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Posted 11/17/2010 8:28 AM (GMT 0)
Anyone have a estimate on the cost of a good to descent policy for us high risk clients with an individual policy?
Posted 11/17/2010 2:23 PM (GMT 0)
I have my insurance through the Minnesota Comprehensive Health Association. From their web site "MCHA was established in 1976 by the Minnesota Legislature to offer policies of individual health insurance to Minnesota residents who have been turned down for health insurance by the private market, due to pre-existing health conditions. MCHA is sometimes referred to as Minnesota’s “high risk pool” for health insurance or health insurance of last resort.... Premiums charged to policyholders are generally higher than rates for comparable policies in the marketplace By law, MCHA premiums must be set between 101% - 125% of the weighted average for comparable policies."

They post their rates online and can be retrieved at www.mchamn.com/docs/10_std_rates.pdf.
Posted 11/17/2010 2:32 PM (GMT 0)
I was enrolled into my high risk pool. It will cost twice as much as the non-comprehensive plans offered to me over a year.

However despite qualifying one person there is telling me the moment I am offered a crummy 'scheduled' group plan ( not a replacement for comprehensive ) I have to quit, yet the customer service people on the phone are saying its nonsense. If that were the case the only people they would be keeping are the unemployed who cannot afford the high premiums or people contracting 1099 and offered nothing. Confusing. I DONT want to be in a hospital bed wondering if they will kick me out because I had a shot at a crummy plan when changing jobs. People miss their enrollment window all the time and its not considered COCC in at least one state.
Posted 11/17/2010 8:08 PM (GMT 0)
State of Washington Basic Health has an estimation tool.

http://www.basichealth.hca.wa.gov/rate.html
Posted 11/18/2010 12:33 AM (GMT 0)
You might find something helpful on healthcare.gov
Posted 11/18/2010 12:48 AM (GMT 0)
You can't really estimate, it all depends on your age, pre-existing condition, the plan you pick, and then trying to find one that will accept you with the pre-existing condition.
Posted 11/18/2010 1:24 AM (GMT 0)
I pay $350 a month to Kaiser Permanente. 30 year old male with only UC
Posted 11/18/2010 9:07 PM (GMT 0)
Yes, what state are you in matters greatly.
Posted 11/20/2010 4:24 AM (GMT 0)
It is most likely going to be the case that you will be turned down for individual insurance in the private market because of your preX. if that is the case, look into the new federal high risk plans that have been developed as a result of healthcare reform. these plans where in place and accepting members in my state of new mexico as of august of this year. in new mexico they were also reasonably priced because they based premiums on income levels. that being said, it is my understanding that not all states have allowed a federal high risk plan to be put in place and so this may not be an option where you live. worth a look though.
Posted 11/21/2010 4:22 AM (GMT 0)

Joma said...
It is most likely going to be the case that you will be turned down for individual insurance in the private market because of your preX. if that is the case, look into the new federal high risk plans that have been developed as a result of healthcare reform. these plans where in place and accepting members in my state of new mexico as of august of this year. in new mexico they were also reasonably priced because they based premiums on income levels. that being said, it is my understanding that not all states have allowed a federal high risk plan to be put in place and so this may not be an option where you live. worth a look though.

The new one coming here requires you to have no insurance for a period of 6 months.

The existing high risk pool says you have to quit if 'at any time' you are offered any plan whatsoever.

Doz79,

Are you talking about an individual plan or a group plan ?
Posted 11/21/2010 5:27 AM (GMT 0)
dont know if its the same everywhere else but in Alabama if you enroll with blue cross blue shield through an employer preexisting doesnt matter you get automatic acceptance. my employer paid 80% but its somewhere around $410 a month to pay it outright. deductibles vary depending on plan. Im on my parents plan again because i quit work and went back to school after I got too sick it was $20 a dr visit before now its $30. I just had J-pouch surgery oct 19th and out of pocket all I paid was $250, dont know if I have to pay another $250 for step 2 on dec 2 or not tho.
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