Cheapass health insurance?

B

bomber991

CAG Veteran
Yep, so I turned 23 this month and I can't get covered under my parents health insurance plan anymore. Yeah yeah OMG 23 and living at home, well school is freakin expensive.

Anyways, I'm 6ft, 150 pounds, full time student, non-smoker. I think that's what the quote websites ask for. I'm really just looking for something for emergency care. So it's fine if the deductible is up there in the $7,000+ range. I just don't want to get into some bad accident and end up having a $200,000 hospital bill to pay.

So yeah, whatever is the cheapest is probably going to be the best for me. So let me know what there is.

Thanks.
 
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If you're still a student, health insurance through school is cheap and fairly decent. If you're serious about having a giant deductible, check out the Blue Cross in your state. Your local insurance agent (your car guy sometimes does health also) can probably tell you about all the different plans (although he'll try to sell you on a more expensive one.)

Bottom line:

* school plan will likely be the cheapest one that's actually usable.
* if you really want something you'll never use with a 7000 deductible, you can save a bit of money by using the "emergency only" plan of, say, blue cross.
 
[quote name='djkunai']I'm seriously considering moving to France someday.[/QUOTE]

Seriously, just about anywhere in Europe has socialized medicine. I'd take 20% sales tax over 10,000 hospital bill anyday.

But in all honesty, I feel ya bro. I've been searching myself and school is by far the best I've found. But in general, the phrase "cheap ass health insurance" makes me ROFL.
 
[quote name='matters38']But in general, the phrase "cheap ass health insurance" makes me ROFL.[/quote]

Yeah I saw that and had to come in here and LOL.

Like everyone else suggested just hit up the schools health insurance. Or get a job where they offer some in the meantime.
 
I'm with the others, health insurance through my school (UMass Boston) is a little over $1500 a year and stacks up fairly well compared to the Blue Cross I used to have through my old employer. The only downside is prescriptions max out at $1800 coverage per year, but it sounds like you're pretty healthy so that shouldn't be an issue at all. Anything on your own would probably be a lot more money, plus financial aid/scholarships can be used towards paying for it through school!
 
[quote name='matters38']Seriously, just about anywhere in Europe has socialized medicine. I'd take 20% sales tax over 10,000 hospital bill anyday.

But in all honesty, I feel ya bro. I've been searching myself and school is by far the best I've found. But in general, the phrase "cheap ass health insurance" makes me ROFL.[/quote]

Yea use your school's as long as you can, don't go without any or you have to wait to make a claim even after your coverage starts.

Socialized medicine sucks a**, ask all those Canadians at the Emory clinic in Atlanta paying out of pocket for cancer treatment that they are supposed to get for free. They have to deal with HC rationing. And they have to choose: die waiting for your "guaranteed treatment" or leave the country and fend for yourself. I know I have talked to dozens first hand. They are having to pay for healthcare twice.

Socialized medicine is great if you don't get 'that' sick or have a traumatic accident- but get cancer, a protracted disease or need extended care and you are FUBAR. Half of the people in England who get advanced colon cancer like my dad's die before they ever get surgery.

It's a sweeping generalization but it's accurate to say socialized medicine is good for the young and the illegal. It only guarantees you "access" to health care, you may never get it.

You also shouldn't sweat the bad accident thing, hospitals are forbidden from denying critical care from trauma victims even if uninsured; Why do you think hospitals like Dalton's Hamilton medical center are perpetually 'in the red' from uninsured illegal immigrant treatments.
 
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