I need an insurance plan... any suggestions?

Question

I am currently under my husband (he is a Deputy Sheriff in North Carolina), and I am a full-time student. I need a plan with no deductible (I have monthly prescriptions, so I always need to be able to afford a doctor's visit.) My husband is currently paying $460 a month JUST FOR ME. I don't have any major medical problems.... so I think this is ridiculous. Any suggestions would be appreciated!

Answer 1

Check these guys out, they may be having some some no-deductible insurance plans.

Answer 2

try calling a local agent and see what they can do for you.  a policy with no ded is going to have a very high premium.  unfortunatley health care premiums are high for just about anyone anymore.  i am an agent in NC and pay more than you do with no health issues.   it doesn't hurt to look around.  and please do not let a rude answer from an agent make you think ALL agent are rude like that.  you're right, you can have monthly prescriptions without health problems!  ever heard of birth control mbrcatz17?

Answer 3

There are very few individual plans with no deductible, and those that do either have a high premium or they drastically cut benefits elsewhere.

Most individual plans have doctor, specialists, and prescription co-pays with having to meet the deductible so don't be afraid of a deductible. Some will even have lab and x-rays without meeting the deductible.

You should visit a local independent agent that works with all the major companies and who can explain how the different plans in your area work. You want to make sure you get a plan that will cover what you want covered. There is no extra charge using an agent.

However, individual plans are individually underwritten. Depending upon why you're taking medicaions they can deny you coverage or, if they do accept you, may not cover your condition. This is another reason to visit an agent. The agent can talk with the underwriters prior to you putting in an application so you won't have a needless decline on your record. Make sure you get the other policy in place before giving up your current insurance.

Answer 4

Well, depending on what's wrong with you (as you currently have stuff wrong, or you wouldn't need "monthly prescriptions"), it's highly possible that a new insurance company isn't going to take you on AT ALL.  Or if they do, they'll likely NOT COVER the current problems.  

I think you should shop around - call BCBS, and visit a local agent to see what kind of coverage you can get with no deductible (likely an HMO plan).  And then when you fill out the application for coverage, and get all these declinations back, you'll decide that $460 a month for some coverage is better than $200 a month for all the current issues excluded.  OH, and private coverage most often does NOT include prescriptions.

Answer 5

Shop around you'll find something good.

Answer 6

I've never seen a "no deductible" plan.