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Old 07-14-2012, 11:21 AM
 
130 posts, read 272,719 times
Reputation: 58

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My son recently moved to Denver and his employer's insurance coverage is not good. What company/plan can you recommend? I found United Health One plans for about $100/month. Looking for basic hospitalization with a 3-5,000 deductible.

Thanks,
Matt
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Old 07-14-2012, 12:33 PM
 
5,091 posts, read 13,169,575 times
Reputation: 6912
Quote:
Originally Posted by mrsuggestion View Post
My son recently moved to Denver and his employer's insurance coverage is not good. What company/plan can you recommend? I found United Health One plans for about $100/month. Looking for basic hospitalization with a 3-5,000 deductible.

Thanks,
Matt
It may be possible to enroll your child in your own plan as a dependent if your son is under 26. That provision of The Affordable Care Act is now in force.
Young Adult Coverage | HealthCare.gov

If you son is not able to go under your converage and seeks other coverage, be very certain that your son get a certificate of creditable coverage from his former insurance plan so that he can get continual coverage and not be denied for pre-existing condition under the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
Frequently Asked Questions about Portability of Health Coverage and HIPAA

Many of the provisions of this act will be superseded when provision of the Health Care Act goes in full force. The Issue of denial of Pre-existing coverage will disappear after 2014 when the Health Care Exchanges go into effect.

One of the largest healthcare insurance in this State is Kaiser Permanente. They do offer many types of plans that are affordable to individuals. Kaiser Permanente Individuals and Families I have had Kaiser for about 25 years in the 34 years I have lived here; with the different coverages I have had from individual, to group and now Medicare.

Note: I am giving this information to the OP because I am well versed in health insurance and I want to help. I do not want to start a discussion with people who do not agree with this Health Care initiative done by President Obama. This Act has been a law since 2010 and some provisions are now in effect which are helping, as in insuring your children. If you want to argue and debate go the Health Care forum and you can be heard; this is not the proper place.

Livecontent

Last edited by livecontent; 07-14-2012 at 12:55 PM..
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Old 07-14-2012, 11:27 PM
 
Location: Eastern Colorado
3,757 posts, read 4,401,645 times
Reputation: 4850
I was licensed in Health care for a few years only recently letting my license go so I have some knowledge in this matter.

With Insurance I would be careful on just buying based on price, from the sounds of it your son should be looking for a HSA program, United Health care does not have a very good reputation, with reason. spend a little time researching both united health care and golden rule, it may surprise you some of what you find.

Live content gives you some good advice, if he is young enough you should add him to your coverage. If he is older then 26, then he should get an HSA set up immediately. If you do not know an HSA is basically a major medical policy with a bank account where your son can put money into a savings account and deduct the deposits into the account from his taxes, everything he does not use will remain in the account much like an IRA, but he will have access to it if he ever has medical problems not covered under his policy or has prescriptions that are not covered under his policy.

One company I would call is health choice one, they are a growing insurance broker, and can help him find the best plan for him that he can afford, here is a link to their website.
Health Insurance, Medical Insurance, Life Insurance, National Health Insurance, Health Choices, Health Coverage, Free Quote, Health Quotes, Become An Agent - Health Choice One
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Old 07-15-2012, 07:43 AM
 
Location: Foot of the Rockies
84,985 posts, read 98,832,039 times
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I agree with the above advice, but I guess I would first ask, what about his employer-offered HI is "not good"? This is usually the least expensive form of insurance, with the fewest restrictions.
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Old 07-15-2012, 12:23 PM
 
130 posts, read 272,719 times
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Thank you for the great information. He will be 27 in a few months, so I can't cover him. His employer's policy is $150/month and only pays $2,000 per surgical procedure. Fortunately, he's healthy and has no pre-existing conditions. In using the broker you recommended, several companies come up: Assurant, Humana, Anthem, and Cigna. Any recommendations regarding these companies?

Thank you,
Matt
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Old 07-15-2012, 12:34 PM
 
20,310 posts, read 37,804,669 times
Reputation: 18087
I've done fine with anthem bc/bs.
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Old 07-15-2012, 09:09 PM
 
Location: Eastern Colorado
3,757 posts, read 4,401,645 times
Reputation: 4850
Quote:
Originally Posted by mrsuggestion View Post
Thank you for the great information. He will be 27 in a few months, so I can't cover him. His employer's policy is $150/month and only pays $2,000 per surgical procedure. Fortunately, he's healthy and has no pre-existing conditions. In using the broker you recommended, several companies come up: Assurant, Humana, Anthem, and Cigna. Any recommendations regarding these companies?

Thank you,
Matt
I have not actually sold insurance for almost a year, so I do not know exactly what the plans are, what they cover, and what the cost is. The best thing to do is to sit down and actually talk to a broker about what it is you guys are looking for out of a plan, the cost you can afford, and let them help you find the best plan at the best price for what you are looking for.
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Old 07-15-2012, 09:19 PM
 
5,091 posts, read 13,169,575 times
Reputation: 6912
I have found that you can go to the Plans websites and get a good amount of information. Particularly, I like to download The Evidence of Coverage (EOC) for the current year of the plan that you are seeking. So that you can go over a detail of that plan because the EOC is the contract of coverage that is offered to you. You will then not have to totally rely on the memory of a broker who may not be aware of every detail of the plans they sell.

Livecontent
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