I'm changing the status of my job. What is the best supplemental health insurance?
919516
There are 50 different BC/BS plans, one in each state, so it totally depends on what state you are talking about.\nIn my state, its a pretty good plan with decent prices, but in other states it is really not that good.\nSo, it completely depends.\nIf you are moving away from an employer sponsored health plan where the employer subsidizes your premiums and you are headed into an individual plan, be prepared for a very large price increase.\n\nAnd it is a very very good idea to get both ST and LT disability policies, if you can afford them.  They are relatively inexpensive compared to what you have to lose in income if you become disabled.
1143174
Did you have health insurance through work and then left the job, or did a personal policy expire? If you had insurance through work, then you have 63 days to get a new job with health insurance. If you do, then the Health Insurance Portability and Accountability Act (HIPAA) protects you and you can’t be denied coverage from a group health plan, and the length of time you have to wait for epilepsy coverage is reduced, depending on the amount of time you were previously insured.\n\nOn the state law, side, contact your state insurance department to see what kind of legal protection you have there (link below).\n\nI did a quick search for epilepsy support programs at Needy Meds that help with medical costs and could only find two (New Jersey and Central Florida).  The link’s below. Also, it seems that there are epilepsy organizations in about every state, so just do a search.\n\nYou should probably record your history of epilepsy. Some insurance companies weigh the frequency and severity of seizures when deciding to accept applicants who have epilepsy. Also, if you haven’t had an attack in a while, that could make it easier, too. Also, if your seizures are controlled, that could make insurance easier to obtain and less expensive. If you are looking for a personal policy, you should talk with local health insurance agents. MostChoice.com is a good place to start. There’s not cost or obligation to buy insurance. You just fill out a short form, review online quotes from local health plans, and state-licensed agents should contact you within 48 hours. Tell them about your situation, and let them do the legwork. If you like what one of them comes back with, then buy the policy. If you’re not happy with what an agent is offering, then move on.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes@MostChoice
223071
Look up Assurant Health in your area...\nI write health insurance out here in the west...\nOr look for pacificare or go to ins4u.com that will give you alot of different companies and then just go shopping....
1044637
That really is a good question. I tried to find an answer, but it all seems very vague. While I did encounter many people with a situation like yours (one woman paid almost four times more to include her husband on her health plan), I had two thoughts:\n\n1.Maybe it’s not as widespread a problem as you might think. Even though the Wall Street Journal and New York Times have written about the rate tiers you’re speaking of, I found a study from the Medical Expenditure Panel Survey that showed that the average yearly premium expense for employer-sponsored single coverage was $3,481 compared with $6,647 for plus-one coverage – less than double the single rate. \n\n2.Some group plans may be required to accept spouses without evidence of insurability – no medical review or tests. If that’s true, then there might be a risk-centered reason for the hefty increase in your premiums.\n\nYou might want to talk to the insurance company to see how they justify the increase. Also, you might want to shop around for insurance with local agents to see if the same price hike applies to other health plans near you. If you want to do that, check out MostChoice.com. It’s a site where you can compare and contrast locally available insurance policies and get in touch with state-licensed insurance agents. There’s no cost and you’re not obligated in any way to buy anything from the agents who contact you. Just have your questions ready and challenge them to find a better insurance solution for you and your wife.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
880401
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health.  It was a simple online process.  I remember it being affordable.  I cannot speak for how good it is, because thankfully, I did not need to use it.  After 6 months, it expired and that was it\nhttps://www.temporaryinsurance.com/stm/(nzuznvznzbxmqe55raetbozl)/GetQuote/\n\nIf I just graduated, I would take a serious look at this site.  They seem to specialize in students.\nhttp://www.gradmed.com\n\nJust make sure you read what they will not cover.  For example, don't get pregnant.\n\ngood luck\n\n.
675893
Depends on what you're looking for, which state you reside in and your job. See if there's a group or association in the industry you're in that sponsors a health insurance plan that you would be eligible for--not only would it be cheaper than going on your own, chances are it would also include vision care and a dental plan. Otherwise you will have to construct those three parts piecemeal.\n\nAnother option is to see if you qualify for the plan that your largest client offers its employees. Even though you are self-employed, you may still be eligible, or could work that into part of your compensation/contract.
1187632
I'm sorry to say this when ur 18 yrs of age u will be cut off of medicare. I have a solution for get a Star-Bucks job and within two-hundred hours of work u will receive coverage of medical any time anywhere ...........p.s. blue-cross and blue-shield's is very affordable.
735872
Most Heath Plans offer Mental health services.\n\nHarvard Pilgrim Health\n\nBlue Cross Blue shield\n\nMany Health plans are Geographic Based.\n\nContact Kaiser and tell them that you are relocating, If you are working for the same company...they will help you locate alternate plans that are available in Texas. \n\nTry this Link:\n\nhttps://www.insureme.com/landing.aspx?FS=local&S=1&Type=health&InsuranceType=&Zip=&ZipCode=&Refby=604075&PID=&AID=&ovmkt=&Click_ID=\n\nIt is a comparison of Health Providers in the state of Texas.\n\nBe certain to read any fine print.\n\nGood Luck.\n\nMav
953916
try http://everyonebenefits.com/40436527 it's $49.95 per month for an individual. It covers all specialists, prescriptions, labs, x-rays, hospital stays, etc. Pre-existing conditions covered. No deductible, no claim forms, and no waiting period to use your benefits. Contact me with any questions you may have.
777704
Well the best one is to have one before your diagnosed because alot of them don't cover pre-existing conditions for a year prior to the new policy.  You'd want one with good medical testing coverage, hospital stays, drug coverage, dr visits, alt med if possible.  Many of the Blue Cross higher up plans have that, they have some co-pays but cover the big stuff.  Independent Health which is NY based company has good coverage too.
851524
this is what i use http://www.altiushealthplans.com/\n Altius
946217
Great question!!  What type of benefits?  What type of policy?  Are you the spouse?  Are you covered under the policy?  \n\nSorry, this question is WAY too vague!!
264203
www.ehealthinsurance.com and www.lifeandhealth.com lets you shop around and compare different health insurances\n\nAre you self-employed? If you are, you can contact the National Association of Self Employed (www.nase.org) and sign up for health insurance through their plan.
1021116
Review your options here\nhttp://www.medicare.gov/medigap/default.asp\n\nbut note, some items are not covered by Medicare or Medigap.  You need to review the plan document carefully to be sure supplemental insurance will be useful (and worth the cost) to you.
806137
Yes you can.  As long as you can show that you have had other insurance coverage, they will let you re-enroll within 6 months of leaving your job.  That will also put you in open enrollment so that no matter what health problems you have an insurance co must accept you with no underwriting.  I tell all my clients  that the longer you work for health insurance alone may be worth it if you like working.  See if your employer offers the insurance as a secondary to Medicare once you retire.  Then you get the same great coverage, and usually is cheaper than paying for a supplement
424301
Go to www.ibx.com and click "Find a Health Plan."  My friend has coverage for $115/month
875444
Here's a good article for choosing a health insurance plan:\n\nhttp://www.bellaonline.com/articles/art31285.asp