(Closed) Health Insurance Decisions…

posted 6 years ago in Wellness
  • poll: If you were in our situation, what would you do?
    Get the cheapest health insurance policy, and somehow find a way to cut your monthly expenses : (11 votes)
    92 %
    Go a year without health insurance : (0 votes)
    I can think of another option for you -- and have commented with ideas! : (1 votes)
    8 %
  • Post # 4
    Member
    2622 posts
    Sugar bee
    • Wedding: November 1999

    Have you priced out private insurance out there? There are some that are basic for a good price. I know a few friends who have gone this option.

    Remember though that you would be paying with post tax dollars vs. pre-tax

    Post # 5
    Member
    2425 posts
    Buzzing bee
    • Wedding: May 2012

    How would the situation change in a year? Would health insurance be less expensive then? Or will you be done with grad school and are assuming you will have a better option if you get hired?

    What are your ages, and do you have any health concerns now?

    Personally, I am also afraid of being without health insurance for a year, but currently am going without vision and dental insurance. Could you cut those as non-essentials? (dental cleanings aren’t that expensive on their own)

    Post # 6
    Member
    4046 posts
    Honey bee
    • Wedding: November 1999

    Does your grad school offer insurance plans for students/spouses? Perhaps Darling Husband can be on his employer plan you can can be on a private plan or grad school plan?

    I know people who did just fine without insurance, but I also know a few people who got into serious trouble because they didn’t have it. I don’t think going without insurance is a good option at all.

    Post # 7
    Member
    1710 posts
    Bumble bee
    • Wedding: May 2013 - Walt Disney World

    @MrsEdamame:  I agree with the comments of the PPs above.  If you are able to get the cheapest insurance option, I would say go for it.  Researching other private insurance companies may also get you a better rate, at least temporarily until you guys are more financially steady.  After a year, will your Darling Husband be promoted and that is why you are forecasting being out of insurance for that time?

    I am in a similar situation.  I used to be fully covered through the military but am no longer active duty.  I have benefits as a veteran with the VA but getting (and keeping) an appt is ridiculous.  After having a pending appt for 3 months (just to get a PCP established so I could get an OB/GYN referral for BC), they called to tell me the doctor wouldn’t be in and the next available appt would be in March (which at the time of appt cancellation was 6 or so months in the future!).  I was put on a wait list but alas, never received a phone call.  Now, I’ve been out of BC for over 3 months and finally decided to make an appt with Planned Parenthood and pay out of pocket.  I’m now on Day 3 of my 1st pack, no thanks to the VA.  I hope and pray that nothing serous happens between now and the wedding (next May) when I will be able to have health insurance through my FH.

    The topic ‘Health Insurance Decisions…’ is closed to new replies.

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