Who is you Health Care Provider?

[BigBubble 1]

Hi everyone,

I am thinking about getting a health insurance, since it may take some months between I send my AOS paperwork and I get my work permit. So I was looking for some short term health insurance but I am kind of lost. Can anybody give me some suggestions about a good health plan and not very expensive? Yeah, I know it may be impossible in this contry but i feel stress if I don't get any coverage

[kaffy 2]

Can your husband add you to his existing plan?

[Penguin_ie 5,997]

When we first moved over, we took out Blue Cross Blue Shield short-term cover. It is valid from 30-180 days, and you can renew after that if neccessary. It's great cover (ER emergencies, GP visits, ambulance, diagnostics etc), though of course no pre-exisiting conditions are covered.

[BigBubble 1]

When we first moved over, we took out Blue Cross Blue Shield short-term cover. It is valid from 30-180 days, and you can renew after that if neccessary. It's great cover (ER emergencies, GP visits, ambulance, diagnostics etc), though of course no pre-exisiting conditions are covered.

Hi Penguin. How much did you pay for Blue Cross short term cover?

Thanks!

[kaffy 2]

Not Penguin but first you want to check whether BCBS offers their short term plan in your state/county. Go here http://www.bcbs.com/ enter your zipcode and it'll tell you what products are available in your area.

Also, I asked this earlier but can your husband add you to his existing plan? That would be the easiest and most cost efficient way for you to get coverage

[BigBubble 1]

Not Penguin but first you want to check whether BCBS offers their short term plan in your state/county. Go here http://www.bcbs.com/ enter your zipcode and it'll tell you what products are available in your area.

Also, I asked this earlier but can your husband add you to his existing plan? That would be the easiest and most cost efficient way for you to get coverage

Sorry Kaffy that i didn't reply to you before. Unfortunately he can't add me in his plan, that really sucks

I have Bluecross now but since my H1B visa expires soon I will be without coverage untill I can work again

[Penguin_ie 5,997]

We paid 153 dollars for 30 days for myself (35 years old- rates depend on oldest applicant), my husband and two kids under 2 years old with a 1000 dollar deductible for hospital visits, but no deductible for doctor visits (so the kid's vaccination visits etc were fully covered). If it had been just myself, it would have cost 57 dollars.

[kaffy 2]

We paid 153 dollars for 30 days for myself (35 years old- rates depend on oldest applicant), my husband and two kids under 2 years old with a 1000 dollar deductible for hospital visits, but no deductible for doctor visits (so the kid's vaccination visits etc were fully covered). If it had been just myself, it would have cost 57 dollars.

That is really cheap! I have just started a new job and have a 90 day gap between coverage, COBRA is prohibitively expensive so I ended up buying a BCBS individual plan to cover me and my husband until my new insurance kicks in. Unfortunately BCBS don't offer short term plans in Washington state so I'm looking at one of their "regular" plans and the cost is about $400/month for 2 healthy adults (the oldest applicant is 33, $3000 ded, 70/30 coverage). Still, it's cheaper than COBRA which is about 3 times that amount

[BigBubble 1]

We paid 153 dollars for 30 days for myself (35 years old- rates depend on oldest applicant), my husband and two kids under 2 years old with a 1000 dollar deductible for hospital visits, but no deductible for doctor visits (so the kid's vaccination visits etc were fully covered). If it had been just myself, it would have cost 57 dollars.

That is really cheap! I have just started a new job and have a 90 day gap between coverage, COBRA is prohibitively expensive so I ended up buying a BCBS individual plan to cover me and my husband until my new insurance kicks in. Unfortunately BCBS don't offer short term plans in Washington state so I'm looking at one of their "regular" plans and the cost is about $400/month for 2 healthy adults (the oldest applicant is 33, $3000 ded, 70/30 coverage). Still, it's cheaper than COBRA which is about 3 times that amount

I confused about the term "deductible". What does it mean?

[TBoneTX 46,173]

I confused about the term "deductible". What does it mean?

"Deductible" means the difference between what you pay out of your pocket and where the insurance begins paying. Let's say that you have insurance with a $200 deductible for medical procedures. You undergo a procedure that costs $450. You would pay $200, and your insurance company would pay the remaining $250.

Also, please create your VJ timeline!

[kaffy 2]

We paid 153 dollars for 30 days for myself (35 years old- rates depend on oldest applicant), my husband and two kids under 2 years old with a 1000 dollar deductible for hospital visits, but no deductible for doctor visits (so the kid's vaccination visits etc were fully covered). If it had been just myself, it would have cost 57 dollars.

That is really cheap! I have just started a new job and have a 90 day gap between coverage, COBRA is prohibitively expensive so I ended up buying a BCBS individual plan to cover me and my husband until my new insurance kicks in. Unfortunately BCBS don't offer short term plans in Washington state so I'm looking at one of their "regular" plans and the cost is about $400/month for 2 healthy adults (the oldest applicant is 33, $3000 ded, 70/30 coverage). Still, it's cheaper than COBRA which is about 3 times that amount

I confused about the term "deductible". What does it mean?

Have a read of this: http://www.medical-billing-coding.org/Content246.htm

[BigBubble 1]

I confused about the term "deductible". What does it mean?

"Deductible" means the difference between what you pay out of your pocket and where the insurance begins paying. Let's say that you have insurance with a $200 deductible for medical procedures. You undergo a procedure that costs $450. You would pay $200, and your insurance company would pay the remaining $250.

Also, please create your VJ timeline!

TBone thanks for your answer. But what is a "VJ timeline"?

We paid 153 dollars for 30 days for myself (35 years old- rates depend on oldest applicant), my husband and two kids under 2 years old with a 1000 dollar deductible for hospital visits, but no deductible for doctor visits (so the kid's vaccination visits etc were fully covered). If it had been just myself, it would have cost 57 dollars.

That is really cheap! I have just started a new job and have a 90 day gap between coverage, COBRA is prohibitively expensive so I ended up buying a BCBS individual plan to cover me and my husband until my new insurance kicks in. Unfortunately BCBS don't offer short term plans in Washington state so I'm looking at one of their "regular" plans and the cost is about $400/month for 2 healthy adults (the oldest applicant is 33, $3000 ded, 70/30 coverage). Still, it's cheaper than COBRA which is about 3 times that amount

I confused about the term "deductible". What does it mean?

Have a read of this: http://www.medical-billing-coding.org/Content246.htm

Thanks for the link kaffy, it was relly helpful

[payxibka 10,047]

Sorry Kaffy that i didn't reply to you before. Unfortunately he can't add me in his plan, that really sucks

I have Bluecross now but since my H1B visa expires soon I will be without coverage untill I can work again

Just out of curiosity, why can he not add you to his plan?

[BigBubble 1]

I see, VJ timeline. I can't add one because I still didn't send my forms . I am waiting for my vacation time in order to have more time to prepear myself.

His plan just does not allow to join wife or kids, too bad. But anyway i hope I will have one once I get a job. I will just need to have a temporary one.

[chizkeyk 0]

Hi everyone,

I am thinking about getting a health insurance, since it may take some months between I send my AOS paperwork and I get my work permit. So I was looking for some short term health insurance but I am kind of lost. Can anybody give me some suggestions about a good health plan and not very expensive? Yeah, I know it may be impossible in this contry but i feel stress if I don't get any coverage

My then fiance (husband now) include me on his health insurance (medical, dental, vision, prescription) right away. I thought we have to get married first, but then the insurer accepted it me as his "domestic partner" then.

We have United Healthcare for medical, Express Script for RX, Aetna for Dental..... Vision.