Erika Nichols
New member
I am appalled at how difficult it is to find individual health insurance for a fair price.
I used to work at a Museum, and for 4 years I was on their health insurance plan. It was with United Health Care. I was HMO, but man was I in good standing! I only had $10 doctor visits, only paid $22 a month for premiums. And apparently I had $0 deductible because when I had to go to the hospital for surgery, I didn't pay anything but $100 for the whole operation and the bill was over $10,000.00.
So naturally when I lost my job I figured I'll just sign up for United Health Care on my own. But man are the prices more expensive. It's an average of $200 a month for a premium, and that's with $35 doctor visits and a $5,000 deductible. Now here's my question- if I get the HMO plan and find a doctor who takes HMO, am i waived the $5,000? Cause see I ain't got no $5,000 just sitting around. And what happens if I never need to use it? Does it go back to $0? Why did my employer have a better deal? I'm confused
I used to work at a Museum, and for 4 years I was on their health insurance plan. It was with United Health Care. I was HMO, but man was I in good standing! I only had $10 doctor visits, only paid $22 a month for premiums. And apparently I had $0 deductible because when I had to go to the hospital for surgery, I didn't pay anything but $100 for the whole operation and the bill was over $10,000.00.
So naturally when I lost my job I figured I'll just sign up for United Health Care on my own. But man are the prices more expensive. It's an average of $200 a month for a premium, and that's with $35 doctor visits and a $5,000 deductible. Now here's my question- if I get the HMO plan and find a doctor who takes HMO, am i waived the $5,000? Cause see I ain't got no $5,000 just sitting around. And what happens if I never need to use it? Does it go back to $0? Why did my employer have a better deal? I'm confused