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+--- Thread: Web site that compares private health insurance plans? (/showthread.php?tid=93181)
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Web site that compares private health insurance plans? - Black - 02-22-2010
I need to research private health insurance for a patient that wants to buy it (some complicated story about not being able to continue with state support because his wife won't sign some sort of papers.)
Needs to cover therapy for issues relating to past motorcycle accident.
I think he's dreaming but maybe I'm wrong.
Any info or resources appreciated.
Re: Web site that compares private health insurance plans? - M A V I C - 02-22-2010
http://www.ehealthinsurance.com/
Re: Web site that compares private health insurance plans? - space-time - 02-22-2010
Black wrote:
...
Needs to cover therapy for issues relating to past motorcycle accident.
I think he's dreaming but maybe I'm wrong.
...
isn't that what they call pre-existing condition and they cover nothing?
Re: Web site that compares private health insurance plans? - Speedy - 02-22-2010
What space-time said. He's screwed.
Re: Web site that compares private health insurance plans? - mattkime - 02-22-2010
he should be fine as long as he has no gap in coverage.
probably find better deals at www.freelancersunion.org and fractured atlas
Re: Web site that compares private health insurance plans? - Black - 02-22-2010
Hmmm . . .
took a look at one of the first that came uo, Blue Choice PPO at $183 a month, and I don't see the pre-existing conditions thing mentioned in the exclusions:
Exclusions and Limitations:
Hospitalization, Services, and supplies which are not Medically Necessary; Services or supplies that are not specifically mentioned in this Policy; Services or supplies for any illness or injury arising out of or in the course of employment for which benefits are available under any Workers’ Compensation Law
or other similar laws whether or not you make a claim for such compensation or receive such benefits except where not required by law; Services or supplies that are furnished to you by the local, state, or federal government; Services and supplies for any illness or injury occurring on or after your Coverage Date as a result of war or an act of war; Services or supplies that do not meet accepted standards of medical or dental practice; Investigational Services and Supplies, including all related services and supplies; Custodial Care Service; Routine physical examinations, unless specifically stated in this Policy; Services or supplies received during an Inpatient stay when the stay is primarily related to behavioral, social maladjustment, lack of discipline, or other antisocial actions which are not specifically the result of Mental Illness; Cosmetic Surgery and related services and supplies, except for the correction of congenital deformities or for conditions resulting from accidental injuries, scars, tumors, or diseases; Services or supplies for which you are not required to make payment or would have no legal obligation to pay if you did not have this or similar coverage; Charges for failure to keep a scheduled visit or charges for completion of a Claim form; Personal hygiene, comfort, or convenience items commonly used for other than medical purposes, such as air conditioners, humidifiers, physical fitness equipment, televisions, and telephones; Special braces, splints, specialized equipment, appliances, ambulatory apparatus, battery controlled implants, except as specifically mentioned in
* Does not apply to out-of-pocket expense limit.
this Policy; Eyeglasses, contact lenses, or cataract lenses and the examinations for prescribing or fitting of glasses or contact lenses or for determining the refractive state of the eye, except as specifically mentioned in this Policy;Treatment of flat foot conditions and the prescription of supportive devices for such conditions and the treatment of subluxations of the foot or routine foot care; Immunizations, unless otherwise stated in this Policy; Maintenance Occupational Therapy, Maintenance Physical Therapy, and Maintenance Speech Therapy; Speech Therapy when rendered for the treatment of psychosocial speech delay, behavioral problems (including impulsive behavior and impulsivity syndrome), attention disorder, conceptual handicap, or mental retardation; Hearing aids or examinations for the prescription or fitting of hearing aids; Diagnostic Service as part of routine physical examinations or check-ups, premarital examinations, determination of the refractive errors of the
eyes, auditory problems, surveys, casefinding, research studies, screening, or similar procedures and studies, or tests which are Investigational, unless otherwise specified in this Policy; Procurement or use of prosthetic devices, special appliances, and surgical implants which are for cosmetic purposes, or unrelated to the treatment of a disease or injury; Services and supplies provided for the diagnosis and/or treatment
of infertility including, but not limited to, Hospital services, Medical Care, therapeutic injection, fertility and other drugs, Surgery, artificial insemination, and all forms of in-vitro fertilization; Maternity Service, including related services and supplies, unless selected as an option (Complications ofPregnancyarecoveredasanyotherillness). LongTerm Care; Inpatient Private Duty Nursing Service; Maintenance Care;Wigs (also referred to as cranial prosthesis); and Services and supplies rendered or provided for human organ or tissue transplants other than those specifically named in this Policy.
Re: Web site that compares private health insurance plans? - davester - 02-22-2010
mattkime wrote:
he should be fine as long as he has no gap in coverage.
What planet have you been living on? He's probably going to have a heck of a time finding someone who will write insurance on him. My wife left her job and while coasting on Cobra ran into noninsurability time and time again. The reason?...."broken wrist within past five year period". She finally got (insanely expensive) coverage under the state high risk pool. For the rest of the family we pay the Family Plan full rate because it is cheaper than individual plans, but it doesn't include her. Talk about highway robbery. After the five year period was up she reapplied for regular coverage and was told that once you're in the high risk pool nobody will insure you under a regular plan again. We are screwed, over and over again.
Re: Web site that compares private health insurance plans? - davester - 02-22-2010
Black wrote: , and I don't see the pre-existing conditions thing mentioned in the exclusions:
The pre-existing conditions thing appears after you apply. They say "You have a pre-existing condition...therefore we won't cover you. Have a nice day".
Re: Web site that compares private health insurance plans? - AllGold - 02-22-2010
Insurance is regulated by state laws. I'm not up on Illinois so I can't say, but the situation in another state, California for example, doesn't apply to Illinois.
And yes, the insurance shopping web sites are probably less interested in those little details that will raise your rates or knock you out of coverage completely.
Re: Web site that compares private health insurance plans? - bazookaman - 02-22-2010
wow. insurance sure is wonderful.