Individual family health insurance - Tilted Forum Project Discussion Community

07-09-2004, 11:41 AM

Well, we have no insurance right now, since Moon's been laid off for quite a while, our insurance has run out- my new job offers insurance, but it would cost about $1,000/mo for my family & I. It's me, my hubby, and our 4 yr. old son. I want decent coverage for medical/dental including vision and even alternative/naturopathic health medicine. Prescription dug coverage is a must, at least some coverage. There's no special illness that any of us have.
If anyone can share their plans and who they go through, or just general tips and knwoledge of decent health coverage, I'd really appreciate it- a lot of the mumbo-jumbo on plan descriptions get really confusing. Hope you can help!

KMA-628 · 07-09-2004, 04:02 PM

I can get Blue Cross/Blue Shield for about $400-500 here for a family of 5.

Blue Cross isn't the best, but they aren't bad, you just need to know how they work.

About 1 out of every 5 to 10 claims will get kicked back to you for some silly reason. You just call them straighten it out, they apologize and fix it. Never had any long-term problems with them.

That included prescription, no dental/vision (usually a seperate plan anyways) and I don't know about alternative. Offhand I couldn't tell you my deductible but the copay is $20 (for any doctor) and prescription is $5/$15/$25. This plan is a PPO.

07-09-2004, 11:41 AM	#1 (permalink)
:::OshnSoul::: Guest	Individual family health insurance Well, we have no insurance right now, since Moon's been laid off for quite a while, our insurance has run out- my new job offers insurance, but it would cost about $1,000/mo for my family & I. It's me, my hubby, and our 4 yr. old son. I want decent coverage for medical/dental including vision and even alternative/naturopathic health medicine. Prescription dug coverage is a must, at least some coverage. There's no special illness that any of us have. If anyone can share their plans and who they go through, or just general tips and knwoledge of decent health coverage, I'd really appreciate it- a lot of the mumbo-jumbo on plan descriptions get really confusing. Hope you can help!

07-09-2004, 04:02 PM	#2 (permalink)
KMA-628 ....is off his meds...you were warned. Location: The Wild Wild West	I can get Blue Cross/Blue Shield for about $400-500 here for a family of 5. Blue Cross isn't the best, but they aren't bad, you just need to know how they work. About 1 out of every 5 to 10 claims will get kicked back to you for some silly reason. You just call them straighten it out, they apologize and fix it. Never had any long-term problems with them. That included prescription, no dental/vision (usually a seperate plan anyways) and I don't know about alternative. Offhand I couldn't tell you my deductible but the copay is $20 (for any doctor) and prescription is $5/$15/$25. This plan is a PPO. __________________ Before you criticize someone, you need to walk a mile in their shoes. That way, if they get angry at you.......you're a mile away.......and they're barefoot.