I was wondering what insurance is good to look into for after his enlistment to manage my diabetic needs. I do not know much about insurance or anything related. I am in college but not for too much longer and I am entering the medical field after so I am thinking my job will offer insurance but I do not know if it will be sufficient. If anyone knows anything to help me understand post it. Thanks. Kaycee
I've had BC/BS for years and I've never had a problem with them. But yeah it's all going to depend on what your employer offers. HMO cost wise tends to be a little cheapter. Im getting ready to switch to an HMO, but I have always really liked PPO type insurance..Not having to have a referall for EVERYTHING is good.
Your best option will be to get insurance through you or your husband's employer. At this point in the U.S. insurance market, it is too expensive to purchase insurance on your own (like you would for a car). And right now, not all insurance companies will even sell insurance to you, because you have what they call a "pre-existing condition," a.k.a diabetes. In 2014, because of the new health care law, that will be illegal, they won't be able to deny selling insurance to anyone, but it still doesn't mean it will be as cost-effective as getting it from your employer will be. Usually, when you get your insurance through an employer, the employer pays a good chunk of your premium (the amount of money it costs for your insurance per month) and then you pay part of that monthly premium, too. Additionally, most insurance plans have what is called a "deductible," or the amount of money you will have to spend out-of-pocket, in addition to the monthly premium, for your health benefits to kick in (for the insurance company to start paying for stuff). Here is a web-site that explains the basics of how health insurance works. http://www.healthcare.gov/using-insurance/understanding/basics/index.html
It's a really great web-site, I suggest looking around on it. Specifically, you'll want to make sure you understand the following about any potential insurance plan: the premium, the deductibles, the out-of-pocket max, what your co-pays or co-insurance will be for different services, whether or not there is a prescription drug plan associated with it, whether or not you have to see doctors within a specific network. I'm sure other people will chime in on things I missed, but that should get you started.
I agree with Erin. The best insurance is the policy that you can get and that you can afford. Generally, employer based plans are the best deal for you. If you were to purchase insurance on the open market, your premium would be so expensive that you would need an incredibly good job to pay for it.
If you are studying to work in the medical field, you will need to ask about insurance coverage when you interview for employment. Your husband will need to do the same. Human Resource workers in larger companies and organizations can explain the benefits, costs and deductibles to you at the time of hire.
No need to stress over this issue, but information is good.
Be well.
Brian Wittman
In the US, employed provided insurance. No question.