Best and most affordable individual family health insurance?
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Best and most affordable individual family health insurance?
Posted by Captain Want on 2/13 at 2:36 pm
Any tips are appreciated. Looking at Blue Cross BlueMax or BlueSaver programs now. Thanks.


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Posted by wegotdatwood on 2/13 at 2:46 pm to Captain Want
Tri-Care for me.

$51, 1k max out of pocket for single.

$195 for family.



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Posted by Tigerpaw123 on 2/13 at 3:00 pm to Captain Want
Price several products from several companies and see how they come in

Understand your policy and know what you have

one company may be better or worse for you vs other people depending on age and answers to health questionnaire



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Posted by tiger91 on 2/13 at 7:51 pm to Captain Want
Hey ... we have BCBS Blue Saver for our family of 5. We have a 5600 ded (includes all of us; doctor visits/prescriptions all go to it) and then we have 80/20 copay once we meet that. We went from 100% copay to 80/20 to bring the premium down. We have had this policy for a LONG time, as in more than 12 years.

We've only me our ded 1 time in all that time .. met it on 2/14 of one year and at the time had 100% coverage for the rest of the year. BCBS was great and never had a problem.

We put it on paper ... premium x12 + 5600 ded = less than the premium per month x12 months to have copays for MD visits, prescriptions, etc. In that case we'd have 3 ded to meet (although they were lower).

This works for us ... I now people freak out when we tell them what our ded is but again, it works for us and we got tired of paying the premium for copays that we seldom used.

Good luck!



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Posted by matthew25 on 2/13 at 10:46 pm to tiger91
So, what is your premium for your family of 5?


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Posted by Vols&Shaft83 on 2/14 at 8:10 am to wegotdatwood
quote:

Tri-Care for me.

$51, 1k max out of pocket for single.

$195 for family.





Best medical insurance you can get, but I'm assuming OP cannot because he's not military.



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Posted by tiger91 on 2/14 at 9:03 am to matthew25
Right over $500 per month if I recall correctly ... husband pays the bills but it's in that area.

Wife 43, husband 43, 20, 15, 12 for the kids (not that it matters). No preexisting conditions ... 1 knee surgery for me in 2003 and 1 hernia repair for him 1 month ago. 1 minor outpatient surgery for the 12 yo when she was 2 ... they've all had a broken bone at some point. Other than that we've got great health.

In fact our premium went DOWN by about $12 per month last time it was the "premium notice" time.



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Posted by matthew25 on 2/14 at 1:26 pm to tiger91
Sounds like a good deal.

Do you have a separate dental plan?



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Posted by tiger91 on 2/14 at 6:34 pm to matthew25
Haven't found a dental plan that's worth having with being an individual policy.


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