Health Care Coverage ?

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cheryl

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Nov 3, 2005
Posts
64
Any suggestions for a private health care company.  Looking for only major health coverage.  the one I have now (national health care) which I have had for some time and never had to use intill recently has gone up and up and up.  Had only small increase for couple of yrs but once used went up double and a battle to get them to pay out.  Only need coverage for self as husband in VA covered.
Thanks for the information up front.
Cheryl
 

2006F350

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Dec 6, 2005
Posts
393
Location
Memphis TN
You mention your hubby has medical thru the VA. If he is on the military retired roles, you should be able to get Tricare (previously Champus).

Larry
 

cheryl

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Nov 3, 2005
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No not on retired role.  We have to purchase my insurance.  Thanks Cheryl
 

Bob Buchanan

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Philadelphia, PA
cheryl said:
Any suggestions for a private health care company.

Hello Cheryl:

I hear you about rate increases.:(? When I first became self employed (mid eighties) I got a great policy with State Farm. Unfortunately, the rates increased at such a rate I had to continually drop services so I could afford the payments. It got to the point I was only able to cover catastrophic stuff. Was able to finally get in the Kaiser Permanente plan and am very pleased with the current coverage and care I receive.

Some items I like is that I can choose my primary care physician and "he/she" makes all decisions on treatment. I don't have to have treatments approved by an administrator of the plan. Also, they keep up with on-line technologies. If I have a blood test in an AM, I can go to their secure website and see the results by NLT then next AM. Can also communicate with any doctor I am seeing, technicians, or administrators of the plan on-line or order med refills. While on the road, it has never taken more than 5 days to receive a refill regardless of my location -- including General Delivery, QZ, AZ.

The downside of Kaiser is location. They are only in certain States. If they communicate and find that your residence address has changed to a non-Kaiser state, they automatically drop you.? As a full time RVer and as someone who would love to change residence from CA - I am stuck unless I change to another plan or am very careful during my travels out of state or out of a state that has Kaiser coverage. Several years ago I had an event in Houston and spent time in a local ER. They billed Kaiser and I only had to pay the co-payment for an over nite stay. Kaiser has a "travel kit" for just such an emergency. There are other full timers in Kaiser and as far as I know have also been able to travel as much as they want out of Kaiser States. My wanting to move out of CA deals more with other issues such as State taxes, sales tax laws, and dumb politics (IMO).

One can also travel to a Kaiser facility from another State if the trip is not too far. For example, if in Yuma, AZ, there is a Kaiser facility not too far into California. If in Central Texas -- that's not good.? :)
 

Rollie

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Joined
May 31, 2005
Posts
144
You might try this site:
https://www.ehealthinsurance.com/ehi/Alliance?allid=Goo25151&sid=ALL+H-M
 

Ned

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Feb 1, 2005
Posts
25,107
Location
USA
We've had our health insurance through the NASE program for several years and it has saved us a lot of money.  It's a good option for anyone that is self-employed and they do a lot of lobbying on behalf of the SE as well.

No private or group health insurance for an individual is cheap.  I never thought I would look forward to Medicare.
 

Carl L

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Mar 14, 2005
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7,239
Location
west Los Angeles
Ned said:
We've had our health insurance through the NASE program for several years and it has saved us a lot of money. It's a good option for anyone that is self-employed and they do a lot of lobbying on behalf of the SE as well.

No private or group health insurance for an individual is cheap. I never thought I would look forward to Medicare.

Now that you mention Medicare, how close is Cheryl to Medicare age -- the magic date is 65?  The health insurance picture changes completely then.  A the most, a person with need a medigap policy and therer are a raft of government vetted medigap policies.
 

cheryl

Well-known member
Joined
Nov 3, 2005
Posts
64
Thanks for the information, I will be looking all this up.  Not even close to the magic 65  :-\ not that I want to be older but these days with the cost of insurance I sure wish I was.  I must be nuts!  :D
Again thanks for all the information.
Cheryl
 

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