre-existing heart condition covered. If you somehow did, you would be responsible to pay for 100% of the deductible amount before the insurance would pay anything. THEN, you would pay the percentage. Try medicaid. Or call your cardiololgist. They may be able to suggest community resources, or have financing, etc.

Answer 5

Insurance for someone with serious heart problems is not available for anything under $200 per month in any state, and not for anything under $1000 per month in most states. Look for another employer or a government program.

Answer 6

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Answer 7

Actually the web sites you're looking at will do you NO good. You don't qualify for ANY of those plans. You need to contact your state about a high risk plan.