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medical insurance

Old May 4th 2005, 3:26 pm
  #1  
Alice in Wonderland
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Default medical insurance

Hi everyone,

My husband and I are looking for medical insurance which only covers us for emergencies. Does anyone know of any good, reasonably priced companies?
 
Old May 4th 2005, 3:34 pm
  #2  
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Default Re: medical insurance

Originally Posted by Alice in Wonderland
Hi everyone,

My husband and I are looking for medical insurance which only covers us for emergencies. Does anyone know of any good, reasonably priced companies?
Yes.
Assurant health have a high deductible $2500 health plan relatively cheap for people whom are young(ish) and in good health. less than $80 per person per person in some cases

of course, not much is covered, no dental / vision nor maternity care.

But it won't leave you bankrupt if you have a brain tumour.

I presume a lot of other companies, not just assurant have similar policies.

It is also a good idea on high deductible policies to open a HSA (and keep adding to it) to pay for the deductible should you need to use the policy.
HSA's are available from most financial institutions.
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Old May 4th 2005, 3:38 pm
  #3  
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Default Re: medical insurance

Originally Posted by Alice in Wonderland
Hi everyone,

My husband and I are looking for medical insurance which only covers us for emergencies. Does anyone know of any good, reasonably priced companies?
When you do research on providers, check carefully what is considered an emergency. I imagine there's quite differences between providers, as well as the cost.




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Old May 4th 2005, 3:38 pm
  #4  
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Default Re: medical insurance

Originally Posted by Manc
Yes.
Assurant health have a high deductible $2500 health plan relatively cheap for people whom are young(ish) and in good health. less than $80 per person.

of course, not much is covered, no dental / vision nor maternity care.

But it won't leave you bankrupt if you have a brain tumour.

I presume a lot of other companies, not just assurant have similar policies.

It is also a good idea on high deductible policies to open a HSA (and keep adding to it) to pay for the deductible should you need to use the policy.
HSA's are available from most financial institutions.
It depends where you live, companies do not always operate in all or most States and vary their product line, more like the disUnited States, each State has its own rules and regulations.

PS I have cover with $5k deductible, just over $100, tax deductible I think.
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Old May 4th 2005, 3:45 pm
  #5  
Bob
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Default Re: medical insurance

Pre-existing conditions is another thing to look out for....any complications due to them and might not be covered etc..

Though if it's only short term emergency medical, could try travel companies for holiday insurance?

Don't know if these people can help, but didn't need to be resident to have a one way holiday insurance with them: www.worldwideinsure.com
Though it was a couple years since I got the one way insurance off them though...
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