Need some health insurance - Health Insurance Issues Message Board

suxcee_ahhlee · 07-10-2003, 12:59 AM

soon to be 21, working, need any help on where to find some good insurance

Shaman · 07-11-2003, 04:56 PM

Where do you live because it makes a difference. Do you have insurance now? Do you have a primary care doctor? Do you like him/her? Do you have any conditions that you are being treated for?

All of these things make a difference. By the way, if by "good" you mean inexpensive, you may have to settle for major medical coverage.

suxcee_ahhlee · 07-13-2003, 12:12 AM

all i can say is i live in nyc

Shaman · 07-13-2003, 07:52 PM

I would suggest that you do some research starting with some of the bigger insurance companies and the different choices that they offer. Some of them such as Healthnet and Blue Shield actually offer quotes online. You need to get educated about the difference between a PPO and an HMO and decide which is better for you.

As I said before, if cost is your biggest concern then you may have to look into a major medical plan. These plans tend to be more inexpensive than an HMO, but they don't cover any costs until you are 5-10K out of pocket in any given year. Sort of insurance for those who never get sick.

Good luck on your quest

frankie0032002 · 07-15-2003, 12:51 PM

HI,

I use to live in NYC about 7 months ago and needed insurance. One thing I can tell you if you can work for a company that provides insurance thta is you best bet. If not there are only two companies in New York that will give you indivual insurance and they are:

Humana Health Care
Oxford Heath Insurance

You are looking to spend at least $350.00 a month on any health insurance in NY. Hope this helps you.