Insurance Question?

[Irulan]

To go back to OP's question, if you are in an accident, and it's someone else's fault, yes, their insurance should pay. Ideally your insurance wil deal with their insurance and you don't have to do much. This is if you are dealing with a good insurance company.

There are a couple of scenarios, depending on how YOUR insurance operates.
1. Your insurance pays the bills and deals with going after the other guy, you pay nothing.
2. You pay the bills, submit them to your insurance for reimbursement who then goes after the other guy.
3. You try and get their insurance to pay directly. Remember it's the other guys insurances job to give you as little as possible.
4. You pay out of pocket and try to get the other guys' insurance to reimburse you.

[WindingRoad]

I have been looking long and hard at United Healthcare's major medical plan. It sucks but I really can't afford to get decent major medical AND have options for routine care. I can afford dental but that is about it, I am on a grad student budget and there isn't much fudge room. I have insurance now through Assurant and it's pretty lame for what I'm getting. It has a 3,500 deductible and is still only going to cover the big things. The plan with UH I'm looking at has a lower deductible and I have the option to add dental for $20 extra per month. I realize this isn't the ideal situation but I have to make some sacrifices. Aghaa I just don't know what to do!

[Crankin]

Wow, I believe there is a regional, or even a state-by-state difference. Before our mandated universal health insurance law, my son had good coverage for about 250.00 a month when he first graduated. I have no idea how he found this. After a year, the law passed, and he was able to get excellent Blue Cross coverage for $200.00 a month. It has a reasonable deductible, dental coverage, pays for check-ups, etc. Since he works for a company with 7 employees, he does not get health care. This is his last week there, after five years. His new employer offers 2 levels of plans (premium and basic) which seems reasonable for a single person, but is really a lot for couples (he's getting married next year).
I know some people don't think our law is good, and some think it's the work of the devil, i.e. socialism, but without it, my son would have had a real issue getting insurance, since he obviously does not fall into the "free care" category, but he doesn't make a huge amount of money. He has used it a few times and never had any problems and he has a decent pcp affiliated with Brigham and Women's.

[tulip]

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.

[sj73008]

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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[Irulan]

what the heck is a ULIP? Google brings up nothing related to insurance, that's for darn sure.

[jessmarimba]

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