Affordable Individual Health Insurance

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Questions and Answers

Affordable health insurance in florida?

Im 17, will be 18 in november, and i need to find health insurance. I need it to cover dental (orthodontics), prescriptions, and mental health services (depression, bipolar disorder).
I am a non smoker, and i have no kids.
Please help!!!

Posted by Jamie
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Do not try to do this over the internet. The quote sites do not take into consideration any pre-existing health conditions. The depression and Bipolar will result in an automatic decline with most of the companies. If you are on medication for those conditions it will be even harder to get a policy. If you try to apply over the internet there is a good chance you will be declined, which will make it even harder to find a policy.

You'll want to visit a local independent agent. The agent can talk with the underwriters of the different companies to see what your chances of getting a policy are before you apply and what options you have. Some companies might accept you but will not cover your health conditions or the prescriptions you take for those conditions. Some companies might cover your health conditions but will increase the premium. The agent can find that information as well.

Individual health policies generally don't cover dental but they may have it as an option. Depending upon the dental policy you get you will have a waiting period of 12 to 36 months before qualifying for orthodontic procedures.

You may also consider a medical discount card. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took one card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link Http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Affordable Health Insurance in California?

We're TTC and having a bit of trouble so I was wondering if anyone could recommend a good health plan that covers maternity and possibly specialists.

Posted by Boobah815
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Many individual health insurance plans in California cover maternity although just be sure that you know in advance that most plans have a waiting period of 6-12 months.

Make sure that you shop around and choose a dependable and trustworthy company like Blue Cross Blue Shield of CA, Aetna, United Healthcare, Kaiser Permanente, etc.

Work with an independent agent that can help you compare and contrast the different plans and choose the one that is best for you. Here is some more information on finding affordable health insurance and also specifically on finding the best California health insurance:

Has anyone here found any quality and affordable individual health insurance?

Posted by lauri
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I’d check out Consumer Reports (link below), America’s Health Plans (link below), and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good.

Affordable can mean what you can pay month-to-month or what can help shield you from a really expensive illness or medical procedure. For example, I’ve spent money on health insurance for over 10 years and have had only two non-routine doctor visits. My sister, on the other hand, has unfortunately had to use her insurance a lot. The bad news is that insurance prices are increasing and fewer and fewer employers are offering it to their workers. The good news is that you have a lot more options in health insurance than you used to. Just remember that the more you pay monthly, the less you’ll pay out-of-pocket before the insurance company picks up the bill. And, of course, the less you pay monthly, the more you’ll pay before the insurance company helps you out.

Two new plans aimed at twentysomethings are popular right now – but you don’t have to be in that age group to join. They are “Tonik” from Blue Cross Blue Shield and “Sound” from UniCare. They have low premiums and high deductibles, but they can also include dental and vision for a relatively low amount of money. Regular doctor visits are also included. In less than two years, Tonik has become the second most popular BCBS health plan in California. The only problem is that they are not available nationwide yet.

You should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.

You can find MostChoice here: Http://www.mostchoice.com/health-insuran…

Hope this helps,

Barnes @ MostChoice.

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