http://www.ohioinsureplan.com/index.php/... Agent ten years 40% 2 Votes
Other Answers (4)
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First off, most insurance companies do not recognize domestic relationships so you and your girlfriend will need separate policies. If your son belongs to both of you he can be on either policy. You%26#039;ll want to visit a local independent agent to find the best policy for your situation. The agent will know what plans are available in your area. The plans and premiums are exactly the same whether you use an agent or not.
Another answer suggested Mega. Be cautious with their plans and weigh any savings you might have. It does little good to save $20 per month in premium if you%26#039;re going to have major expenses in the future.
Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans%26#039; deductible is per year.
Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million.
Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums.
Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500.
Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $4500, you will pay $11,500. Since most people (unless they’re dead) have a hospital stay after the ICU stay you can add in the figures in the previous paragraph.
Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570.
Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000.
Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500.
Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues. Independent Agent 20% 1 Vote -
If your girlfriend is 30 and healthy, and you%26#039;re 30 and healthy, and the kid is healthy, for the two adults it%26#039;s going to cost about $300 a month each, and maybe $200 for the child, with low/no deductible.
It doesn%26#039;t get cheaper than that, without taking on really large deductibles.
It%26#039;s kinda like asking someone to paint your house - it costs what it costs, and if you%26#039;re looking for for someone to paint your house for $50, or find a health policy for $75 a month per person, it%26#039;s not going to happen. agent, 21+ years 20% 1 Vote -
Being a Contractor, you should check out the National Association for the Self Employed. Through their association they offer health insurance with MEGA Life and Health Insurance Company. The insurance and association benefits are designed specifically for you, the self employed. The rates are wonderful and the company has specifically your best interest in mind, the self employed. Check it out!
www.nase.org Licensed Insurance Agent-NASE Field Service Representative 20% 1 Vote
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