Short term medical insurance?

**Saulbadguy** · 10-19-2006, 01:41 PM

Howdy.

I got a new job, my last week of my current job is next week. My new jobs insurance won't kick until 1/1/07, so I have to find something to cover me until then (for my wife and I).

Any recommendations? I see alot of websites offering short term temporary insurance, but alot of them look kind of seedy. Has anyone here actually had experience in dealing with any of these companies? I'm looking for a castrophe-only plan...I don't want to be un-insured if I develop appendicitis.

Skyy God · 10-19-2006, 01:48 PM

I'm on Assurant right now (underwritten by Time). Doesn't seem too bad so far, but then again, I haven't developed cancer or any serious illnesses. A- rated, recommended from an insurance agent I know.

Try eHealthInsurance.com to compare their and other policies. I'd say as long as their financial rating is good and googling their name doesn't turn up any "Rainmaker" testimonials, you're golden.

10-19-2006, 01:52 PM

I think your employer offers Cobra. Check into that.

MichaelH · 10-19-2006, 01:58 PM

Cobra can be damn expensive. When I switched jobs, my former employer would keep me on their insurance under Cobra for $1200 a month. We switched to my wife's until mine kicked in 3 months later.

**ChiTown** · 10-19-2006, 02:02 PM

Quote:

Originally Posted by MichaelH

Cobra can be damn expensive. When I switched jobs, my former employer would keep me on their insurance under Cobra for $1200 a month. We switched to my wife's until mine kicked in 3 months later.

Is COBRA that much now? Wow!

I'm self employed, so I'm self-insured. My medical insurance to cover me and the family is about $450/mos, with a huge assed deductible ($4K/yr). So, in real money, my medical expenses are about $950/mos.

fn sucks.

Hoover · 10-19-2006, 02:06 PM

Quote:

Originally Posted by ChiTown

Is COBRA that much now? Wow!

I'm self employed, so I'm self-insured. My medical insurance to cover me and the family is about $450/mos, with a huge assed deductible ($4K/yr). So, in real money, my medical expenses are about $950/mos.

fn sucks.

I'm in the same boat, it sucks ass.

10-19-2006, 02:06 PM

Cobra is expensive, but it won't be much for one guy.

bkkcoh · 10-19-2006, 02:16 PM

Quote:

Originally Posted by Phobia

Cobra is expensive, but it won't be much for one guy.

But you can't have a lapse in coverage. I would check with your insurance agent to see what might be available to cover you until the new benefits kick in.

**alpha_omega** · 10-19-2006, 02:19 PM

http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html

Halfcan · 10-19-2006, 02:27 PM

I don't have any insurance-If I get hurt I will just go to the ER and say No Habla English-they will treat you for free-lol

**ptlyon** · 10-19-2006, 02:28 PM

Queue the duck!

Fat Elvis · 10-19-2006, 02:39 PM

COBRA is the way to go if you have any pre-existing conditions whatsoever.

**Saulbadguy** · 10-19-2006, 03:58 PM

Quote:

Originally Posted by Fat Elvis

COBRA is the way to go if you have any pre-existing conditions whatsoever.

COBRA is $347 a month. Pretty expensive.

ChiefsfaninPA · 10-19-2006, 04:52 PM

Quote:

Originally Posted by Saulbadguy

COBRA is $347 a month. Pretty expensive.

This is not expensive at all. Compared to your current policy, maybe. But by no means is this expensive, especially if it offers the same coverage.

dtebbe · 10-19-2006, 05:26 PM

I think you will find that Fortis aka Assurant Health will have the best deal. State Farm agents sell it. We have our health insurance with them and they are fine. They actually have a policy just for your situation too.

I agree that $350 for cobra is a deal. When I left Turner I was paying that much JUST to cover my wife under COBRA while she went thru some additional underwriting.

My family policy (self insured) runs me about $350/month and we have a $3500 family deductable. After that everything is covered 100%

DT

10-19-2006, 01:41 PM	Topic Starter
Saulbadguy When a nightmare becomes real Join Date: Nov 2003 Casino cash: $736966	Short term medical insurance? Howdy. I got a new job, my last week of my current job is next week. My new jobs insurance won't kick until 1/1/07, so I have to find something to cover me until then (for my wife and I). Any recommendations? I see alot of websites offering short term temporary insurance, but alot of them look kind of seedy. Has anyone here actually had experience in dealing with any of these companies? I'm looking for a castrophe-only plan...I don't want to be un-insured if I develop appendicitis.
Posts: 47,020

10-19-2006, 01:48 PM	#2
Skyy God 11-5, baby Join Date: Sep 2005 Location: Livin the dream Casino cash: $2191557	I'm on Assurant right now (underwritten by Time). Doesn't seem too bad so far, but then again, I haven't developed cancer or any serious illnesses. A- rated, recommended from an insurance agent I know. Try eHealthInsurance.com to compare their and other policies. I'd say as long as their financial rating is good and googling their name doesn't turn up any "Rainmaker" testimonials, you're golden.
Posts: 22,416

10-19-2006, 01:52 PM	#3
Phobia Guest Casino cash: $	I think your employer offers Cobra. Check into that.
Posts: n/a

10-19-2006, 01:58 PM	#4
MichaelH Go Chiefs! Join Date: Nov 2002 Location: Gastonia, North Carolina Casino cash: $9192006	Cobra can be damn expensive. When I switched jobs, my former employer would keep me on their insurance under Cobra for $1200 a month. We switched to my wife's until mine kicked in 3 months later.
Posts: 3,187

10-19-2006, 02:06 PM	#7
Phobia Guest Casino cash: $	Cobra is expensive, but it won't be much for one guy.
Posts: n/a

10-19-2006, 02:19 PM	#9
alpha_omega Supporter Join Date: Jan 2004 Location: Liberty Casino cash: $-1800000	http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html
Posts: 17,350

10-19-2006, 02:27 PM	#10
Halfcan In Search of a Life Join Date: Aug 2005 Casino cash: $7327995	I don't have any insurance-If I get hurt I will just go to the ER and say No Habla English-they will treat you for free-lol
Posts: 43,200

10-19-2006, 02:28 PM	#11
ptlyon Bono & Grbac wasn't enough Join Date: Oct 2000 Location: Sioux City, IA Casino cash: $9223829	Queue the duck! __________________ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Advertise here: $19.99 a month
Posts: 40,915

10-19-2006, 02:39 PM	#12
Fat Elvis Sexiest Athlete Join Date: Apr 2001 Casino cash: $-2058075	COBRA is the way to go if you have any pre-existing conditions whatsoever.
Posts: 12,703

10-19-2006, 05:26 PM	#15
dtebbe 3M TA3 Join Date: Jul 2001 Location: SoFlo Casino cash: $9993039	I think you will find that Fortis aka Assurant Health will have the best deal. State Farm agents sell it. We have our health insurance with them and they are fine. They actually have a policy just for your situation too. I agree that $350 for cobra is a deal. When I left Turner I was paying that much JUST to cover my wife under COBRA while she went thru some additional underwriting. My family policy (self insured) runs me about $350/month and we have a $3500 family deductable. After that everything is covered 100% DT
Posts: 4,305