Health Insurance?

aps45819

aps45819

24/7 Single Dad
If a corporate plan were no longer an option, what would be a good choice for a single male with a dependant son?
So far AETNA's PPO plan looks like the best bet
 
awpitt

awpitt

Main Streeter
aps45819 said:
If a corporate plan were no longer an option, what would be a good choice for a single male with a dependant son?
So far AETNA's PPO plan looks like the best bet
Click to expand...

Check into CareFirst's HDHPs. They make you eligible to open an HSA so all of your "out of pocket" costs are tax free and there's no "use or loose" at the end of the year.
 
Chasey_Lane

Chasey_Lane

Salt Life
A PPO plan will cost more than say an HMO. If you're fairly healthy (and boy) and don't visit the doctor often, there's really no reason you need a fancy plan. Look into an HSA as an option.
 
Gilligan

Gilligan

#*! boat!
PREMO Member
A word of advice: Stay as far away from Aetna as you can. Don't take my word for it..check a couple health care providers and see if they will even accept Aetna insurance.

Happiest day of my life was when I got rid of Aetna....
 
awpitt

awpitt

Main Streeter
If you do go to the DOCs a lot (you and boy) and you don't mind having to get referals, and you don't need "out of network" DOCs (ie. when on travel), then HMOs are a good bet. Their premiums are lower and co-pays are lower and there's ussually no deductables.
 
awpitt

awpitt

Main Streeter
Gilligan said:
A word of advice: Stay as far away from Aetna as you can. Don't take my word for it..check a couple health care providers and see if they will even accept Aetna insurance.

Happiest day of my life was when I got rid of Aetna....
Click to expand...

Amen to that!
 
struggler44

struggler44

A Salute to all on Watch
aps45819 said:
If a corporate plan were no longer an option, what would be a good choice for a single male with a dependant son?
So far AETNA's PPO plan looks like the best bet
Click to expand...

Aps, I have Aetna through work and it blows. The provider I wanted to see wont accept it under any circumstances, problem is alot of practices don't take Aetna, too much of a PIA to deal with is what I was told.
 
MMDad

MMDad

Lem Putt
aps45819 said:
If a corporate plan were no longer an option, what would be a good choice for a single male with a dependant son?
So far AETNA's PPO plan looks like the best bet
Click to expand...

I take it you're celebrating that AWESOME email this morning?

Just wait for Obamacare to kick in. Our rates should be going down any day now..... :tap:
 
MMDad

MMDad

Lem Putt
aps45819 said:
:confused: I have till the end of the month to use up 100 hours of sick leave, so I didn't see an e-mail this morning.
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Remember how we had good coverage a few years ago, then it got worse, then went to hell last year?

Bohica. Last year was GREAT compared to what we're getting this year.
 
aliceheimer

aliceheimer

Member
vraiblonde said:
:fixed:

Seriously, CareFirst is $110 per month for an individual policy. Are you responsible for insuring the boy?
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Good to know about the $110 per/mo. rate. for myself. I need to get Health Ins. Now... does anyone buy prescription drugs from Canada? I need to know. I have to take Synthroid... been taking it for 30 yrs. for hypothyroidism. I saw some cheap prices. Is it safe?
 
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kwillia

kwillia

n/a
aliceheimer said:
Good to know about the $110 per/mo. rate. for myself. I need to get Health Ins. Now... does anyone buy prescription drugs from Canada? I need to know. I have to take Synthroid... been taking it for 30 yrs. for hypothyroidism. I saw some cheap prices. Is it safe?
Click to expand...

You can't bank on get a $110 per/mo. rate from a private insurance when you have pre-existing conditions. Heck, my mom didn't have pre-existing conditions and couldn't get anywhere near that rate because of her age... 60 at the time.
 
awpitt

awpitt

Main Streeter
kwillia said:
You can't bank on get a $110 per/mo. rate from a private insurance when you have pre-existing conditions. Heck, my mom didn't have pre-existing conditions and couldn't get anywhere near that rate because of her age... 60 at the time.
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To get a lower premium, you normally have to go for a higher deductable which is why you should look at the high deductable plans that qualify you to open an HSA.
 
ArkRescue

ArkRescue

Adopt me please !
uh oh - that's the PPO plan I'm considering so I can dump my HMO ..... the HMO is limiting and requires I use specified radiology centers which is annoying, and of course you have to get referrals to get specialist care, but in looking at a comparison of the 2 plans, I would spend more money with the PPO for surgical procedures paying 20% of the cost (after deductible). Yikes 20% of a surgery cost can be a LOT. I may end up sticking with my HMO after all?

Gilligan said:
A word of advice: Stay as far away from Aetna as you can. Don't take my word for it..check a couple health care providers and see if they will even accept Aetna insurance.

Happiest day of my life was when I got rid of Aetna....
Click to expand...
 
Gilligan

Gilligan

#*! boat!
PREMO Member
For whatever its worth...I have my 13 year old son under Assurant. Very good coverage for very reasonable cost and I've only gotten smiles from the office staff when I present the card. You want to see someone in the doctor's office scowl or even get downright snippy in a NY second, show them an Aetna card.
 
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