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Insurance for single person ? - sm

Posted: Jul 28, 2013

I know it is not great, but I am coming to point where I have no choice. Can anyone tell me what the rates are for a single person and whether it covers prescriptions/office visits, what deductible is?

Thank you in advance.

I would like to know too. Heard it doesn't cover anything - until you reach the deductible.

[ In Reply To ..]
I just signed on for the insurance too. I am not sure what, if anything, it covers before I reach the 2500 deductible each year, and after that I think it covers 75% of office visits, etc. Somebody please tell me I am wrong and it covers scripts and office visits.

You're not wrong. - Which plan did you chose

[ In Reply To ..]
If you chose the plan where scripts are only a co-pay, your premium will be more than the other one, but your deductible stays at $2500. You will pay about $30 or less as a co-pay for meds. No, it does not pay for office visits.

If you chose the one that didn't cover scripts with a co-pay, your premium was lower, same $2500 deductible, and it pays for NOTHING until you meet $2500 deductible. Sorry. :(

I really appreciate the honesty, thank you! - Could only afford the 55 dollar from each check.

[ In Reply To ..]
I guess I will be getting the doesn't cover anything insurance. Sounds like the most useless health insurance any company has ever offered me. Must be the special kind of insurance only offered to MTs, can't imagine the higher ups getting offered this kind of insurance.

This is one of those plans that it's smart to - have one of those

[ In Reply To ..]
HSA accounts...where you put money into a special account just to cover the things that will be thrown into the deductible? My problem has always been that if I could afford the insurance premium, I never had enough money left over to save into one of those. Also, if you're starting in the middle of the year, it probably won't do any good because I don't think you can roll those over year after year. Maybe at the first of the year, with just $10 or $20 a pay, or a month? At least it would help. YOu could also put it in your own savings account at the bank. Me..I couldn't keep my fingers out of it! Good luck. And you're welcome for the honesty. Honest is what I always try to be here.

I pay about $200 a month for everything - Health Dental Vision Life

[ In Reply To ..]
They have 2 classes. One class with $2500 deductible with the monthly premium a bit lower, about $25 lower I think. The other class is what I have and pay for because it gives your medications with a co-pay instead of putting them towards your deductible. There is no lower deductible than $2500 and you pay for absolutely EVERYTHING until you reach that $2500 mark. I haven't been to a doctor in 2 years because I can't afford the office visit cost. So, basically, I'm paying $200 a month so I won't have to pay full price for my medicines, which I take 5, and one of them is Imitrex which is really expensive. Hope this answers your question.

True, does not pay for anything until 2500 - MT

[ In Reply To ..]
I took the lower one and it was a mistake. I had 1 doctor visit which was the price for initial visit (350.00) and the medicine he prescribed he said was 11.00. Turned out to be generic 116.00. So I spent well over 400.00 for one visit and one 30 day medicine. Needless to say I never went back for followup visit nor did I get another medicine. I quit last week to work directly for a hospital system which gives decent insurance at 55.00 per pay period and covers office visits and meds. This insurance truly is a rip off, and in my opinion only in case of major medical event which would be so expensive you need insurance right away (of course you still will owe 2500). What did you expect. It is Nasty Nuance.

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