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qweds · 09-20-2005, 07:37 AM

Hello again,

I did do a search but was surprised not to find anything, so if this is old stuff please just redirect...

So I'm changing jobs and the place i'm going to has a slightly unusual health policy. you can opt into the office plan but that runs about $300/month, apparently because of the necessity of having maternity in all group plans. i'm a 22 unattached male and so maternity isn't of great concern at this point.

the other option is to secure independent insurance and the office will pay 25% of the cost. this seems like a pretty good deal. Initial quotes from Blue Cross and Humana look like ~$150 or so a month with dental.

Now since I'm from Canada and a recent college grad this is my first experience with American style insurance. I cannot seem to make any sense of deductibles, out of pocket, co-pay, etc. Presumably low numbers for all of these is good?

Anyone out there have any good advice? I'm in Chicago btw and will be getting a plan to start October 1.

thanks

09-20-2005, 07:37 AM	#1 (permalink)
qweds has been Location: Chicago	health insurance questions Hello again, I did do a search but was surprised not to find anything, so if this is old stuff please just redirect... So I'm changing jobs and the place i'm going to has a slightly unusual health policy. you can opt into the office plan but that runs about $300/month, apparently because of the necessity of having maternity in all group plans. i'm a 22 unattached male and so maternity isn't of great concern at this point. the other option is to secure independent insurance and the office will pay 25% of the cost. this seems like a pretty good deal. Initial quotes from Blue Cross and Humana look like ~$150 or so a month with dental. Now since I'm from Canada and a recent college grad this is my first experience with American style insurance. I cannot seem to make any sense of deductibles, out of pocket, co-pay, etc. Presumably low numbers for all of these is good? Anyone out there have any good advice? I'm in Chicago btw and will be getting a plan to start October 1. thanks __________________ tim(mah)