Medical Insurance Questions

[He Man]

It used to be that full time students under 23? were covered under their parents health policy.  I'd check there first.

My whole family is not covered. They grew up in an age where you just didnt have medical insurance.

Priority is to see a mental health pro about my sleeping issues.
then its to get my 4 wisdom teeth removed cause they are bothering the shit balls out of me.

Im not too worried about catastrophic injuries, my moto insurance covers me medicaly, and everything else i do leads straight to death. 

[r_ciao]

Mental health may be one of those gray areas that fall outside of most general health insurance policies so read the fine print.  Sleep therapy sounds a little different and is generally covered i.e. sleep apnea.  Teeth issues are completely different and are covered by dental insurance.

[He Man]

Mental health may be one of those gray areas that fall outside of most general health insurance policies so read the fine print.  Sleep therapy sounds a little different and is generally covered i.e. sleep apnea.  Teeth issues are completely different and are covered by dental insurance.

ah what the hell. Theres no such thing as dental care in med insurance??? thats news to me.

[erkishhorde]

As has been stated before, many schools have a dirt cheap medical coverage program for the students. It's not the greatest but it beats nothing... sometimes. My parents got me Assurant once I became too old to be on their plan and was still in school. It worked out alright and was relatively cheap. Don't remember how much it was though.

And, yeah, dental doesn't count as part of medical. Optical doesn't either. They're each separate but some places will group dental and optical together.

[ducatania]

I've gotten my insurance through eHealthInsurance.com. One-stop for shopping among different insurance companies.

Sleep therapy is covered under regular health insurance. However not all policies will cover it, so look closely at the fine print.

Good luck.

If he's already been diagnosed as needing it, it  will probably be excluded as a preexisting condition.

[Cotton]

If he's already been diagnosed as needing it, it  will probably be excluded as a preexisting condition.

He's correct. 

Go through your school.  If your parents are not covered and you cannot get through work, your only other option is and individual plan and they are far more expensive than a group plan.  Dental is not part of medical, it's a seperate line of coverage. 

[He Man]

never had insurance, never been to a doc for anything other than stitches, so im clean baby!

[Bun-bun]

I have a policy thru Anthem BC/BS that pays 100% of everything over $1200 a year, up to $100k. It costs me $119/month. I can add dental for another $36/month if I wish.
I'm in Virginia, 45 yrs old.
Dunno if they offer coverage in NYC, tho.
Good luck.

[He Man]

im on their site right now and they list this as the type of insurance they provide. Ive heard of HMOs, but nothing else. Is there a common one i shoul be looking for? Or are they all relatively the same?
   

HMO
      

PPO
      

EPO
      

Value EPO
      

Direct POS
      

Empire Prism
      

Empire Total BlueSM HRA
      

Empire Total BlueSM HSA
      

DirectShareSM POS
      

Direct HMO

[cyrus buelton]

Wisdom teeth removal is not health insurance, that is considered dental under most plans......................



I pay 1619$ a year through my employer and that is for Aetna/Anthem Premier, 15/25 co-pay

[darkduc7]

i would go with a ppo plan personally, as it's more widely accepted by doctors. wisdom teeth....ah...what a fun time. when i had mine out, it was partially covered under dental insurance (the extraction part), and partially under medical (the anesthesia, stitches, ect). pretty retarded. you really have to weigh out what plan has the lowest deductible vs. premium, and what plan meets your needs for specific coverage (like sleep therapy). those are the three major parts IMHO. read the fine print for sure.

[He Man]

i forgot i used to work at a hospital made some good friends there that are gonna try to pull some strings for me. hopefully i can get a hook up there since i worked there for almost 4 summers in a row.

[Cotton]

Dude, if you're healthy and just looking for some type of coverage, get an HMO or EPO.  Their in-network only plans and the only difference between the two is that the EPO is non gated (don' t need referral from primary).  I suggest getting a job that has health insurance and getting on their plan.  It will cost you a lot less.