health insurance transplant patients affordable?
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.
1122103
Get your friends medical treatment and surgery in India .All types of medical treatment and surgery is very cheap in India.There is one company that is very famous in India that arranges all types of medical treatment andsurgery for foreigners in India.They are called the Forerunners Healthcare.I read a lot about them in the Newspapers and about their patient stories.I have also read that they arrange financing for american,english and canadian patients as some of the surgery and treatment is not covered by insurance.\n\nThey also have photos pasted of their International patients.You can checkout their website.The cost savings are incredible.As a doctor i personally believe that your friends cancer treatment can be easily handled in India as the quality of healthcare available here is simply best in the world.The doctors are USA/UK trained and facilities are 5 star.I recently also read about a chinese couple facilitated by forerunners healthcare were able to get their baby by IVF and a surrogate mother.\n\nmy cousin and her husband got their sons heart septal defect surgry in India through the forerunners healthcare in India and is all praise for this company.Her son is totally normal now and is as active as any other kid.She just paid 4500 pounds for the full treatment for which she was quoted 13000 pounds in private setup in UK.I strongly recommend this company to you as they can be of great help to you.hope this helps\n\nhttp://www.forerunnershealthcare.com
1045869
I'm sorry to hear your situation but you do have options. You can compare quotes from InsureMe. They offer you several quotes and accept many medical conditions.\n\nYou can also look into life insurance with no medical exam required. This may cost a little more, but you get quick approval, if qualified. There's no exam, no agent to deal with, and no delays. Try out quotes from both options. And good luck with getting your coverage placed at a reasonable rate. Take care.\n\nhttp://www.term-life-online.com
1029482
I literally just went through all my benefit options at the hospital I work for.  I chose an HMO, although I previously had a PPO.  It really depends on your needs.  From the info you gave it sounds like a PPO.  With an HMO, the downfall is that you can only go to specific MD's and Hospitals within a certain network in order for your co-pay to be valid, but the good side is that there is a set rate for everything.  I have a $200 deductible and if I'm in the Hospital the most out of pocket expense I'll see will be $300 (I'm planning on starting a family soon so that's why I chose this plan),  our PPO option had a $500 deductible and about $2-3000, maybe more, out of pocket expense for a hospital stay.  Plus the co-pays were higher for that one.  And both plans cost the same.  When I'm done having babies I'll go back to a PPO.  I hope that helps.
1026304
Sorry you aren't going to find any insurance that completely covers all treatment.  You can get plans that will pay up to a certain amount, maybe as high as $3000 (rare)yearly, but they will usually only pay a percentage, say 80% of basic procedure and less for major procedures.  But get a job with UPS, they have excellent insurance!  Or some unions have great benefits too!  Better yet, go work for a dentist, then it is all free!
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
718436
I live in SC but the community health center will do it for like $50 if you are a low-income family. It's not free, but it sure does cost a lot less than the alternatives!
934130
Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nHealth plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\n\nYou might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:\n\n•Hospital room and board\n•Ambulatory services\n•Intensive Care\n•Lab Exams\n•X-rays\n•Prescription medications\n\nThe Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
1187204
have to find a provider, and be willing to match premiums
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....
554496
I feel your pain...I retired to Canada (partially for that reason) a number of years ago and was quite pleased with the health care......a family doctor in Canada is very versatile and can treat a number of ailments including minor outpatient surgery in his/her office...other side of the coin..if you have to go into a hospital, more often than not, unless it is a life or death emergency, you will face a lengthy (several months) wait....now, there IS more to the story....I was able to do this, because at the time, I was married to a Canadian citizen...after a minimum of paper work I was granted health care priviledges...what you would have to do as a non-Canadian citizen to be granted residence in Canada, I'm not sure.........and of course, in this world there is no free lunch, income taxes were considerably higher; and there is/was a modest monthly cost for health care premiums....this was in 1998....if there have been changes since that time, I am not aware of them...........also, I mentioned that was only one of the reasons I moved to Canada...I was living in Victoria, Vancouver Island and it's one of the most beautiful places on earth..the Canadians are great people...ALSO, the U.S. dollar was was about 30 to 40% higher than the Canadian $.....not so now; and it's dropping....so, you've much to consider......good luck!!
218270
I would not say that they are the cheapest or the best.  You should always get a couple of quotes.  Also make sure you meet with someone that can review your situation and determine how much coverage is needed.  Here is a good directory: http://www.findlocalinsurance.com
537019
I have medical health and dental insurance now but not always. I think that I get better treatment and have more options available to me by having insurance. I also think that it depends on how good your insurance is too. If you have crappy health insurance that doesn't cover much then you may as well not have insurance at all. It is a big game with the providers and they are all in it for the money. Some insurance companies bargain with health care facilities and will only pay a certain amount where as some insurance will cover at 100%. Which person do you think they'll kick out of the hospital faster? The one that either can't afford it or they are making little money OR the one that they are getting their whole costs paid?\nSad but true. Scandalous actually but this has been an issue for years. The cost of insurance keeps rising because people that don't have insurance usually don't pay their bills or can't pay them in a timely manner so the person who can afford insurance ends up paying for it with higher premiums or deductibles,etc...
552561
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
1168634
If you are already ill, health insurance will be more expensive. Although that might not be true if you have not yet been treated for your medical condition. If you’re interested in health insurance, you should probably talk with local health insurance agents (link below). Here are a few quick thoughts. I’ve included links in the “Sources” section for each number.\n\n1.Free clinics or county health departments. You might have to pay, but it will be much less than if you go to the emergency room.\n2.Medicaid\n3.Organizations that sponsor people with your condition. I’ve linked below to Needy Meds. Just look up your condition and see if they have links to support groups.\n4.Health insurance through work: if you have been insured within the last two months on a group health plan, such as one through work, then a new group health plan would have to accept you even with your medical condition. Also, group health insurance is cheaper.\n5.State-licensed agents: they can probably let you know about your possibilities of getting and affording private health insurance in about five minutes.\n\nGood luck, and don’t delay in getting help.\nBarnes@MostChoice
439935
methodist group insurance is a good deal cos they cover zillions of clubs, and other social organisations. Cos of the mass cover to so many the premiums are dirt cheap.
286593
I believe if you need dialysis and can't afford it, Medicaid covers that.  That is great help to patients financially.