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| View Poll Results: Do you have health insurance? | |||
| Yes, I have health insurance. |
  
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108 | 87.80% |
| No, I do not have health insurance. |
  
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13 | 10.57% |
| I'm a trout doctor. |
  
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2 | 1.63% |
| Voters: 123. You may not vote on this poll | |||
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07-21-2009, 05:13 PM
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#51 | |||
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SI Games
Join Date: Oct 2000
Location: Melbourne, FL
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Quote:
My wife's dental has already ht the 'lifetime' cap I believe and we've only been over here for 2 years (admittedly after having had 3 kids her teeth have needed a bit of work BUT ...). Last edited by Marc Vaughan : 07-21-2009 at 05:13 PM. |
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07-21-2009, 05:19 PM
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#52 |
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Head Coach
Join Date: Sep 2004
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Have student insurance that's not great, but discounted in the cost at least, through the University. It's terrible for prescriptions from what I've noticed, but I was still damn glad to have it when my $4,000+ hospital bill when I had food poisoning got reduced to just under $1,000 thanks to the insurance.
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2006 Golden Scribe Nominee 2006 Golden Scribe Winner Best Non-Sport Dynasty: May Our Reign Be Green and Golden (CK Dynasty) Rookie Writer of the Year Dynasty of the Year: May Our Reign Be Green and Golden (CK Dynasty) |
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07-21-2009, 10:30 PM
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#53 |
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College Benchwarmer
Join Date: Jan 2003
Location: Hartford
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There are Middle-Med plans and Mini-Med plans now that are legal in some states. In reality they are pure crap - they have low premiums but the Middle-Med plans cap out at about 100k annual benefits and Mini-Med plans can be as low as 10k.
They are generally offered to groups that otherwise wouldn't have any options like part time employees. I'm not certain if any companies market them to individuals, but probably somewhere they will until state insurance regulators get around to outlawing them in the individual market. |
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07-21-2009, 10:32 PM
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#54 | |
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College Benchwarmer
Join Date: Jan 2003
Location: Hartford
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Quote:
I don't see many lifetime caps on dental, but almost all plans that aren't in the public sector or a union cap out at 2k or less per year if it's a PPO/Indemnity plan. Dental plans are still valuable even past the cap because your in network discounted rate is usually about half what you'd pay coming off the street. |
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07-21-2009, 10:35 PM
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#55 |
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College Benchwarmer
Join Date: Jan 2003
Location: Hartford
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In addition:
The laws are different by state. Some require group plans to have unlimited benefits in network but that can be limited out of network. Some can be limited on both. Some can be limited on neither. I don't think I've seen a group plan that isn't Middle or Mini med have a lifetime max of less then 1 million. |
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