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
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