I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.
Other - General Health Care - 2 Answers
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Answer 1 :
I'm not a big fan of HMO's, such as Kaiser, where you have a gate keeper system in place. A gatekeeper system is where you have your personal care physician "PCP" and you have to go through that doctor to get anywhere else (such as OB/GYN, cardiologist, etc.). I do like PPO or POS plans (Blue Cross, Blue Shield, Health Net), AETNA) as I can choose my own physician and I don't usually have to go through them to get a consult with another specialist. When choosing an insurance company at any point in your life, you need to know what you can afford and what your needs are. Find out exactly what each plan covers and doesn't cover, how high of a deductible (the amount out of pocket you will have to pay before your insurance kicks in), what your co-pay will be (flat fee or a percentage of the office visit) and if vision, dental and psychiatric care is covered. An insurance broker may be able to assist you with finding the best coverage for you as well as explain the benefits of each policy. You may also want to make a trip to your school's health department. Some schools offer a low cost health insurance plan or can refer you to a reliable broker. Depending on your age and if your parents are a part of your live, you may want to check with them. If they have insurance through work, you may be able to get coverage under their plan as you are a full time college student. Good luck!
Answer 2 :
I have owned this plan for over 4 years. My sons, 25 in college is included, other son, 22 also included, under $45 a month with numerous extra benefits and easily say it is the best without pre-qualifying yet complete pre-existing conditions included. I am a cancer survivor 1996, yet fully covered no matter what. My mom, 78, is also on my plan and it saves her over $200 a month on her medications. She does not NEED medicare when she has this plan.
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