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amyb05
member
Private health insurance?
amyb05
member
If you have family health insurance not through an employer, can you give me any advice about it? I am clueless to what we realistically need and how much to expect to pay monthly/deductable, who it is with etc TIA
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Re: Private health insurance?
i have it for just myself. david has him and the boys through work, but it more than doubles to add me. insane. i think for just me it's like 130 a month. that does not include preganancy or anything like that.
let me know if you want the number of the guy who helped us with it
eta: it's humana one and i don't know the deductible. but i get like 6 dr visits, $35/$60 co pays. free yearly exam.
pic by http://www.southernportraitanddesign.com/
We own our business and get our health insurance through it because I can't get health insurance because I am fat, booo! We also applied for individual insurance before we went this route and they wanted us to pay more because my kids are skinny, makes no sense.
Anyways, we have Aetna POS and its about 1300 a month for 4 of us. I believe we have a 2500 per person deductible, max 7K a year out of pocket.
Our doctor visits are 40 per visit deductible waived and 15 generic, 45 brand prescriptions. I think emergency room is 100 if not admitted and xrays are 50 deductible waived. It also has deductible and copay waived for well baby visits, well yearly adult health visits and yearly well ob/gyn visits.
I know we are on the business end, but I think this pricing is similar to individual pricing.
Let me add that the way it works is dad, mom and 1 baby seem to cost the same as dad, mom and 2 babies. Our rates didn't change when I had the 2nd baby, sort of blew me out of the water, but ok, lol.
I also used Ehealthinsurance to get our insurance. You can shop all of it online and usually don't have to talk to a person at all. Also, when you apply for insurance they want the money up front before they look at your application. If you are denied they mail you a check back.
I used to build sites like ehealthinsurance.com and would recommend them as a place to shop your rate.
Individual health insurance is not ideal. But the process will be for you to shop a rate, then fill out an application. Based on the data you will be accepted, accepted with rate-up or rejected. You need to be 100% honest on the form or risk not being paid out. If your applicaiton shows any sign of red flags the fine print of the application will allow the insurance company to search your Rx history, request medical records from doctors or request a blood/urine sample from you. I believe you carriers can still accept you and exempt certain pre-existing conditions, give you an extreme rate-up annually based on your health throughout the year or drop you as a client. Until 2014 when some of the new health care initiatives come into play.
If you have a good medical history and are younger, the coverage and rates can be okay. If not, this can be massively expensive. Good luck to you.
Oh - and as the previous poster said, rates are usually single, double and family. But if you submit for coverage as a family the carrier does not have to accept all persons on the application, or they can rate-up the whole application for one applicant history. Sometimes it can be better to shop a sicker person individually and the rest together.
We just switched to a private insurance so I can stay at home with the girls. Previously, I was working part time at the hospital and the insurance was dirt cheap. We have Blue Cross Blue Shield right with the family plan plus the maternity rider. The co-pays are $40 for certain doctors and $50 for specialty doctors. We picked a high deductible since we hardly get sick. Or so we thought...
Last month, my husband developed a kidney stone and for all the x-rays, ct scan and the removal of the stone costed us over $3500. Yes, over $3500!!! Picking a high deductible didn't work out to our advantage this time.
I would talk with an agent and they can help you with the numbers and what plans works best for you.
We just went through this process. I would recommend getting an insurance broker to help you. We recently had a good experience with Jeff Shumaker. He can walk you through the ins and outs of private health insurance. He is a wealth of information (and will spend a lot of time with you to answer questions and such). 404-309-4487
If you're planning on having more kids, you may want to stick with what you have now.
If you go private, you will need to gather up all of your medical history for possibly up to 5 years (at least for doctor's visits). You will need detailed info on Rx you have had filled in the past year. It is a serious PITA to fill out all of the application information. Your current state of health (based on BP, weight, height and blood and urine tests) will determine the actual rate, but a good broker can give you an estimate for each of the major rated companies. Once you have your health tests they will adjust the rates (our went down a bit after the tests). We are paying $6000 less this year than we did through DH's company (they have crappy crappy insurance, though).