October 21, 2009
What kind of medical insurance do you recommend?
yjc123chris asked:
I am getting jaw surgery within year or two. It is for medical reason. I need to find insurance that can help me to cover the cost. What kind insurance do you recommend and how much will be premium will be?
Doctor told me, the surgery will cost about 15000 to 17000 and another 10000 for more for hospital fee.
I am getting jaw surgery within year or two. It is for medical reason. I need to find insurance that can help me to cover the cost. What kind insurance do you recommend and how much will be premium will be?
Doctor told me, the surgery will cost about 15000 to 17000 and another 10000 for more for hospital fee.
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Comments on What kind of medical insurance do you recommend?
phew! expensive surgery! Well, in this day in age, it is harder to find full coverage insurance because the health care system has gone to sh–. I read an article on this site: about preventative medicine and insurance plans. My suggestion is to start in on one of those health savings accounts and save up. I think the premium is 1,500 and then full coverage after that (not sure on any specific limitations though).
You may try to google it,here has some direct resource that might be helpful.
healthplans.my-age.net – my family have this health insurance. It is affordable and has good coverage for dental issues.
try looking on you will find everything you need to know on there.
Try this site
here you can get quotes from different companies in your area.
You need to determine if this problem has been listed as a diagnosed condition on your Medical Information Bureau.(it is like a credit bureau where medical information about you is listed). Knowing whether you need to disclose this condition is a VERY big issue. Needless to say, if it is a given that you are going to need this surgery, that means that the higher payout probability for the Insurance company.
This does not automatically mean that you cannot get coverage, but it is important to know prior to applying for coverage. Some conditions may have a temporary exclusion or a permanent exclusion. This varies by company.
There are several alternatives if you cannot get a traditional policy. There are guaranteed issue plans that will pay out a specific sum per procedure. These are not major medical plans, but it beats nothing.
If you do qualify for a traditional plan I would suggest a HSA qualified plan that has a 100 percent payout after your chosen deductable. These are great plans.
Obviously if you have a job that offers coverage, you should take that coverage. You will not have to worry about pre-existing coverage.
Contrary to what you hear in the media there are many health plans that are designed for almost any budget.
Good Luck