Health Insurance

S

sbryan

Well-known member
Graduating means losing my health insurance coverage.

It doesn't matter to me if the policy is temporary or long-term, but here's what I'm looking for:

  • $1000-$1250 Deductible on Major Surgery
  • $~725 Hospital Stay Fee Waived
  • Vision Checkup Co-Pay or Covered
  • International Travel Covered
  • Minimal 2nd Year Rate-Jacking -- 3-5% increase as opposed to 25-30%

What companies should I be looking at? What else should I be mindful of?

Also, I'm healthy. No conditions that would preclude me from coverage, non-smoking, 6'4" 180lbs., exercise regularly, and no drug or alcohol addictions.... If my health influences who you recommend.
 
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Maybe get a job with health insurance? Planning on working for yourself? Just shop around.
 
Depends if you want short term insurance or long term insurance, do a websearch on both, see what monthly fees you can afford to pay, and go from there. If you are healthy and not a health risk (or paranoid about not having insurance) I say wait until you get a job and see if you are covered, if not, then get insurance.
 
Charli said:
Depends if you want short term insurance or long term insurance, do a websearch on both, see what monthly fees you can afford to pay, and go from there. If you are healthy and not a health risk (or paranoid about not having insurance) I say wait until you get a job and see if you are covered, if not, then get insurance.
Click to expand...

Being healthy shouldn't stop you from getting coverage....you never know when something could happen...God forbid. Get coverage, you can't put a price on your health.

I get coverage through a New York State plan for small business owners or self-employed people. Check with your state.

Like my Grandpa always said, "If you don't have your health, you don't have anything."
 
Good point . If you are young and in good shape. You might just look at major medical. Forget all the eye checks and other stuff.
 
If you are single, man I'd skip it.
I use to trade videos for stitches and patch ups back in the day.
It was as easy as bringing it up in the same conversation my lack of coverage came up.
Now, don't get me wrong. It resulted in gangreen twice and the loss of a nut at one point but thems just details.
lol
 
Before joining the IA I got my health insurance through the National Association for the Self-Employed (NASE). It was a very good deal (at least, I remember it being a very good deal).

Don't know if they're still around but you might check it out.
 
At your age, you can probably get it for so cheap that it's not worth the risk of going without it. You could get into a car accident tonight; you never know.

Of course, the least expensive time to get it, if you're healthy and single, seems to be your early 30s.
 
i get mine through golden rule. pretty good plan and i pay $180/month for myself and my wife. not too bad. it's waaaaay better than the plans my consulting company offers. i was actually just looking through plans to add maternity, and everything i've found is worthless. as in costs more than it would pay out. we keep moving family plans back just because of f***ing health insurance.

i'm not gonna lie, moving to canada or some other country with socialized healthcare is looking like a better and better option each day. i'm trying to be responsible and take care of everything the right way, and all roads lead to me being broke. it's re-damn-diculous.

by the way, keep staying healthy. you gotta have health insurance, but do everything in your power to avoid needing to use it.
 
A lot of young adults these days are skipping health insurance when they graduate as they can't find a job or can't find a job with insurance. Some prefer to take the risk of going without it for a year or two because of the expense.
 
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