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I found my insurance coverage through ehealthinsurance dot com.
I have individual coverage from BCBS for $228 per month, $500 deductible. There is a copay for visits, but routine care/mammos/etc. are covered. It used to be $185/month but that went up when I turned 42. When I first got the coverage, they said I had a pre-existing back problem that they would not cover for the first year, so I upped my Pilates to prevent back problems. So far, I haven't had any back problems since. Interestingly, they never mentioned my 20-year standing eye issues, and they cover that without question. I don't take any meds, but I have gone to the ER for slamming my fingers in a car door and a serious ear infection. Covered, and the meds were covered, too (at least partially, if I remember correctly).
I could never afford Oakleaf's premiums. That's twice my mortgage payment!
Good luck.
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Oh, it's definitely regional. My company provides health insurance for us (luckily!) and it's actually very good - for most of the company. The three of us out in Colorado don't get the coverage that the rest of the company has, though, and many aspects aren't covered until you hit the max out-of-pocket (like PT. And having a kid). Also our vision insurance covers...nothing. I think we get 15% off of Lasik, or something.
That being said, at least we HAVE a max out-of-pocket. Plus we have additional coverage through someone else for 75% of the deductible, and I will not be bankrupted by my recent bike wreck.
I might even have enough left over from the original bike-savings-account to buy a bike again when I can ride :)
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Re:
I have two ULIPs which bought for my children in 2003. I paid the premium religiously for three years. But to my shock my investment has not grown even after6 years. After reading some reviews on MouthShut..
Smith.
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what the heck is a ULIP? Google brings up nothing related to insurance, that's for darn sure.
