I'am a student, I need help choosing health insurance plans...?!
Question: I'am a student, I need help choosing health insurance plans!.!.!.!?
My main concern is with paying for meds!. I'm with Bluecross right now and they aren't covering the meds I need!. I take adderall & buspar, they make me pay $135 at the pharmacy for them, each month and before December 2007 it was $35 only!.
I really want to switch insurance plans, but I don't know how to compare rates!. What should I look out for!? I have the PPO plan with Bluecross!. That means I can generally go to any hospital right, if an emergency occurs!?
My university is offering $250 per quarter, which is a way better rate!. How are university health insurances on pharmaceutical coverage!?Www@Answer-Health@Com
I really want to switch insurance plans, but I don't know how to compare rates!. What should I look out for!? I have the PPO plan with Bluecross!. That means I can generally go to any hospital right, if an emergency occurs!?
My university is offering $250 per quarter, which is a way better rate!. How are university health insurances on pharmaceutical coverage!?Www@Answer-Health@Com
Answers:
The best way to compare plans is with your past experience levels!. For example, if you are relatively healthy and only see the Dr!. a couple times a year for med checks, then a low monthly premium plan with a high deductible and office co-pays make sense!. If Rx is a huge cost, then calculate the plans based on how much you spend in premiums vs!. out of pocket at the pharmacy!. It may be more to your advantage to pay more in monthly premiums to have better Rx coverage!. Also, Preferred Provider Organizations (PPO's) tend to cost more monthly and with higher out of pocket expenses then a Health Maintenance Organization (HMO) which is more restrictive, but generally costs less and has lower out of pocket costs!.
School plans are generally OK, but usually have limitations or "caps" on what they will spend!. For example, the Rx benefit could be limited to $1,000 per year and then you pay the rest!. Be careful of the limitations and exclusions, especially in regards to which provider, hospital or pharmacy you can use!.
If you are on an individual plan with BCBS, talk to them about other plan options such as an HMO, High deductible health plan, etc!. based on the coverage you feel you need for the year!. Aetna and United are other well known national carriers with good rates and you may have other options in the state you live like Cigna or Kaiser!.
Sometimes it helps to go to an insurance broker to go over coverage, premiums, etc!. and sometimes you may get a discount, (on auto insurance for example), for combining multiple coverage with their office, (auto, life, home, etc!.)!.
I've included the link below for the Dept!. of Health and Human Services and HIPAA which regulates your privacy, pre-existing conditions and other useful information not related to insurance rates!.
Good Luck, hope that helped!.Www@Answer-Health@Com
School plans are generally OK, but usually have limitations or "caps" on what they will spend!. For example, the Rx benefit could be limited to $1,000 per year and then you pay the rest!. Be careful of the limitations and exclusions, especially in regards to which provider, hospital or pharmacy you can use!.
If you are on an individual plan with BCBS, talk to them about other plan options such as an HMO, High deductible health plan, etc!. based on the coverage you feel you need for the year!. Aetna and United are other well known national carriers with good rates and you may have other options in the state you live like Cigna or Kaiser!.
Sometimes it helps to go to an insurance broker to go over coverage, premiums, etc!. and sometimes you may get a discount, (on auto insurance for example), for combining multiple coverage with their office, (auto, life, home, etc!.)!.
I've included the link below for the Dept!. of Health and Human Services and HIPAA which regulates your privacy, pre-existing conditions and other useful information not related to insurance rates!.
Good Luck, hope that helped!.Www@Answer-Health@Com