Help with Insurance for the daughter

[Trajan]

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.

wow. not even a 25 or 50 $ copay for an exam?

Outpatient procedure benefit.........max $1000/yr

that closes a lot of doors to saya clinical strep throat swab etc (?)

Hospitalization Benefit.........max $10,000/yr

2 days and minor drugs is all that will cover.

Prescription benefit......none

at her age she hopefully won't need it..I don't see this as huge , if shes gets a cold etc. a month of meds will work usually and the coverage for a $5 med. will run up the premium.

Accident Coverage.....one per year, max $2500

geez, what kind of accident will 2500 cover? Hang nail?

Preventative "Care"....80%...but only one occurrence per year.

womans functions check, I guess..thats about it.

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

Ok...so this is absolutely worthless.


Anyone here have any experience on private insurance?

frankly I would shop for a catastrophic coverage plan and be prepared to bite the bullet for the rest. She is young and hopefully lucky, sux yes but............

 

[iamwhatiseem]

WHy is this so cheap?

https://express.rwsol.com/roi/getCC...171&productLine=Medical&medicalProductLineId=

 

[Trajan]

WHy is this so cheap?

https://express.rwsol.com/roi/getCC...171&productLine=Medical&medicalProductLineId=

the link errors out bro.

 

[iamwhatiseem]

WHy is this so cheap?

https://express.rwsol.com/roi/getCC...171&productLine=Medical&medicalProductLineId=

the link errors out bro.

Damn...ok..

Let me type it out.....

 

[iamwhatiseem]

Carrier - Anthem

Premium - $144.93 per month
Type - PPO
Deductible - $2500
Offc Vis - $30 copay
Drug - $15 copay, no maximum
Vision covered
80/20 plan

 

[Revere]

Keep the job.

Have some dignity.

What an ass backwards system incentivizing a kid to quit a job to stay on her parents' health insurance.

Damn straight.
Since 1967 our corporation has been covering college students and then one calendar year after graduation. 43 years. But f*ck no, they have to cram through a healthcare bill that forces insurance companies to cover ALL children till 26 so now they start looking for ways to get out of covering those they can...enter loophole.

Problem is she liked her job and her boss really wanted her to stay and is basically holding her job while we are seeing if there is a way to get coverage.

In wingnut world, businesses want fewer customers

Are people who are already sick who buy insurance "customers?"

 

[Trajan]

thats not to bad. way better than the last form the looks of it...

 

[sangha]

Carrier - Anthem

Premium - $144.93 per month
Type - PPO
Deductible - $2500
Offc Vis - $30 copay
Drug - $15 copay, no maximum
Vision covered
80/20 plan

Is it under your plan, or is it from a different insurance company?

 

[sangha]

Damn straight.
Since 1967 our corporation has been covering college students and then one calendar year after graduation. 43 years. But f*ck no, they have to cram through a healthcare bill that forces insurance companies to cover ALL children till 26 so now they start looking for ways to get out of covering those they can...enter loophole.

Problem is she liked her job and her boss really wanted her to stay and is basically holding her job while we are seeing if there is a way to get coverage.

In wingnut world, businesses want fewer customers

Are people who are already sick who buy insurance "customers?"

The OP's daughter is healthy

 

[Greenbeard]

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.

If you want to see all coverage options available for her in your area, start with HealthCare.gov

 

[iamwhatiseem]

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.

If you want to see all coverage options available for her in your area, start with HealthCare.gov

Aha!..it was you that made the suggestion.
Thanks

 

[Revere]

In wingnut world, businesses want fewer customers

Are people who are already sick who buy insurance "customers?"

The OP's daughter is healthy

She could buy into her parents' plan until Obama fucked things up.

 

[sangha]

Are people who are already sick who buy insurance "customers?"

The OP's daughter is healthy

She could buy into her parents' plan until Obama fucked things up.

100% wrong, as usual

Before HCR, no insurer was required to cover dependent children. Now, they all are

 

[Revere]

The OP's daughter is healthy

She could buy into her parents' plan until Obama fucked things up.

100% wrong, as usual

Before HCR, no insurer was required to cover dependent children. Now, they all are

Wrong. Her parents' carrier is off the hook because the kid can get insurance elsewhere. They used to offer it, but are getting priced out of it with mandates.

 

[sangha]

She could buy into her parents' plan until Obama fucked things up.

100% wrong, as usual

Before HCR, no insurer was required to cover dependent children. Now, they all are

Wrong. Her parents' carrier is off the hook because the kid can get insurance elsewhere. They used to offer it, but are getting priced out of it with mandates.

Nonsense

The carrier was never on the hook until HCR was passed. And insurance companies are projecting record profits

If wingnuts didn't lie, they'd have nothing to say

 

[iamwhatiseem]

She could buy into her parents' plan until Obama fucked things up.

100% wrong, as usual

Before HCR, no insurer was required to cover dependent children. Now, they all are

Wrong. Her parents' carrier is off the hook because the kid can get insurance elsewhere. They used to offer it, but are getting priced out of it with mandates.

Give it up Revere...you can't reason with cows.

 

[Revere]

100% wrong, as usual

Before HCR, no insurer was required to cover dependent children. Now, they all are

Wrong. Her parents' carrier is off the hook because the kid can get insurance elsewhere. They used to offer it, but are getting priced out of it with mandates.

Nonsense

The carrier was never on the hook until HCR was passed. And insurance companies are projecting record profits

If wingnuts didn't lie, they'd have nothing to say

The carrier covered the kid voluntarily. Now that Obamacare is here, they don't have to if the kid can get coverage someplace else.

So who broke this system?

 

[sangha]

Wrong. Her parents' carrier is off the hook because the kid can get insurance elsewhere. They used to offer it, but are getting priced out of it with mandates.

Nonsense

The carrier was never on the hook until HCR was passed. And insurance companies are projecting record profits

If wingnuts didn't lie, they'd have nothing to say

The carrier covered the kid voluntarily. Now that Obamacare is here, they don't have to if the kid can get coverage someplace else.

So who broke this system?

They never had to cover the kid. You're just too dumb to realize that even you admitted it was "voluntarily"

 

[Revere]

Before Obamacare, the carrier would cover the kid.

After Obamcare, the carrier won't cover the kid.

What part of that don't you understand?

 

[iamwhatiseem]

What I have learned..

So...depending on needs, young and mostly healthy young people can get solid health coverage for only around $35 a week.
$35 a week.
I don't understand. That is about the cost of cigarettes. If coverage is this cheap then what is all the fuss about? If coverage is this cheap than we don't need mandated coverage for young adults - who can't afford $35 a week?