2013년 12월 1일 일요일

About 'aetna'|Backed By New Partnerships With Humana, Aetna & Verizon, Blueprint Health Debuts Its Third Class Of Healthcare Disruptors







About 'aetna'|Backed By New Partnerships With Humana, Aetna & Verizon, Blueprint Health Debuts Its Third Class Of Healthcare Disruptors








Whether               you               are               self-employed               or               simply               unfortunate               enough               to               work               for               an               exploitatively               capitalist               company               that               does               not               offer               benefits,               you               may               need               to               purchase               your               own               health               insurance               plan.

If               you               are               like               me               (fairly               young               and               in               good               health),               you               may               be               looking               for               cheap               health               insurance               for               single               people               -               basic               coverage               with               low               premiums               and               adequate               benefits               in               case               of               an               emergency               or               other               onerous               health               expense.

For               those               of               us               without               pre-existing               conditions,               children,               or               other               complicating               factors,               a               simple               health               insurance               plan               with               a               high               deductible               may               be               appropriate.

If               you               can               afford               to               pay               for               most               low-cost               medical               expenses               out-of-pocket               and               just               want               to               cover               yourself               in               case               of               hospitalization,               surgery,               or               a               hefty               unforeseen               medical               expense,               there               are               several               providers               that               offer               cheap               health               insurance               with               low               premiums               for               single               people.

Availability               of               basic               coverage               does               vary               by               your               geographic               area,               your               state's               regulations,               and               other               details               beyond               your               control.

Since               no               company               offers               this               type               of               insurance               in               every               single               state,               I               have               focused               on               providers               who               sell               relatively               cheap               health               insurance               for               single               people               in               a               large               number               of               states               (14               or               more).

Here               are               four               companies               offering               plans               with               basic               coverage               from               whom               you               can               request               quotes.
               Celtic               -               basic               coverage               available               in               33               states               
               http://www.celtic-net.com/
               Using               my               own               profile               as               a               non-smoking               27               year-old               Wisconsin               resident,               I               found               cheap               health               insurance               plans               with               Celtic               that               touted               low               premiums,               like               $66               a               month               for               a               $1500               premium               and               20%               coinsurance.

That               particular               PPO               plan               stood               out               as               a               good               deal               for               single               people               -               a               very               reasonable               premium               in               exchange               for               a               relatively               low               deductible.

This               means               that,               once               my               annual               costs               crest               above               $1500,               the               insurance               kicks               in               such               that               (in               most               situations)               I               would               only               pay               20%               of               future               bills.

For               basic               coverage               at               under               $70               a               month,               this               is               a               well-balanced               plan.

Celtic               offers               a               wide               variety               of               plans,               but               as               the               deductibles               go               up               (to               as               high               as               $5000),               the               monthly               premiums               don't               decrease               significantly               to               accommodate.

Celtic               claims               that               it               has               earned               an               A.M.

Best               "Excellent"               rating               of               A-               since               1986.

For               payment               options,               they               also               offer               both               monthly               EFT               and               quarterly               bills.
               Golden               Rule               -               basic               coverage               available               in               26               states               
               http://www.goldenrule.com/
               At               least               in               my               state,               Golden               Rule               had               a               plethora               of               options.

They               offered               me               23               different               plans,               all               with               slightly               different               features.

The               most               expensive               was               a               $500               deductible               plan               (that's               very               low!)               with               a               monthly               premium               of               about               $150.

For               this               higher               monthly               payment,               I'd               have               the               security               of               knowing               that               my               benefits               kicked               in               rather               quickly               (less               worry               about               having               lots               of               cash               to               cover               expenses               in               an               emergency).

Leading               up               to               the               end               of               the               spectrum,               with               premiums               half               as               high,               Golden               Rule               offers               plans               with               deductibles               of               $1000,               $1500,               $2000,               $5000,               and               numerous               amounts               in               between.

Once               the               deductible               is               met,               some               plans               cover               office               visits               and               some               don't,               so               be               sure               to               investigate               all               the               details.

But               there's               bound               to               be               a               cheap               health               insurance               plan               through               Golden               Rule               that               is               perfect               for               single               people               in               your               situation,               provided               you               live               in               one               of               their               26               states.

Golden               Rule               is               also               rated               "Excellent"               by               A.M.

Best.
               Aetna               -               basic               coverage               available               14               states               
               http://www.aetna.com
               Although               Aetna's               basic               coverage               plans               are               not               available               in               Wisconsin,               for               the               purposes               of               quotes,               I               pretended               to               be               a               single               person               living               in               other               states.

They               offered               me               a               limited               selection               of               plans               -               usually               just               four               or               five.

The               one               low-deductible               plan               was               comparatively               expensive               at               nearly               $200.

For               someone               seeking               cheap               health               insurance,               that               might               go               over               budget.

There               were               a               few               other               plans               with               more               reasonable               rates,               but               I               noticed               that               coinsurance               was               sometimes               at               30%,               higher               than               most               plans               by               competitors.

Depending               on               your               state               of               residence,               you               may               get               more               variety               in               Aetna's               offerings,               so               it's               worth               trying               in               the               name               of               low               premiums.

And               I               must               note               that               some               cheap               health               insurance               seekers               might               feel               more               comfortable               with               Aetna,               as               it               is               more               of               a               household               name               than               the               other               companies               profiled               here               for               single               people.
               Time               Insurance               -               basic               coverage               available               in               18               states               
               http://www.timeinsurance.com/
               After               searching               in               several               states,               I               found               very               little               flexibility               or               choice               in               Time               Insurance               plans.

Premiums               were               very               high               compared               to               similar               plans               by               other               companies               in               the               same               states.

Time's               A.M.

Best               rating               is               solid               at               A-,               and               they               are               an               Assurant               Health               Company,               meaning               that               they               are               part               of               a               much               larger,               well-known               organization.

But               as               far               as               I               can               detect,               there               is               no               clear               advantage               to               Time               Insurance,               at               least               for               single               people               who               want               basic               coverage               Low               premiums               and               good               benefits               are               available               from               too               many               other               providers.
               Final               Note:               Some               aggregate               sites               like               www.ehealthinsurance.com               provide               quotes               from               multiple               companies               at               once,               so               you               may               want               to               use               such               a               site               to               identify               other               cheap               health               insurance               providers               who               sell               basic               coverage               to               single               people               in               your               area.






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