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| Messages 1 - 9 of total 9 in this topic |
malabarista
Trad climber
PA, then AZ, then CO, Now CA, soon OR
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Topic Author's Original Post - Aug 16, 2010 - 06:30pm PT
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Hey folks. I'm on the road and just starting to climb. Right now I have no health insurance. Can you guys recommend any high deductible plans? I figure 5k or 10K deductible is fine. This is only for an emergency.
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Bertrand
climber
California
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Aug 16, 2010 - 07:22pm PT
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Two years running now, I have a good 5k deductible plan from United Healthcare / Called Pacificare in the West Coast.
I pay about 180/month. It is good insurance, and all the doctors take it.
You can find it on e-healthinsurance...and the ppl at ehealth give you awesome confidential advice. (like, how to post-date your climbing injuries)
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reddirt
climber
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Aug 16, 2010 - 07:32pm PT
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It totally depends on the state you are claiming to live in... each state deals w/ health ins so differently. Another vote for ehealthinsurance.
But you do get what you pay for. Look at Layton Kor- he has health insurance & yet has major financial barriers to getting a much needed kidney transplant & follow-up.
I just got a 10K deductible plan (may change to 2.5K however).
edit: my plan is to supplement w/ an ORI snow/mountain/paddle plan to cover the deductible in the event of snow/mountain incidents.
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Jim Wilcox
Boulder climber
Santa Barbara
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Aug 16, 2010 - 08:12pm PT
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My wife and I both have Anthem Blue cross.
I pay $120.00 a month-but I have a $4,000 deductible.
But I've had it now for 4 years, so I figure with average
health insurance at $400.00 a month the high deductible is taken care of.
How is Anthem to deal with claims-wise? Dunno, haven't had to find out, yet.
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bhilden
Trad climber
Mountain View, CA
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Aug 16, 2010 - 10:08pm PT
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My premium kept going up and up (Anthem/Blue Cross) until I finally did a review with my insurance agent. It turns out that under the policy I had, I was eligible for maternity coverage and also non-generic drugs. Removing the maternity coverage and switching to only generic prescription drugs cut my policy by about 60%.
The moral is to make sure you know what you are signing up for.
Bruce
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stevep
Boulder climber
Salt Lake, UT
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Aug 16, 2010 - 10:53pm PT
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Just wait until you get pregnant...you'll be sorry.
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Karl Baba
Trad climber
Yosemite, Ca
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Aug 17, 2010 - 12:15am PT
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Anthem paid OK when I had my Achilles ruptured. I had a $3500 deductable that I'm still paying bills on.
Compare at
http://www.healthcareshopper.com/
Peace
Karl
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bhilden
Trad climber
Mountain View, CA
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Aug 17, 2010 - 04:14am PT
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Stevep,
I mention the pregnancy coverage because when I first signed up for that particular policy it was $100/mo. The premium climbed to about $300/mo after about 7 years which seemed to be in line with the rising health care costs. Then the policy jumped to over $500 in the next two years prompting me to sit down with my agent.
I would strongly recommend that anyone who is self-insured have their health insurance policy reviewed so that you aren't paying for coverage you will never need.
Bruce
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| Messages 1 - 9 of total 9 in this topic |
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