Blue Shield is part of the Blue Cross and Blue Shield Association in United States, which is formed of 39 different insurance organizations for health. These companies or organizations have combined forces to provide the residents of United States with the most diverse affordable quality health insurance policies which would be affordable as well. A vital function under this organization is of offering individual health insurance policies as well.
Blue Shield and Blue Cross were separately founded in 1939 and 1929 respectively, and they were united as a single association in 1982. With the current increasing cost of medical expenses, an individual who have not yet purchased an individual health insurance policy from Blue shield might as well be facing the daunting consequences of a financial back lag. Side by side, there are other insurances which do offer coverage but not all medical coverage that an individual needs.
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My current employer does not offer Health Insurance so I’m looking at different companies
I quit my job and I can continue with a decent health insurance plan for my family under COBRA, or I can switch to an individual plan. Being over 50, my wife is supposed to have over $500 of routine tests in a year, otherwise she’s pretty healthy. My son and I are in pretty good health. Any payments we make would be deducted from my wife’s salary before taxes. Our marginal income tax rate, including state tax, is about 19%. Would we be better off with low deductible and high premiums or the reverse? The COBRA plan is fairly low deductible and high premiums.
Question got messed up, should say, “is high-deductible or low-deductible better?”
Thanks,
Houyhnhnm
My reply to Insuranceguytx–yes I can pay $5,000 out-of-pocket for major problems. If I can recoup it in a reasonable period with lower premiums, I’d take that chance.
And I would appreciate some links to helpfull info.
Hi… couple of facts….
1. My husband’s company does not offer health insurance, so we buy his own individual policy.
2. I have a preexisting condition that his individual policy won’t cover, so I have a state sponsored insurance policy. I also have a small policy that my work requires me to have.
We pay $209/ mo for him and $477 for me out of our own pockets. Would we be able to deduct all of this or is there a limit on how much we can deduct?
Im a new immigrant in california and I need a personal insurance…Im not employed yet so I might need a short term health insurance…
If you or a loved one has been struggling with paying for health insurance coverage it may be time for you to start looking at other providers. When you are looking for other providers for possible health insurance coverage you want to look at a few different things that may make you decision easier.
The first thing you want to look at when you are trying to decide what type of health insurance coverage that you need is who are you looking for coverage for? If you are looking for your entire family you want to look for a health insurance company that has great family plans that can cover not only you and your spouse but also children if you have them, children are one of the most important groups to cover because they often need health care visits more than once a year. Children are very susceptible to illnesses and injuries and without health insurance these medical expenses can become very costly. If you are looking for just individual coverage you may want to look into Aetna individual health insurance, not only do they provide great health insurance coverage, but Aetna individual health insurance also provides that health coverage you need at an affordable price. It is difficult these days to find health insurance coverage that is affordable for someone to pay by themselves, and with Aetna individual health insurance you have the opportunity to pay very low premiums in order to keep yourself fully insured.
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I have fibromyalgia, was diagnosed years ago. I have not had insurance for about half of that time. Does anyone know how to find affordable individual health insurance with a preexsisting condition? I have foun d plenty of plans that will cover me eventually but I cannot afford to pay the insurance premium and my doctors visits and prescriptions while I wait six mths to a year to get covered. Please do NOT suggest e-surance, they do not have affordable plans that cover pre-exsisting.
I need to find insurance that has the following:
1. Bariatric Coverage
2. Out of Network Coverage
3. 60-100% Out of Network Coverage per day
Does anyone out there know of one that has all of these features?
