[thepannarales]

Hi,

I'm relocating to Florida and I need healthcare advice.

I need to purchase a healthplan for our family of three (my husband, myself and my 2 year old daughter).

As I know nothing about this any advice, input, etc. is all useful.

I need something comprehensive including hospital coverage, doctor exams, treatment, illness, etc.

Are there certain companies better then others.

What is the average cost of coverage?

Thanks

[SouthernBelle3]

If you have no preexisting medical conditions, you should be able to get medical insurance, but expect to pay a bundle. It runs between 600-1000 for a family plan. There are HMO's and PPO's. Blue Cross and Blue Shield, United Healthcare, AvMEd are a few of the reputable healthcare companies. You should probably do an internet search. And most if not all policies have copay's and deductibles that range from a few hundred to several thousand dollars annually.

[wacahootaman]

Unless you are rich get a government job.

Then you will have most of your health insurance paid by the government.

And dont worry about the government tightening their belt and reducing spending either. It will never happen.

The City of Ocala made a great hoopla about their cutting back expenses to help save the struggling tax payer some money.

They raised their health premiums for city workers from zero to 25 dollars a month!

Plus, if you get a govt job you will never get laid off like happens every day in the private sector.

And your paycheck comes from tax dollars. And there is plenty more where they come from.

[daniellefort]

we pay $650 a month for the family plan being just me, my husband and daughter through my husbands work with BCBS with a $2500 deductible. Each year the premiums go up but this year they raised the deductible from $500 to $2500 a year instead of raising the premiums.

[deckardc]

Originally Posted by daniellefort

we pay $650 a month for the family plan being just me, my husband and daughter through my husbands work with BCBS with a $2500 deductible. Each year the premiums go up but this year they raised the deductible from $500 to $2500 a year instead of raising the premiums.

Aaaaaaaahhhhh!!! A $2500 deductible! Is that a family deductible or individual? Yuck! Your husband works for BCBS and that's the lousy deductible they give their own employees?

I used to work for a company in FL that used BCBS of Alabama and we had great coverage through them. We certainly didn't have an ugly deductible like that. We currently have a $300 individual deductible and a $600 family deductible. I guess I won't gripe about it anymore.

To the original poster - will you be working in Florida? If so, they might provide health insurance for the employed and you will have to pay extra for a family policy. It's cheaper if you are in with a group. The bigger the group, the less you pay. I've never worked for a company that didn't provide health coverage but I understand a lot of companies are starting to drop it. There are a lot of Americans who have no health coverage because it is so ridiculously expensive in the US.

[daniellefort]

Originally Posted by deckardc

Aaaaaaaahhhhh!!! A $2500 deductible! Is that a family deductible or individual? Yuck! Your husband works for BCBS and that's the lousy deductible they give their own employees?

I used to work for a company in FL that used BCBS of Alabama and we had great coverage through them. We certainly didn't have an ugly deductible like that. We currently have a $300 individual deductible and a $600 family deductible. I guess I won't gripe about it anymore.

To the original poster - will you be working in Florida? If so, they might provide health insurance for the employed and you will have to pay extra for a family policy. It's cheaper if you are in with a group. The bigger the group, the less you pay. I've never worked for a company that didn't provide health coverage but I understand a lot of companies are starting to drop it. There are a lot of Americans who have no health coverage because it is so ridiculously expensive in the US.

I didn't mean he works for BCBS but that's the company we have the insurance with. Actually it's a family deductible and what really shocked us is his employer gave each employee a debit card to match their deductible to cover the ded for the year which is almost unheard of for employers to pay the deductibles. It took only one medication refill for my daughter and it was already met for the year so thank goodness for that generous $2500 debit card they gave us.

[thepannarales]

We're from CAnada and moving to Florida. My husband's new employer does not offer health insurance in the US but he's willing to look into it. Anyway, I was looking into health insurance but I spoke to two insurance companies who told me that I could not get health insurance unless I resided in the states for a minimum of 6 months with a minimum of a 2 year stay, he only has a visa for a year and another company said we'd have to live in the states for a year before applying.

This is absolutely absurd to me. Is there anyone that knows anything about this? I can't believe that I cannot purchase health insurance.

[ivcceo]

I had the same experience when I tried to get insurance for someone who had never lived here. I also advise you not to get any of those "temporary insurance" products as they are mostly scams and will do everything not to pay your claim. Is there no way to keep an official address in Canada. What is the coverage of the Canadian system outside its borders?

[daniellefort]

This is your second thread. Have you read responses on the other one? No need to open up another one when you just did one a few days ago.

[sunrico90]

Originally Posted by daniellefort

This is your second thread. Have you read responses on the other one? No need to open up another one when you just did one a few days ago.

daniellefort
Threads are now merged.

Sunrico90