I have no health insurance as I work temp and am getting a raw deal. I would like to get insurance so I can get examined or something to make sure I don't have some sort of problem that needs to be fixed. When they talk about premiums do you have to pay yearly or monthly?
Posted by Architraz Warden (Member # 4285) on :
I did not have to get examined when I got insurance recently, but I'd had a physical in the previous year and stated so (and with whom).
The premiums I pay are monthly, but I'm fairly certain this varies and can be paid bi-annually as well.
Posted by Synesthesia (Member # 4774) on :
GAH! So it's 500 dollars a month if you're single!?!?! Who the heck can afford that? My rent will now be almost 600 a month and I am trying to save as much money as possible for something i want to do... That is insane!
Posted by pH (Member # 1350) on :
When I was trying to talk my parents into getting me health insurance, it would have been $90 a month. For just me; no one else in my family has or seems to want insurance.
-pH
Posted by sarcasticmuppet (Member # 5035) on :
Syn,
When I worked for Manpower once I had gotten something like 200 hours I could apply for an insurance program they have. See if your agency has anything they can offer you.
Posted by Tante Shvester (Member # 8202) on :
A catastrophic care policy may make more sense. You pay premiums for insurance that would only cover things like hospitalization and surgery. Prescriptions, ER visits, doctor's appointments are all on your own. But what you land up paying for those (if you are basically in pretty good health) is a lot less than what you would pay for premiums.
Or you can pick a policy with a very high deductible -- say, $5000. Anything under that you pay for. Anything over that is covered by the insurance. This can make the insurance much more affordable for you.
Posted by Lupus (Member # 6516) on :
Blue cross blue shield has decent plans that run around between 70-90 a month (for a single person).
Though different factors can change that rate (age, tobacco use...)
Posted by Belle (Member # 2314) on :
Definitely you need some kind of insurance, though. pH, does your university not have a student health plan? I know mine does, where you pay a reduced premium and includes all checkups at the student health clinic as well as hospitalization coverage.
Trust me, you don't want to be caught without it, if something terrible happens. My 10 day hospital bill was over $100,000 and that did not include the surgeon's bill, the anesthesiologist, the gastroenterologist - all those were billed separately.
My chemo is $17,000 per session. And yes, young people do get cancer. Might be rare, but it does happen.
Posted by Synesthesia (Member # 4774) on :
I had it when I was 2 or 3. That's one reason why I am a bit paranoid. What I really wish is that my job would hire me perminantly so I can have insurance and take off for a week or 2 if I want without worrying about not getting paid... But, this doesn't seem likely right now.
Posted by pH (Member # 1350) on :
Belle:
I have student health insurance. I have the bare minimum that is required to attend school. Which means I go to the student health center, which sucks, and if I fill out eight billion forms and get the student health people to sign them, sometimes I can be referred to a very short list of specialists when the student health doctor tells me that my cornea is sliced in half and I have an anyeurism and will die in twenty-four hours. Otherwise, every single exam ever has to be done at student health. It also covers hospitalization. But it doesn't cover prescriptions at all, and my prescriptions are expensive.
![[Frown]](frown.gif)