Health Insurance

Joined
Sep 6, 2004
Messages
348
Location
Alabama
Just curious who here has their own health insurance policy, not one provided through their job. If so who is it through, etc...

I am working through a temp service agency till I find another job and they compensate me for not having health insurance, etc.

I have looked into:
USAA
GradMed (Univ Sponsored)
Alumni+ (Univ Sponsored)
 

woody

Staff member
Admin
Joined
Jan 15, 2002
Messages
10,273
Location
Toquerville UT
 
 
 
 
find a local broker that specializes and understands the individual policies....

In Wisconsin, C is the "resident expert" on small group and invididual....but she's only licensed in this state.

I'll wager your current P&C carrier has a local broker they work thru....rates thru a broker should be the same as direct...
 
Joined
Mar 10, 2005
Messages
53
Location
Harvard, IL USA
I get my insurance thru the University of Wisconsin student insurance program. It's good insurance, too. Full service insurance, covers everything, prescriptions, etc. You do have to pay extra if you go outside the UW Hospitals and Clinics System, but the UW Hospitals and Clinics are so good, and have every specialist imaginable, that there's no need to go anywhere else except in the case of an emergency while traveling...

One nice thing about a school with 80,000 students and 40,000 professors and staff: when they call up the insurance company, it pays attention..

As I've said before, this school is lousy with money, and sometimes I'm on the receiving end.

Steve
 
Joined
Dec 11, 2004
Messages
1,436
Location
The Rock
 
I pay my own cost and have Blue Cross & Blue Shield......

Look into a MSA and a large deductible plan unless you plan on getting group coverage with a new job soon.
 
Joined
Jun 16, 2004
Messages
636
Location
Northern Vermont
 
 
 
Blue Cross as well. Call them and set up an appointment. They come to your house and go over everything with you (took a couple of hours), and explain everything in detail.

You decide what you need and what you don't, and pay accordingly. It was actually cheaper than I thought it was gonna be.
 
Joined
Mar 30, 2005
Messages
473
Location
Mt. Pleasant, SC
Fortis, but I will be switching to whatever the state provides as soon as my significant other starts teaching and/when we actually get married.
 
Joined
Nov 16, 2004
Messages
1,220
Location
Queensland and California
 
You might talk to (maybe even hire to do your taxes, even if you are not in the medical field) an accountant who does medical practice management for small doctors offices. He will know a few good medical insurance brokers to talk to. This way you get into the market at a less "salesy" point with lots of feedback on the insurors from the accountant and the broker.

David
 

TJDIV

Back in The U.P.
Joined
Jan 28, 2003
Messages
2,061
Location
Upper Michigan
 
 
Blue Cross / Blue Shield here too....converting to group health later in the year to cover some employees.

It's cheaper for me as an individual policy ($80/mo). When I go to group I'll pay almost $100 more per person, but also get to expense it through my Corp.

go to www.bcbs.com and search around for an individual PPO. My family prac. doc is a friend and whatever can't be billed to BCBS he eats. Pretty cool.
 
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