I just found out that I didn't have health insurance the day I graduated (Dec) and I don't know what to do now. I have gotten a quote from Cobra (private company) for $330 a month. It just seems outrageous for a healthy person to pay that much.

What did yall do? Input?

2/21/2007 5:20:16 PM

BCBS, $156

2/21/2007 5:21:20 PM

Priority #1: Get a salaried job with benefits. I think I pay ... $40 a month a month single, and it was $30 at my last job.
Priority #2: Don't get hurt, maimed, or otherwise disfigured where you need to use the health insurance.
Priority #3: Take some more proactive steps to understanding these things ahead of time.

2/21/2007 10:17:57 PM

Second vote for Blue Cross Blue Shield


Theres no reason why a single person your age should be paying $330 a month for health care coverage

2/21/2007 10:25:17 PM

I know why a single healthy person your age will be paying about $330/month.

You are of the proper birthing age. You are at high-risk for costing the insurance company a lot of money, even being single, due to pregnancy.

That's how they look at it anyway. You're going to want to find a job to help you pay for health insurance methinks.

2/21/2007 10:29:41 PM

<3 $7 monthly premium but at the fucking company who administers our health insurance

i think they're on to something though. they're such a pain in the ass to deal with that i've been taking better care of myself so i dont have to fucking rely on them so much


btw... if you're graduated-- do you have any job offers?

2/21/2007 10:36:57 PM

my job: UNITED HEALTHCARE - 100% FREE . . . or at least i don't see it coming out of my paycheck.

2/21/2007 11:20:06 PM

united health care is my insurance provider

and they fucking suck balls

they don't know how to process anything correct and when you follow the processes you're supposed to follow you get fucked

i cant wait until our contract is up with them

i file a complaint every chance i get

2/21/2007 11:21:19 PM

Third vote for Blue Cross Blue Shield

2/21/2007 11:24:33 PM

2nd vote for get a job.

2/21/2007 11:33:00 PM

cobra is not a "private company"

it stands for "Consolidated Omnibus Budget Reconciliation Act"

it has to do with giving benifits to former employees, retirees, spouses and dependent children

2/21/2007 11:39:50 PM

health insurance is for pussies.

2/21/2007 11:46:28 PM

my cobra was 440/month. Bastards.

2/22/2007 12:27:29 AM

330 is not great, but it could be WAAAAAAY worse, especially if you have ANY kind of history remotely related to any kind of behavioral treatment or a shitload of other very POTENTIAL complications.

2/22/2007 12:36:28 AM

COBRA is always gonna be more expensive...usually about 110%

2/22/2007 12:50:29 AM

BCBS - $175 w/ $1000 deductible (b/c the payments for $500 deductible got to be too much) (DEFINITELY the way to go )

2/22/2007 12:16:44 PM

i have BCBS through my job, and they've been excellent to deal with. i had a whopping ER visit in january that was completely paid for, except the copay of course.

2/22/2007 12:20:18 PM

bcbs - i pay about $57/mo for a high deductible plan

2/22/2007 1:25:15 PM

job

2/22/2007 3:48:49 PM

my company provides BCBS coverage in full, and they have been wonderful to deal with so far.

2/22/2007 3:55:14 PM

BCBS $128

[Edited on February 22, 2007 at 4:05 PM. Reason : ]

2/22/2007 4:04:23 PM

Job helps, of course. For now, I think you'd be best to consider a high-deductible policy. They're cheaper and won't pay for the small stuff, but you'll be covered in case of something really bad happening to you.

2/22/2007 4:44:45 PM

Yea, thanks for all of the advice, I think I am going to go with BCBS.

2/22/2007 5:08:14 PM

Here's a good article that's been helpful to me in the past when I found myself without health insurance: http://articles.moneycentral.msn.com/Insurance/InsureYourHealth/BuyYourOwnHealthPlan.aspx

[Edited on February 22, 2007 at 5:47 PM. Reason : edit]

2/22/2007 5:47:10 PM

When you graduated, people should have started sending you mail about recent graduate health insurance policies. You can also google it. It is a short term policy that only covers you if you are really sick or have an accident or something, and I think it was around 30 a month. Its the best option if you plan to have a real job paying insurance within a year.

2/22/2007 7:26:27 PM

Just got a plan off the NSCU Alumni site (you don't have to be an Alumni to qualify). 3 Months coverage for $200. ($500 deductible) I just wanted to make sure I have something if I break a leg or something

[Edited on February 23, 2007 at 3:29 PM. Reason : 1]

2/23/2007 3:26:05 PM

anyone with experience picking out their own insurance carrier? I dont benefit from any alumni insurance
but my company will pay $100 of my premium.

Any help would be good

3/3/2007 9:26:08 AM

Go to QuoteRetriever.comhttp://www.quoteretriever.com

This site offers comparison shopping for individual health insurance policies. It also offers the opportunity to purchase student health insurance and short term health insurance online and at a very reasonable price.

3/9/2007 11:33:48 AM

Quote :

"cobra is not a "private company" it stands for "Consolidated Omnibus Budget Reconciliation Act" it has to do with giving benifits to former employees, retirees, spouses and dependent children "

yep, and it's only usefull if you're old and/or have or will have ALOT of medical expenses.

3/9/2007 11:37:00 AM

PM me to get a great contact for health insurance.

3/13/2007 10:58:35 AM