Health Insurance Approval

[ctjwa 0]

Hi all,

I know I've seen the topic of health insurance floating around the board, and it never seems to be one that people have an answer for. I just got my fiancee approved, so here are the details.

I applied for Joana with Blue Cross Blue Shield of the state i live in. I printed the application off the website, and mailed it in. She applied without putting in a SSN, and admitted that she hadn't lived here for the past 12 months. A couple days later somebody called, and I told them that she didn't have a SSN, and to put it through without one, they did (so i guess you should put "none" instaid of leaving it blank). A few days later BCBS sent a big packet from which you have to pick your plan. The one we picked was a $400 deductible, $15 copay for doctor visits, and %20 cost for prescriptions. The premium is about $212 a month. They did have plans with $2000 or $4000 deductibles (you'd have to pay that much incase of a serious accident before the insurance pays the rest) which went for about $120 a month. That one would be good for just basic emergency coverage.

A few days after selecting a plan we got another letter in the mail saying we've been approved. Keep in mind, this is an individual plan, and my name was never mentioned once in the application process. The reason we signed up for insurance is because our wedding isnt for 2 months after she lands here in the US, and we didn't want to go uninsured for that long until my work can pick up the tab.

Hope that helps.