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United States! Do You Purchase Private Health Insurance? email this discussion to a friend?

myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life5 months ago

I had a time trying to figure out what interest to put this into. I see plenty of discussions, in politics, about government subsidized health insurance but that is not the info I am after.

Who, here, has to purchase private health insurance because their employer or their spouse's employer doesn't provide benefits?

Are you pleased with your options/coverage/deductibles?
What company did you choose?
Can you share any info, estimated cost, etc?

There are SO many companies and so many options I thought I would petition the Lot first.

I am also wondering about those that are not US citizens, what health insurance options have you found for coverage for you and/or your family?

 
 
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doubleloveyou (830) response was accepted on 7/22/2009.
denotes best response.
tags:  insurance, private insurance, insurance options, health insurance, health insurance options
 
1. myLot reputation of 88/100. khayshenz (968)   ranked 2,837 out of 37,632 in life   5 months ago

I don't purchase health insurance since my employer is paying for most of it. I'm please with it so far. Not too fussy and the doctor is definitely better than my other doctor.

My grand parents are not US Citizens yet - they are green card holders, however. Their health insurance is actually with the state called MediCAL. And as far as I know - it's better than anything they've had! I can tell too! Because my grandmother had really bad diabetes when she was in the Philippines. For the first year that she was here, the doctor had her on insulin. Now she's not on insulin anymore, and on regular diet. MediCAL is great!

So my state already have "universal insurance" - that's why I don't think Mr. President should enforce HIS universal insurance. He should enforce it to states - and require them to have insurance for their constituents. I don't mind if he gives them a leg up with the stimulus money! But make the local people pay for their insurance through taxes or whatever.


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

MediCal, hhmm I wonder if each state has something similiar?


myLot reputation of 88/100. khayshenz (968)   ranked 2,837 out of 37,632 in life  5 months ago

I don't think so - that's why the whole fuss with universal insurance. Because if every state have some kind of mediCAL - then everyone should have "insurance" so to speak.


myLot reputation of 88/100. khayshenz (968)   ranked 2,837 out of 37,632 in life  5 months ago

Though it would be an interesting find, if the states already have such a thing as MediCAL, then why do we need universal insurance?=P

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2. myLot reputation of 97/100. doubleloveyou (830)   ranked 1,155 out of 37,632 in life   5 months ago

Hello Irish,
No, I do not. I have it through my work.
I wish I could help you to decide. I believe that differant companies would cater to different needs. I.e. If you have a family with young kids you would go with a more comprehensive plan as opposed to if there are 2 of you in fairly good health.

One thing that you may do is look at the different plans. See how much you would save by removing some of the "extras". In order to cover for those areas take how much you would save and invest that amount in a Money Market or something similar that gains you a little but is easy to access in case of emergency.

It is good to hear from you.

Pastor G


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

Hey pastor Dub! Thanks for that info, I appreciate it!


myLot reputation of 97/100. doubleloveyou (830)   ranked 1,155 out of 37,632 in life  4 months ago

Thanks for the BR. I do hope the information helped you. Let me know if there is anything else that you need.

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3. myLot reputation of 76/100. MYKLJ999_VERSION_2 (2983)   ranked 2,414 out of 37,632 in life   5 months ago

My employer doesn't provide it and I can't afford it...so if I have health problems, I'm just pretty much screwed.


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

That sucks, mykl. I have a personal issue against insurance companies anyway. Legalized extortion(did I spell that right), but you know what I mean.

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4. myLot reputation of 97/100. ShellyB (3007)   ranked 1,304 out of 37,632 in life   5 months ago

I have not but I have consider it for Frank for sometime.
I just have not done anything about it.


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

Yea..it's a bit overwhelming to even look into it, isn't it?


myLot reputation of 97/100. ShellyB (3007)   ranked 1,304 out of 37,632 in life  5 months ago

Yes, it is,
I am not sure what to do, I know we all need insurance btw.

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5. myLot reputation of 92/100. glords (1435)   ranked 719 out of 37,632 in life   5 months ago

There was a point in time that I needed to purchase health insurance. I shopped around and the deductibles were outrageous. The ones that I could afford, really didn't pay much, so even with insurance I would have avoided going to the doctor asap. I decided at those prices I would pass after all I was single and had no children. I went for a couple years without health insurance, and without seeing a doctor. Now that I am a parent I know that going without health insurance is out of the question. Thankfully my husband's work provides UHC for the employees. Even so we have to pay 4000 dollars out of pocket each year before they pay anything. That is a lot of money, and yet we make it every year. Once we hit 4000 everything else is paid in full.


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

I know, it's so totally overwhelming.

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6. myLot reputation of 95/100. dawnald (9216)   ranked 281 out of 37,632 in life   5 months ago

I haven't been in this boat. My brother-in-law is a contractor and he uses Kaiser. He's quite happy with it. I wouldn't like it because I wouldn't be able to choose any doctor I want.


myLot reputation of 92/100. Irishfrndly65 (7251)   ranked 472 out of 37,632 in life  5 months ago

Ok...I'll look into that is is Kaiser Permanente, do you know? Am I even spelling that right? LOL!

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7. myLot reputation of 0/100. IDinySqueek (109)   ranked 37,478 out of 37,632 in life   5 months ago

Your name has IRISH in it..yet ya go on aboot UNITED STATES....
ya diny even ken whit ye ur....except yer a fookin numpty o a squeeler..

Oh & ye will huv to come oot sumtime...unless o course ya want
yer personal assistants to talk fur ya...

Irish my fookin a$$!

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8. myLot reputation of 85/100. camomom (3401)   ranked 1,102 out of 37,632 in life   5 months ago

I've never had to do this and wouldn't know where to start if I needed to. I hope you find what you're looking for.

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