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Old 04-06-2007, 01:58 PM
 
Location: NJ
185 posts, read 662,090 times
Reputation: 56

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Does anyone know where I can get a good quote on this? I'm paying a small fortune for health insurance now and I can't afford it anymore. Thanks for any help.
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Old 04-06-2007, 07:37 PM
 
64 posts, read 304,449 times
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Last year I had an individual policy through Blue Cross Blue Shield. It was about $130 a month for a $5,000 deductible. They also had a $10,000 plan.

It really depends on your age. I'm in my late 30's. A lady at my hair salon had a similar plan and paid $300 a month. She was in her 50's.
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Old 04-09-2007, 10:24 AM
 
Location: NJ
185 posts, read 662,090 times
Reputation: 56
Default Thanks new28moon

Quote:
Originally Posted by new28moon View Post
Last year I had an individual policy through Blue Cross Blue Shield. It was about $130 a month for a $5,000 deductible. They also had a $10,000 plan.

It really depends on your age. I'm in my late 30's. A lady at my hair salon had a similar plan and paid $300 a month. She was in her 50's.
Much appreciated.
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Old 04-09-2007, 11:33 AM
 
192 posts, read 772,747 times
Reputation: 223
It also depends on the state you live in. For instance, you can get an individual catastrophic plan in Florida but not in New York.

Each state's insurance board decides what type of insurance policies may be offered (sold) in that state.

I am moving to NY in the near future, so I checked into that thoroughly. No standalone catastrophic policies are allowed to be offered in NY. If they were, I'd be first in line to buy one because I am currently uninsured (too much income to qualify for the "HealthyNY" state plan, but not enough to be able/willing to spend $15,000/yr on a conventional individual plan)

If I could get a catastrophic plan with a deductible of $35,000 for less than a couple of hundred dollars a month, I'd snap it up in a minute!
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Old 04-09-2007, 10:38 PM
 
Location: Tejas
7,446 posts, read 15,569,011 times
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Me too! I pay a large fortune in health care here. I have no idea what catasrophic insurance is :S I pay just over $1000 per month health insurance.
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Old 04-10-2007, 06:59 AM
 
Location: Happy wherever I am - Florida now
3,359 posts, read 10,387,007 times
Reputation: 3792
Windflower,

Better do more checking. I know someone who had a policy like that in NYS a couple of years ago. You may have to dig as it's less commission I'm thinking.

The only bad part is that it basically only covered if you were admitted into the hosptial. But the good part is it counts as 'continuing coverage' so that you can move to a better plan in the future if need be.
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Old 04-10-2007, 09:32 AM
 
Location: VA
784 posts, read 4,142,998 times
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I was in a plan like that once, what a terrible mistake. It costs so much to see a doctor that I did not go and get care when I had a health issue. By the time I went to the doctor I was very sick and needed to go to the hospital. My doctor said if I would have came to him earlier it would have been a simpler issue.

I ended up paying over $10,000 out of my pocket because the plan had huge copays and deductibles.
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Old 07-13-2007, 09:46 AM
 
Location: Chattanooga
2,071 posts, read 6,703,656 times
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those looking for a catastrophic policy (something that pays when the bills get high...like $10,000+) should look into an HSA plan. You pay for all the little stuff, but all your medical related expenses are tax-free, and you've got the insurance for the big stuff
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Old 07-13-2007, 10:31 AM
 
Location: WA
5,168 posts, read 20,082,398 times
Reputation: 5335
Quote:
Originally Posted by TriDad View Post
those looking for a catastrophic policy (something that pays when the bills get high...like $10,000+) should look into an HSA plan. You pay for all the little stuff, but all your medical related expenses are tax-free, and you've got the insurance for the big stuff
Agreed. The policies will vary by state but I have found the high deductible plan with a HSA to be effective. They usually do not cover drugs and you pay the expenses up to a deductible (typically 1700 to 5000 per individual annually) but then have 1 to 2 million in coverage for a major event. Premiums are much lower than others but will vary with age, conditions, and location; we pay $400 a month for two 50s adults with a $3500 family deductible.
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Old 07-13-2007, 01:10 PM
 
Location: VA
784 posts, read 4,142,998 times
Reputation: 1069
I used UNICARE but they have a history of rejecting claims because they say everything is a result of a pre existing condition that you did not bring up.
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