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Old 08-17-2012, 10:02 AM
 
3,605 posts, read 1,914,834 times
Reputation: 1798
Default Individual Health Insurance Costs in Vegas

What is the going rate for a decent individual health insurance policy in Vegas? I did a quick search and didn't find anything (on here.)

This would be for a single late 40's male. I know it varies, but if anyone has a ballpark number, it would be helpful.

Thanks,
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Old 08-17-2012, 10:21 AM
 
305 posts, read 229,191 times
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Quote:
Originally Posted by BBMW View Post
What is the going rate for a decent individual health insurance policy in Vegas? I did a quick search and didn't find anything (on here.)

This would be for a single late 40's male. I know it varies, but if anyone has a ballpark number, it would be helpful.

Thanks,
I will be moving to Las Vegas soon and will need individual health insurance. I have done some research on this subject. I have so far found two possibilities. Blue Cross and Costco (offers individual health insurance through Aetna). You can go to the following links to get quotes from them:

Affordable Health Insurance & Medical Insurance Plans – Anthem Blue Cross Blue Shield

https://www51.aetna.com/iqs/costco/aimquote.do
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Old 08-17-2012, 10:54 AM
 
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Interesting. It was less than I was planning.
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Old 08-17-2012, 01:30 PM
 
Location: Vegas, baby, Vegas!
3,156 posts, read 3,257,801 times
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I don't understand this deductible stuff, can someone explain it in ENGLISH?

Jonathan
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Old 08-17-2012, 02:05 PM
 
4,096 posts, read 2,322,113 times
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Quote:
Originally Posted by macgeek View Post
I don't understand this deductible stuff, can someone explain it in ENGLISH?

Jonathan
The deductible is the amount you have to pay out of pocket before the cranky ***** at your insurance company have to open their dusty old wallets and pay out.

Since we are on the topic: Copay= set amount you pay for services, usually around 20 bucks.
Coinsurance= percentage of costs you have to pay out of pocket, usually 20%.
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Old 08-17-2012, 03:31 PM
 
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There is only one way to ever shop for health insurance and that is to compare plans at ehealthinsurance.com

Put in your age, etc. and find one that meets your budget and risk tolerance.
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Old 08-17-2012, 10:46 PM
 
Location: Vegas, baby, Vegas!
3,156 posts, read 3,257,801 times
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So it was explained to me, that.. If say you have a $5000 deductible, anything you do (check-ups, xrays, etc YOU have to pay for out of pocket (up to $5000) and if you go into a hospital THEY pay anything over $5000.
(and you pay $1500 a year for this privilege) did I get this right?

Jonathan
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Old 08-18-2012, 12:19 AM
 
Location: Here and there, you decide.
9,454 posts, read 14,346,419 times
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Quote:
Originally Posted by macgeek View Post
So it was explained to me, that.. If say you have a $5000 deductible, anything you do (check-ups, xrays, etc YOU have to pay for out of pocket (up to $5000) and if you go into a hospital THEY pay anything over $5000.
(and you pay $1500 a year for this privilege) did I get this right?

Jonathan
no..checkups usually go through a primary doc and there is a set fee ($25-$50)... deductible is the amount you have to pay and then the insurance company decides IF they will pay anything over (sarcastic).... best to get employee insurance.....

example wife has Coventry One (individual plan through EInsurance)... garbage... said her cancer was a preexisting condition even though she was diagnosed AFTER she had the insurance... currently fighting them...
since then, my employer had open enrollment so she is under me now..

I just had a 1 day stint in the ER.. cost $26,000... my out of pocket about $500.

Her 1st cancer surgery had to be cash paid (currently fighting).... about $10,000 total.
2nd surgery covered... cost around $14,000 my out of pocket was $250
radiation is going to be around $100k..don't know my out of pocket yet
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Old 08-18-2012, 12:40 AM
 
4,096 posts, read 2,322,113 times
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Quote:
Originally Posted by macgeek View Post
So it was explained to me, that.. If say you have a $5000 deductible, anything you do (check-ups, xrays, etc YOU have to pay for out of pocket (up to $5000) and if you go into a hospital THEY pay anything over $5000.
(and you pay $1500 a year for this privilege) did I get this right?

Jonathan
You got it.
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Old 08-18-2012, 06:05 AM
 
Location: In the Silver State of Nevada in Las Vegas NV
755 posts, read 613,437 times
Reputation: 554
2014 Affordable Health Care starting to look good compared to what we see now??? Anyone over 40 years old ought to be supporting this if you have half of a brain.
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