My COBRA ends soon. Need to find individual health ins plan with a 0 deductible and 0% “co-ins”…?
- Seems like all health ins for individuals have huge “deductibles” meaning i have to pay $2k-$4K of medical costs before the insurance kicks in. I want a $0 deductible like my current ins (which is thru old employer thru COBRA.)
- Seems like they all also have a huge “co-insurance”, 10%-20%, which (i believe but am not certain, which if true means that the nomenclature “co-insurance” is GROSSLY misleading) means that the ins covers only 80-90% of bills, and I have to pay the remaining 10-20%.
These plans are @ $500/month plus all those deductibles and “co-ins” will come out to $10K/year!!
My doctors don’t take most of the individual plans I’ve found except united healthcare and oxford.
I’d pay $1K for a simple plan that simply covered everything.
Help! Does anyone know of any such plans I can get in NYC?
TIA
Paying $1K per month would cost you $12K per year.
Paying $500K per month plus a $2k-$4k deductible would cost you $8K-$10K per year.
The plans that you have found are a better deal than what you are requested. What you say you want would cost more, not less.
If you are still willing to pay $1K per month to avoid having to pay the $2K-$4K deductible out-of-pocket, then sign up for a $500/month and send $500 per month to the insurance company and $500 per month ($6000 per year) to me. After I have received the $6000 from you, I will pay the $2K-$4K deductible for you (and keep the remaining $2K-$4K for myself).
President Obama Holds a Health Care Town Hall in Colorado
|
|
Living with Diabetes: Dr. Draznin’s Plan for Better Health $5.17 Being overweight dramatically increases the risk of diabetes. Research shows that only a permanent lifestyle change can take weight off and keep it off–and thus prevent diabetes in those who might otherwise suffer from this debilitating and dreaded disease. Living with Diabetes: Dr. Draznin’s Plan for Better Health offers a practical and scientifically proven approach to lifestyle change that … |
|
|
The Thinking Person’s Guide to Diabetes: The Draznin Plan $2.27 Based on his successful treatment of thousands of diabetic patients for over 30 years, Dr. Draznin has developed a specific and easy-to-follow plan that combines increased physical activity with critical dietary restrictions. His scientific expertise as one of the nation’s leading diabetologists shines through in his descriptions of how body weight is regulated and what we can do to impact these … |
|
|
Rheumatoid Arthritis: Plan to Win $25.99 Cheryl Koehn used to soak her feet in ice water each morning to relieve the pain and swelling enough to walk. Now she runs a consulting business, skates, and skis. In Rheumatoid Arthritis: Plan to Win, she offers medical, complementary, and self-help strategies to manage the disease and minimize its effects. Koehn and coauthors John Esdaile, M.D., head of the Division of Rheumatology at Univer… |
One Trackback
[...] oxford health plans | Health and Medical Plan Information. [...]