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Started By
Message
OT health Insurance experts: Short-term plans
Posted on 2/28/20 at 10:35 am
Posted on 2/28/20 at 10:35 am
Long story short, I have been laid off from my job and I do not have health insurance as of now.
I have been with BCBS of Louisiana for a long time and I was with Vantage for a few months.
BTW, early 50s, non-smoker/drinker, live in NELA, Ouachita Parish.
COBRA is way out there on price.
I see there is 'short term' insurance plans available now.
LINK
BCBS offers 'Bridge Blue':
Bridge Blue
VantageHealth offers several plans as well:
Vantage_Short-Term_Plans
Looking for opinions, recommendations or any other ideas.
I will hang up and listen.
TIA
I have been with BCBS of Louisiana for a long time and I was with Vantage for a few months.
BTW, early 50s, non-smoker/drinker, live in NELA, Ouachita Parish.
COBRA is way out there on price.
I see there is 'short term' insurance plans available now.
quote:
Several new short-term insurance plans are hitting the market in Louisiana, two months after the Trump administration issued a rule expanding access to the limited-coverage products.
LINK
BCBS offers 'Bridge Blue':
quote:
Bridge Blue POS* uses our HMO network, an established network of quality doctors and hospitals throughout the state
Bridge Blue
VantageHealth offers several plans as well:
quote:
These Short-Term plans are limited benefit plans that provide basic healthcare coverage, such as primary care office visit, lab work, diagnostic tests, and emergency service coverage. Discounts on some prescription drugs are also included in these plans
Vantage_Short-Term_Plans
Looking for opinions, recommendations or any other ideas.
I will hang up and listen.
TIA
7
Posted on 2/28/20 at 10:40 am to Reubaltaich
Don’t get sick
Posted on 2/28/20 at 10:59 am to Reubaltaich
The only issue I've found is that your deductible resets during a shorter term. It's much cheaper for me, but I'm young, single, and healthy so may not apply to all or those with dependents.
Posted on 2/28/20 at 11:07 am to Reubaltaich
quote:
live in NELA
Wouldn't call that living. Fortunately, an area too exotic for the coronavirus.
Which one did you prefer? Go with that one.
Posted on 2/28/20 at 11:14 am to Reubaltaich
The short term plan is just that "short term" to get through a gap in coverage.
The big draw back is if something happens "cancer, heart attack, stroke etc etc " once the term is up the coverage is over and you will not be able to renew.
You would be better off getting a real plan but maybe take a $20,000 - $30,000 deductible and use it to cover your arse if you have a major event.
Most of the high deductible plans still cover Rx, preventive care and routine physicals prior to meeting the deductible etc etc
The big draw back is if something happens "cancer, heart attack, stroke etc etc " once the term is up the coverage is over and you will not be able to renew.
You would be better off getting a real plan but maybe take a $20,000 - $30,000 deductible and use it to cover your arse if you have a major event.
Most of the high deductible plans still cover Rx, preventive care and routine physicals prior to meeting the deductible etc etc
Posted on 2/28/20 at 11:14 am to Reubaltaich
quote:
COBRA is way out there on price.
COBRA can usually be retroactive FYI, certainly double check that yours' is. So you have a couple of months to take your time and get normal insurance where if something major happens you can go back and get COBRA.
Again, double check that. But that's one of the reasons it is so high.
Posted on 2/28/20 at 7:19 pm to The Torch
quote:
The short term plan is just that "short term" to get through a gap in coverage. The big draw back is if something happens "cancer, heart attack, stroke etc etc " once the term is up the coverage is over and you will not be able to renew. You would be better off getting a real plan but maybe take a $20,000 - $30,000 deductible and use it to cover your arse if you have a major event. Most of the high deductible plans still cover Rx, preventive care and routine physicals prior to meeting the deductible etc etc
Great info, thanks.
Posted on 2/28/20 at 7:23 pm to baldona
quote:
COBRA can usually be retroactive FYI, certainly double check that yours' is. So you have a couple of months to take your time and get normal insurance where if something major happens you can go back and get COBRA. Again, double check that. But that's one of the reasons it is so high.
Gotcha, I will call my former insurance administrator and check on that.
Just don't want to get caught in an emergency without no health insurance.
Thanks
Posted on 2/28/20 at 9:49 pm to Reubaltaich
Get married to a single female friend with her insurance and join her plan till you find yours.
Then get divorced.
Then get divorced.
Posted on 2/28/20 at 10:22 pm to Reubaltaich
Check into sharing ministries. Much cheaper and no open enrollment.
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