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snehulak
Joined: 20 Nov 2005
Location: USA
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 Posted: Thu Sep 27, 2007 8:25 pm Post subject: Health insurance in the USA |
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Can anybody recommend a good provider of short-term health insurance in America? I will be home for about two months in between contracts, and would like to get coverage that equates to what most employers provide their employees. I'm looking for recommendations about specific providers and plans, from those who have experience with this sort of thing.
I couldn't find anything specific in the site search, and google searches provided results that were confusing to say the least.
Thanks. |
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Bibbitybop
Joined: 22 Feb 2006
Location: Seoul
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| Posted: Thu Sep 27, 2007 9:14 pm Post subject: |
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I was going to do this when I visited the US recently, but ended up rolling the dice and saying fk it. I used the following two websites. You just throw your info in there and get quotes from different companies. You can sift thru different plans with different costs and benefits. I though some plans were good around $40 a month, but with a $35 or $40 enrollment fee, I didn't want to pay $75 for just 30 days of coverage.
http://www.short-termhealthinsurance.com/
http://www.ehealthinsurance.com/ehi/short-term-health-insurance.ds |
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Tiger Beer
Joined: 07 Feb 2003
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| Posted: Thu Sep 27, 2007 9:23 pm Post subject: Re: Health insurance in the USA |
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| snehulak wrote: |
Can anybody recommend a good provider of short-term health insurance in America? I will be home for about two months in between contracts, and would like to get coverage that equates to what most employers provide their employees. I'm looking for recommendations about specific providers and plans, from those who have experience with this sort of thing.
I couldn't find anything specific in the site search, and google searches provided results that were confusing to say the least.
Thanks. |
You'd probably have to pay an arm and a leg for the same coverage that employers pay employees.
It involves plans where you can see this doctor, but not that doctor, he's covered, but he's not, etc. It's a mess. If you had any strange medical condition you were trying to have addressed and tended to, you'd be denied by the insurance companies I'm sure. They only want to only cover those who are healthy.
Usually people just buy the 'if you get in a serious accident' insurance for just travelling. Maybe that is all you really wanted? |
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dogshed
Joined: 28 Apr 2006
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| Posted: Fri Sep 28, 2007 7:55 am Post subject: |
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| Bibbitybop wrote: |
I was going to do this when I visited the US recently, but ended up rolling the dice and saying fk it. I used the following two websites. You just throw your info in there and get quotes from different companies. You can sift thru different plans with different costs and benefits. I though some plans were good around $40 a month, but with a $35 or $40 enrollment fee, I didn't want to pay $75 for just 30 days of coverage.
http://www.short-termhealthinsurance.com/
http://www.ehealthinsurance.com/ehi/short-term-health-insurance.ds |
That's really cheap. That makes me suspicious. They state right out that they are not COBRA and they do not cover preexisting conditions.
It's nice when health insurance pays for little stuff under a $1000, but what we really need is long term care. If you get any kind of condition that will need lots of expensive treatment over a long period of time like a heart attack or cancer then there's a good chance in most plans that you will loose your coverage at some point.
COBRA was supposed to fix this, but it really doesn't. |
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