Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
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.
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!
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.
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.
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
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.
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.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.