Help with Insurance for the daughter

Discussion in 'Economy' started by iamwhatiseem, Nov 13, 2010.

  1. iamwhatiseem
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    iamwhatiseem Gold Member

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    So...in the other thread someone suggested trying to buy some private insurance to fill in the gaps with the bullshit insurance offered by her part-time employer after our plan drops her for having a job.

    Well for one...what a gap.
    Look below and tell me how the f*ck does anyone consider THIS health insurance?

    Doctor visits.......no coverage.
    Outpatient procedure benefit.........max $1000/yr
    Hospitalization Benefit.........max $10,000/yr
    Prescription benefit......none
    Accident Coverage.....one per year, max $2500
    Preventative "Care"....80%...but only one occurrence per year.

    Cost...$44.90 per month or $530.80 annual

    Ok...so this is absolutely worthless.

    Anyone here have any experience on private insurance?
     
  2. B. Kidd
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    B. Kidd Gold Member

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    Outpatient procedure benefit only $1000/yr?

    I had umbilical hernia surgery in Sept.. It was done outpatient surgery. The bill was $28,0000.00!!!

    That is freakin' crazy.
     
    Last edited: Nov 13, 2010
  3. sangha
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    sangha Senior Member

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    Is your childs health only worth $44.90/month?

    Stop being so cheap and get your daughter some decent coverage. Stop expecting a handout
     
  4. iamwhatiseem
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    iamwhatiseem Gold Member

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    WTF??
    Hey stupid...this is the insurance offered by her part-time job.
    Stop wasting your time concentrating on insulting people and say something useful.
     
  5. sangha
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    sangha Senior Member

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    So your OP was a lie?

    Your OP says you're looking to buy a policy "to fill in the gaps with the bullshit insurance offered by her part-time employer after our plan drops her for having a job. "

    And in another thread, you claim that your daughter is quitting her job so she can remain on your plan. Here's the link
    http://www.usmessageboard.com/polit...-job-to-stay-on-insurance-13.html#post2965531


    How many lies are you going to tell?
     
    Last edited: Nov 13, 2010
  6. Revere
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    Revere BANNED

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    Is she a healthy kid? If that's her in your avatar on the right, she looks healthy. ;)

    You might come out ahead on the out of pocket vs. full coverages on doctor visits and meds.

    Can you buy a catastrophic policy to cover the worst case scenario?
     
  7. uscitizen
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    uscitizen Senior Member

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    I paid over $700/month for health insurance last year.
    Just for me.
    And it was a negotiated deal with an agent, I got it that low by prepaying for 2 years worth of insurance.
    Most places wanted around $1,200 per month.
    Of course I am fairly old and not in good health.
     
  8. iamwhatiseem
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    iamwhatiseem Gold Member

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    At any rate. before the troll arrived above...

    What am I missing?
    Getting what appears to be the same coverage that she has with our plan would cost about $130 a month.
    I am confused, I thought private insurance was outrageous? Like $500 a month or something.
     
  9. Revere
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    Revere BANNED

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    You might get a catastrophic policy for healthy young kid cheap.
     
  10. iamwhatiseem
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    iamwhatiseem Gold Member

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    yeah...that's what is confusing me. $139 a month is nothing.
    Course she is only 20 years old.
     

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