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 Helath Insurance
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Posted on 11-21-15 10:38 PM     Reply [Subscribe]
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Hello guys,

I need some suggestion on getting health insurance. I work as a IT Consultant. I was with Desi co but then switched to prime vendor short while ago. Once the project ends I may not work with the same vendor and again I have to get the health insurance with another co. All the monthly payments made with the former co will be useless. I want to work as a consultant for few more years. I think it is beneficial to get plans through health exchange on my own till I settle down for FT positions. I had PPO before, HMOs etc..are there.. Please suggest and recommend on which plan covers better.
 
Posted on 11-22-15 1:39 AM     [Snapshot: 66]     Reply [Subscribe]
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Usually HMOs r cheaper but it depends on your sex
Are you male or female?
 
Posted on 11-22-15 7:12 AM     [Snapshot: 94]     Reply [Subscribe]
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@saptarangi

If you want to buy Health insurance there are two options of buying it.
Option 1:-
If you want to buy it for yourself you have to purchase it from https://www.healthcare.gov. For 2016 coverage, the Open Enrollment Period is November 1, 2015 – January 31, 2016. The website is user friendly, it will ask you personal details and will recommend the health Plan based on the information supplied. It will allow you to compare plans. I would recommend this option for you.

Option 2:-
If you work for your employer, you can get enrolled from your employer group anytime throughout a year.

How to choose the Insurance Plan

1. Make sure the plan you choose provide Medical, Vision and Dental. In most of the plans Medical and Vision comes together but dental you have to buy separate too. It depends on the plan you purchase.

2. HMO VS PPO: HMO has limited network choice, whereas PPO has wide range of choices and is expensive compared to HMO. If you are sure you will be leaving in one particular area for at least a year then I would prefer HMO Plan.

3. When you look at the plan, also compare Copay, Deductible, Coinsurance, Out of Pocket and the services covered by the plan. The basic of how health care works is higher the deductible lower the premium and vice versa.

Copay- It is the amount you pay every time you visit the doctor.
Deductible- Amount you will paying until the health insurance plan starts paying. You have to meet your deductible first.
Coinsurance- The share of amount that will paid between you and your health plan. Example- 80-20.
Out of Pocket- The maximum amount you would pay from your pocket.

Hope this helps you a little bit in making the choice.


 


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