Best and most affordable individual family health insurance? | TigerDroppings.com

Posted byMessage
Captain Want
LSU Fan
Member since Nov 2009
1433 posts

Best and most affordable individual family health insurance?


Any tips are appreciated. Looking at Blue Cross BlueMax or BlueSaver programs now. Thanks.






Back to top
Share:
wegotdatwood
Arkansas Fan
Member since Aug 2009
17094 posts

re: Best and most affordable individual family health insurance?


Tri-Care for me.

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

$195 for family.






Back to top
Tigerpaw123
USA Fan
P'ville
Member since Mar 2007
8769 posts

re: Best and most affordable individual family health insurance?


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






Back to top
tiger91
LSU Fan
South of Lafayette
Member since Nov 2005
12843 posts

re: Best and most affordable individual family health insurance?


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!






Back to top
matthew25
Ole Miss Fan
Member since Jun 2012
3289 posts

re: Best and most affordable individual family health insurance?


So, what is your premium for your family of 5?





Back to top
Vols&Shaft83
Tennessee Fan
Member since Dec 2012
8876 posts

re: Best and most affordable individual family health insurance?


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.






Back to top
tiger91
LSU Fan
South of Lafayette
Member since Nov 2005
12843 posts

re: Best and most affordable individual family health insurance?


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.






Back to top
matthew25
Ole Miss Fan
Member since Jun 2012
3289 posts

re: Best and most affordable individual family health insurance?


Sounds like a good deal.

Do you have a separate dental plan?






Back to top
tiger91
LSU Fan
South of Lafayette
Member since Nov 2005
12843 posts

re: Best and most affordable individual family health insurance?


Haven't found a dental plan that's worth having with being an individual policy.





Back to top



Back to top