Life Health insurance advice please

joesomebody · 09-05-2008, 12:33 PM

Ok, this will possibly be the first health insurance plan I've ever bought. In the military it was gratis and pretty comprehensive, so I was taken by the hand and led through my first health insurance policy.

I am now a full time student and Mizzou offers the following plan for about $1900 a year. I don't know anything about costs of health insurance or the relative quality of this plan. I think the $100 deductible seems fair, however I am a little concerned about the fact they only seem to pay 80% of anything until I have paid $3000 out of pocket.

Here is a basic summary of the plan, any and all help/suggestions would be greatly appreciated. I made it through last year with no insurance, but I don't really think having zero health insurance is a wise gamble.

http://www.aetnastudenthealth.com/sc...9Highlight.pdf

**luv** · 09-05-2008, 12:38 PM

We just got new insurance at work. I currently have a $400 deductible, and they cover 90%. The company pays half the premium. My half is $114 per month.

I'd say 80% is pretty standard. Our last policy paid that, and had a $1000 deductible. Yet, it was about $20 more for my half per month than the new policy.

**jjchieffan** · 09-05-2008, 01:58 PM

I am an insurance agent in MO, and I think that plan looks pretty good. I would have a hard time competing with those rates. I probably could beat it if you are a non-smoker, with average weight and height, and in good health. But if any of those issues are reason for a rate up, then I would say take it. That is the nice thing about group coverage. They don't factor any of that in on an individual basis, but rather on the group as a whole.

**morphius** · 09-05-2008, 02:52 PM

Quote:

Originally Posted by jjchieffan

I am an insurance agent in MO, and I think that plan looks pretty good. I would have a hard time competing with those rates. I probably could beat it if you are a non-smoker, with average weight and height, and in good health. But if any of those issues are reason for a rate up, then I would say take it. That is the nice thing about group coverage. They don't factor any of that in on an individual basis, but rather on the group as a whole.

Your insurance has something against tall and short people?

BigVE · 09-05-2008, 02:27 PM

Sounds pretty good to me. Get this: they just renewed our insurance at work. The new rate for employee plus family is $375 BI-WEEKLY with $2000 x2 deductible! Lousy.

**jjchieffan** · 09-05-2008, 03:26 PM

Well, actually, it has more to do with the weight. 200lbs might be fine if you are 6ft tall, not so much if you are 4'11".

ElGringo · 09-05-2008, 03:31 PM

Just another reason I am glad I moved. Now a doctors visit is 2.50. Since the nurse is my wifes cousin and I didn't need any real work (just a check up) my last hospital visit was free. Oh, and since my wife is Mexican, all of her medical bills are covered.

**jjchieffan** · 09-05-2008, 04:17 PM

Quote:

Originally Posted by ElGringo

Oh, and since my wife is Mexican, all of her medical bills are covered.

nlm

09-05-2008, 12:33 PM	Topic Starter
joesomebody Waiting to be voted off Join Date: Feb 2004 Location: Baltimore, MD Casino cash: $9994900	Health insurance advice please Ok, this will possibly be the first health insurance plan I've ever bought. In the military it was gratis and pretty comprehensive, so I was taken by the hand and led through my first health insurance policy. I am now a full time student and Mizzou offers the following plan for about $1900 a year. I don't know anything about costs of health insurance or the relative quality of this plan. I think the $100 deductible seems fair, however I am a little concerned about the fact they only seem to pay 80% of anything until I have paid $3000 out of pocket. Here is a basic summary of the plan, any and all help/suggestions would be greatly appreciated. I made it through last year with no insurance, but I don't really think having zero health insurance is a wise gamble. http://www.aetnastudenthealth.com/sc...9Highlight.pdf
Posts: 2,584

09-05-2008, 12:38 PM	#2
luv You think you can get by this? Join Date: Dec 2004 Location: Springfield, MO Casino cash: $-1170000	We just got new insurance at work. I currently have a $400 deductible, and they cover 90%. The company pays half the premium. My half is $114 per month. I'd say 80% is pretty standard. Our last policy paid that, and had a $1000 deductible. Yet, it was about $20 more for my half per month than the new policy.
Posts: 63,558

09-05-2008, 01:58 PM	#3
jjchieffan Supporter Join Date: Dec 2005 Location: Highlandville, MO Casino cash: $92248	I am an insurance agent in MO, and I think that plan looks pretty good. I would have a hard time competing with those rates. I probably could beat it if you are a non-smoker, with average weight and height, and in good health. But if any of those issues are reason for a rate up, then I would say take it. That is the nice thing about group coverage. They don't factor any of that in on an individual basis, but rather on the group as a whole. __________________ Genesis 1:1 In the beginning, God created the Heavens and the Earth. Following the historical accounts and the genealogy from that point on, the age of the Earth is approximately 6000-7000 years old. The Big Bullshit Theory is a lie. It and the evolution theory go against real science. Satan has used our public school system to brainwash everyone into believing these lies. Be not decieved.
Posts: 13,318

09-05-2008, 02:27 PM	#5
BigVE Veteran Join Date: Apr 2001 Location: centralKs Casino cash: $10005250	Sounds pretty good to me. Get this: they just renewed our insurance at work. The new rate for employee plus family is $375 BI-WEEKLY with $2000 x2 deductible! Lousy. __________________ Meh.
Posts: 4,829

09-05-2008, 03:26 PM	#6
jjchieffan Supporter Join Date: Dec 2005 Location: Highlandville, MO Casino cash: $92248	Well, actually, it has more to do with the weight. 200lbs might be fine if you are 6ft tall, not so much if you are 4'11". __________________ Genesis 1:1 In the beginning, God created the Heavens and the Earth. Following the historical accounts and the genealogy from that point on, the age of the Earth is approximately 6000-7000 years old. The Big Bullshit Theory is a lie. It and the evolution theory go against real science. Satan has used our public school system to brainwash everyone into believing these lies. Be not decieved.
Posts: 13,318

09-05-2008, 03:31 PM	#7
ElGringo Veteran Join Date: May 2008 Location: Shreveport, La Casino cash: $9975100	Just another reason I am glad I moved. Now a doctors visit is 2.50. Since the nurse is my wifes cousin and I didn't need any real work (just a check up) my last hospital visit was free. Oh, and since my wife is Mexican, all of her medical bills are covered.
Posts: 1,196