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Old 11-29-2007, 11:37 AM
 
11 posts, read 33,637 times
Reputation: 10

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HI All
I am moving to LA in 2 weeks. I am used to the european Health system and I am a bit confuse in what to do in LA. Do I need to became member of a Health Company in order to see a doctor? Do they cover for any emergency o accident that I may have? How much is the monthly expenses that I have to reverve for this matter? Any good company? Any help will be really apreciated. Thanks in advance for all the information that I have from other posts.
Rob
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Old 11-29-2007, 12:38 PM
 
37 posts, read 150,356 times
Reputation: 14
I just accepted a job that has "benefits". Some jobs still do. If not there are independent plans you can get and price varies. good lick.
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Old 11-29-2007, 12:40 PM
 
2,573 posts, read 7,875,173 times
Reputation: 2558
if you have a job in the kind of industry that is importing european workers, you will in all likelihood have employer-provided health coverage. your contribution to the cost, if any, will be deducted from your pay. you're free to opt out, and purchase an individual policy for at least triple what your employer pays for group coverage, but i don't know anyone who actually does that. i probably would, if kaiser were the only option available from my employer. i know too many people who were victims of malpractice by kaiser physicians to go near the place, but that's just me. many people are satisfied with the care they receive there.
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Old 11-29-2007, 01:42 PM
 
11 posts, read 33,637 times
Reputation: 10
I am going to LA to study a Master. I think that we don't have any policy for international students that I can use in my academy, so my only option will be private. I am scared that may be I will have to pay a fortune... I don't know. I used to live in London and one of the private companies, BUPA, used to charge around $120 a month, but your need to be refered by your GP (from the national health service) to the specialist in the BUPA company. How do I choose a GP in LA??? In England you attend the closest Health Clinic from your home address and they give you a GP. I supposse that everything is different in LA.
I will check in internet this KAISER. I supposse that they will explain something about it.
Thanks for all your help. Any more details about the normal procedure to visit a doctor will be apreciated.
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Old 11-29-2007, 02:08 PM
 
2,573 posts, read 7,875,173 times
Reputation: 2558
if you're going to be a student, check with the university first. there's usually a group plan available for graduate students that would be less costly than an individual policy. when i was in school, we were required to sign up for it or provide proof of alternative coverage as a condition of enrollment.

the beauty of privatized health care is that the consumer can go to any doctor that he can pay for or who will accept his insurance. i don't know how much you want to know, but to get an overview of how health care in america works, i suggest an internet search for HMO and PPO. these are the two basic types of insurance coverage (the primary differences are coverage limitations and cost), and most companies offer an HMO policy (the most restrictive, and least expensive) and two or three PPO policies at various price points.
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Old 11-29-2007, 02:20 PM
 
11 posts, read 33,637 times
Reputation: 10
Great, I will do some research using your information. Thanks again.
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Old 11-29-2007, 02:47 PM
 
Location: Los Angeles
126 posts, read 432,860 times
Reputation: 128
Along the same lines...sooner or later I'll be leaving my job and I'll lose coverage. Are any of you paying for insurance out of pocket? I have a friend that says she pays like $70 per month. That's unbelieveable low. Has anyone else heard of any plans for this cheap?
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Old 11-29-2007, 02:57 PM
 
175 posts, read 680,144 times
Reputation: 60
Quote:
Originally Posted by Bronze18 View Post
Along the same lines...sooner or later I'll be leaving my job and I'll lose coverage. Are any of you paying for insurance out of pocket? I have a friend that says she pays like $70 per month. That's unbelieveable low. Has anyone else heard of any plans for this cheap?

She probably has a $2500 or $5000 deductible.
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Old 11-29-2007, 03:09 PM
 
2,573 posts, read 7,875,173 times
Reputation: 2558
Quote:
Originally Posted by Bronze18 View Post
Along the same lines...sooner or later I'll be leaving my job and I'll lose coverage. Are any of you paying for insurance out of pocket? I have a friend that says she pays like $70 per month. That's unbelieveable low. Has anyone else heard of any plans for this cheap?
your friend is probably taking advantage of COBRA, a federal law that requires employers to make the group coverage available for 18 months after termination to former employees who are willing to pay a portion of the premium themselves. some companies make very generous COBRA contributions, resulting in relatively low premiums paid by the former employee. others pay the legal minimum, which i believe is 30%.
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Old 11-29-2007, 03:21 PM
 
Location: Los Angeles
126 posts, read 432,860 times
Reputation: 128
Quote:
Originally Posted by katenik View Post
your friend is probably taking advantage of COBRA, a federal law that requires employers to make the group coverage available for 18 months after termination to former employees who are willing to pay a portion of the premium themselves. some companies make very generous COBRA contributions, resulting in relatively low premiums paid by the former employee. others pay the legal minimum, which i believe is 30%.
I'm familiar with COBRA and it's not that...
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