Health Insurance

[berkeley]

I need to purchase health insurance. Who is your provider? what is the cost? do you recommend your provider?

[Aquila]

I have a government plan because I work for the gov. It is a High Deductable plan through Anthem. I have a $4000 deductable in which they front load $3000 every year into an HSA (I have about $7000 in it right now). After paying the $4000 deductable, 100% of costs are covered. My monthly premium increased $20 earlier last year to a bone crushing $40 a month. Grrrrrr. Government health insurance stinks.

[berkeley]

$40 a month. I'd pay that. I'm prob gna be closer to $100/mo.

[Aquila]

Originally Posted by berkeley

$40 a month. I'd pay that. I'm prob gna be closer to $100/mo.

That's still not bad. You a government employee?

[berkeley]

Originally Posted by Aquila

That's still not bad. You a government employee?

Naw. but my friend is trying to convince me to apply with border patrol.

[berkeley]

OR I could let things get worse and foot the bill to the tax payers.

[ForeverBlessed]

are you purchasing your own policy or going through an insurance at work?

I handle Anthem BC/BS claims for the company I work for. I would recommend them to anyone...but remember, you get what you pay for. I hear people gripe about their insurance all the time....well, if you are buying it, then choose a better more expensive policy. If you have to go with what your employer gives you...then gripe on.

If you are purchasing your own thru Anthem or another company, make sure to completely be honest about ANY pre exhisting conditions and be prepared to respond to any questioning of claims by your Insurance. You have to stay active in making sure claims are paid and filling out forms and returning them.

I work in health care, I pay $60 a pay, or $120 a month for family plan...and I have a $3,500 deductible, and $4,500 out of network deductible...after that is met, they pay 100%...and also preventative is covered 100% up to $1,000 as a yearly benefit. I have a local Indiana commercial insurance. It is what it is...and I am just thankful that if something happens, I am covered.

Most plans now have large deductibles, but you can have HSA accts, and like Aquila, employers pay into the HSA fund. Mine used to pay half...but no longer pays anything.

Aquila has it good... low cost...cheap in my opinion, and help with the HSA...pretty good deal if you ask me, and better than most.

[ForeverBlessed]

also, there are some companies that I could tell you would be a pain in the back side... look at things like "timely filing limits" and irritating loop holes that they use to get out of paying claims when shopping around.

Another thing... make sure that your healthcare provider/physician is credentialed with the healthcare that you are choosing. If you love your family doctor...then go with a major company like Anthem that will be accepted by most if not all. Every doctor in our Network is credentialed first with types of Medicaid/Medicare and Anthem...then trickles on down the line. Anthem is the insurance of 60% of our patients....followed by Medicare and then Medicaid and other commercial policies.

[berkeley]

Thanks FB!

[Cindy]

I liked ours better before my husband retired. But, it's still pretty good. We have Aetna, I preferred BC/BS.