New to Health Insurance

[LOLS2K]

[ZOMFGAARON]

What plans does your company offer?
Any history of illness in your family?
Im 22 and have a PPO insurance plan from my job it's worth security if anything does happen I'll be covered.


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[LOLS2K]

[MonoRaven]

Here's a quick explanation of some common term you might not be familiar with:
http://www.safepol.com/health-insura...d-premium.html

You should just do some Googling and read up on it, it really isn't that compplicated and easy to figure out.

At your age and health you probably won't see a doctor much so paying a high premium just to get low cost coverage probably won't be very advantageous to you. You probably want something more just for major medical in the event something big happens that could cost in the tens of thousands or more. Also make sure whatever plan you choose does cover maternity costs if you are thinking of that in the near future.

[ZOMFGAARON]

I can comment on Aetna since that what I have now. They're not the best insurance company I've had but they're also not the worst! They're happy to take care of any issue you have and have tons or resources online to help out with any questions. Im satisfied with the cost and benefits I get out of it. I've only gone to the doctor 2 times in the 2 years I've been covered by them and can still say its worth every penny knowing I'm covered.

As far as letting you know if they're any better compared to the others I can't comment hopefully someone else can chime in.


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[weederr33]

I'm not gonna lie... I haven't gotten insurance yet either and I turned 26 back in July. So.. yeah I'll get penalized, but tbh all I need is the bare essentials. The VA takes care of my basic needs and annual check ups.

[LOLS2K]

[weederr33]

Originally Posted by LOLS2K

I recently heard about the penalties. I just turned 26 in August, myself. We are going to get penalized come tax season for each month not covered, right?

I don't know the exact details. But, personally, I thing is utter bullshit to penalize someone. Now if that's just a myth made up to scare people into getting insurance, then so be it. I'll live to die another day. Anyway... I don't want to make it a political debate as this isn't the place for it.

I'll probably apply for insurance at the beginning of the year unless the VA counts.

[LOLS2K]

[ZOMFGAARON]

Individuals: From 2014 (reported in 2015), individuals who did not have insurance would owe $95, or 1 percent of income, whichever is greater. In 2015 it rises to the greater of $325 or 2 percent of income. But the penalty would subsequently rise in 2016, reaching $695, or 2.5 percent of income, whichever is greater. From 2017, the minimum tax penalty per person will rise each year with inflation. And for children 18 and under, the minimum per-person tax is half of that for adults ($47.50). The tax penalty is pro-rated, so that a person who is not covered for only a single month would pay 1/12th of the tax that would be due for the full year.

More info here : https://www.healthcare.gov/fees/fee-...being-covered/


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[weederr33]

Originally Posted by LOLS2K

I totally agree, and as well can see how politics can push this all down a slippery slope.
We shall have to wait and see about the penalties. Luckily it has been less than half a year without coverage.

Right you are!

Also this may help our questions: https://www.healthcare.gov/fees/fee-...being-covered/

[LOLS2K]

[weederr33]

Originally Posted by LOLS2K

I'm finding some useful info on that site.

Yeah I took some serious notes so it should help.

[soulreapersteve]

Awesome that you are getting health insurance man!

I was in the boat where I thought insurance wasn't needed because I rarely get sick and no injuries. If I did, it was simply the common cold.

Luckily, I signed up for insurance when I went FTE at my job. I don't know what happened because I started having chest pains and breathing issues around 3 weeks ago. Doctor couldn't ID it but suspected some sort of infection in my lungs.

How much I paid for insurance already covered doctor visit + pills.

If there are multiple plans offered, go for one that is high deductible so you can pay less each month (if you don't think you are going to get a major illness). My deductible is 250 for medical and 100 for dental so I pay 120 total/month. Drop in the bucket considering the high costs of healthcare in this country.

My advice is probably not good though... idk haha