(Closed) Health insurance overload

posted 5 years ago in Wellness
Post # 3
Member
9143 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

Most cheap individual plans won’t cover vision. Go to somewhere like Walmart for a cheap vision exam. Then order your glasses and contacts online. I like to use http://www.coastal.com.

for medical: An HMO can be confusing but is usually a good cheap option. Try Aetna and Humana.

Post # 4
Member
11234 posts
Sugar Beekeeper
  • Wedding: August 2013

Can you not just pay out of pocket? I haven’t had insurance for almost 10 years now and HAVE to go to the eye doctor every year. I get a cash discount for the exams and order my glasses from either coastal.com (also order contacts here) or zennioptical.com. I can get a pair of glasses from Zenni for about $50 (which includes the frames and lenses, plus upgrades for thinner lenses since I am blind), and a year supply of contacts for $150. Your first pair of glasses from Coastal is free, and then they’re usually fairly cheap after that (as long as you don’t pick $$$ frames).

Post # 5
Member
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

Vision insurance is separate from regular health insurance. You’ll either have to buy a specific plan or pay out of pocket. It’ll likey be cheaper to just pay out of pocket!

 If you only have $100/mo for regular health insurance, it isn’t likely that you’ll find private insurance in your budget, unfortunately….most employer plans cost more than that, and they are heavily subsidized and have a group discount.

Post # 6
Member
3589 posts
Sugar bee
  • Wedding: January 2000

@cloverbug:  For heaven’s sake, just go to an eye doctor and pay the fee. It’s not that expensive.

We pay dentist and optician fees all of the time out of pocket.

PS congrats on getting into vet school, that’s dstardly hard!

Post # 8
Member
3160 posts
Sugar bee

@cloverbug:  You can get cheapish health insurance but it won’t cover vision unless you need major surgery.  

Be careful about getting it online though because there are tons of scams out there that are not really health insurance.  For example, a guy at work thought he had great insurance but it turned out to be a scam and he ended up with a $20k hospital bill. It was a small business where we were reimbursed for our premium. Go for the big, reputable companies. In NC, it’s places like BCBS, Cigna, and Wellpath. Also, keep in mind that these plans will not cover pregnancy.  You will have to pre-plan for that and buy separate insurance. Oh, your school should have some kind of student health insurance plan though.

By the way, getting your vision checked isn’t that expensive. I got a yearly exam I paid out of pocket each year that wasn’t covered by health insurance. It was around $100 plus glasses and contacts.

Post # 9
Member
3689 posts
Sugar bee
  • Wedding: December 2011

I paid out of pocket a while back to see the eye doctor at Walmart.  The exam for contacts was $95.  

Try looking at the big companies for health insurance, like Blue Cross, Humana, and Golden Rule (the individual section of United).

Post # 10
Member
6826 posts
Busy Beekeeper
  • Wedding: June 2011

Well some health insurance will cover an eye exam. Most people don’t know this.  I work in health insurance. But if you need glasses/contacts you may want to get vision insurance. 

Also check into with your parents health insurance with Obamacare you should be able to stay on their insurance until the age of 26

Post # 12
Member
12250 posts
Sugar Beekeeper
  • Wedding: May 2013

Yeah, you should be covered until 26 with the new healthcare bill…

Post # 13
Member
3160 posts
Sugar bee

@cloverbug:  My former housemate’s sister got a plan through Cigna that cost $80/month. The deductible and copays were high but it is the best for the budget. You won’t get great coverage for $100/month but it is better than nothing. I had great coverage (which didn’t include vision, pregnancy, or dental) from Wellpath and it ran $259/month. In fact, that health insurance plan is better than my company paid plan through my new job and it supposedly pays $445/month for employees. 

Post # 15
Member
3771 posts
Honey bee
  • Wedding: August 2013 - Brookfield Zoo

A high deductible plan is really only good if you plan to use your insurance a LOT (as in you’re extremely sick and will be spending more than your deductible and out of pocket maximum) or if you don’t plan to use your insurance at all, so you’ll get a cheap rate but maybe only need insurance once (plus wellness exams like a yearly physical would be fully covered by law).

Honestly I think the very easiest plan to use is an HMO; the biggest thing about it is that you must make sure that the primary care doctor you want is within the insurance company’s HMO network.  But with an HMO, you’re pretty much only paying a copay each time you see the doctor, and the premium should be cheaper than PPO plans because of the managed care aspect (you see your primary care doctor first for anything except ER, if your problem is more than they’re trained in they will determine what you need and give you a referral to see a specialist).

I don’t know too much about premiums, but I agree with pp who say to stick with a bigger brand name company so you don’t get screwed!

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