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  3. How to buy medical insurance personally?

How to buy medical insurance personally?

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  • S Southmountain

    recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.

    diligent hands rule....

    J Offline
    J Offline
    jeron1
    wrote on last edited by
    #3

    Southmountain wrote:

    I have UNH now.

    If you like them, give them a call and see if they'll give you a quote for a policy that's similar to what you have now.

    "the debugger doesn't tell me anything because this code compiles just fine" - random QA comment "Facebook is where you tell lies to your friends. Twitter is where you tell the truth to strangers." - chriselst "I don't drink any more... then again, I don't drink any less." - Mike Mullikins uncle

    S 1 Reply Last reply
    0
    • S Southmountain

      recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.

      diligent hands rule....

      OriginalGriffO Offline
      OriginalGriffO Offline
      OriginalGriff
      wrote on last edited by
      #4

      [Removed by me as it may be considered as trolling] It wasn't intended that way, so ... it's gone.

      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
      "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

      0 S 2 Replies Last reply
      0
      • OriginalGriffO OriginalGriff

        [Removed by me as it may be considered as trolling] It wasn't intended that way, so ... it's gone.

        "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

        0 Offline
        0 Offline
        0x01AA
        wrote on last edited by
        #5

        I'm curious to see what follows here... I only know one thing, if I had written this, I would have been blown away from here :omg:

        OriginalGriffO 1 Reply Last reply
        0
        • 0 0x01AA

          I'm curious to see what follows here... I only know one thing, if I had written this, I would have been blown away from here :omg:

          OriginalGriffO Offline
          OriginalGriffO Offline
          OriginalGriff
          wrote on last edited by
          #6

          It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.

          "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

          "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
          "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

          0 Greg UtasG O K 4 Replies Last reply
          0
          • OriginalGriffO OriginalGriff

            It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.

            "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

            0 Offline
            0 Offline
            0x01AA
            wrote on last edited by
            #7

            I completely agree. I am just surprised by your statement here at this place (because of, you know that sentence in the top of this forum...).

            OriginalGriffO 1 Reply Last reply
            0
            • 0 0x01AA

              I completely agree. I am just surprised by your statement here at this place (because of, you know that sentence in the top of this forum...).

              OriginalGriffO Offline
              OriginalGriffO Offline
              OriginalGriff
              wrote on last edited by
              #8

              Hmmm. I hadn't thought of that. Do you think it counts as trolling or political? It wasn't intended that way ...

              "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

              "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
              "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

              0 1 Reply Last reply
              0
              • S Southmountain

                recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.

                diligent hands rule....

                F Offline
                F Offline
                fgs1963
                wrote on last edited by
                #9

                Move to a country where the government provides your insurance (or healthcare) and taxes you accordingly - there are many. Every developed country except the US in fact ... Remember - this is the same government that screws up every other facet of your life that they touch.

                OriginalGriffO C 2 Replies Last reply
                0
                • F fgs1963

                  Move to a country where the government provides your insurance (or healthcare) and taxes you accordingly - there are many. Every developed country except the US in fact ... Remember - this is the same government that screws up every other facet of your life that they touch.

                  OriginalGriffO Offline
                  OriginalGriffO Offline
                  OriginalGriff
                  wrote on last edited by
                  #10

                  That is the function of all governments, it seems ... :sigh:

                  "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                  "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
                  "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

                  1 Reply Last reply
                  0
                  • OriginalGriffO OriginalGriff

                    Hmmm. I hadn't thought of that. Do you think it counts as trolling or political? It wasn't intended that way ...

                    "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                    0 Offline
                    0 Offline
                    0x01AA
                    wrote on last edited by
                    #11

                    Yes, I think so. Something like 'political' or especally 'whatever' "Trolling, (political, climate, religious or whatever) will result in your account being removed"

                    OriginalGriffO 1 Reply Last reply
                    0
                    • 0 0x01AA

                      Yes, I think so. Something like 'political' or especally 'whatever' "Trolling, (political, climate, religious or whatever) will result in your account being removed"

                      OriginalGriffO Offline
                      OriginalGriffO Offline
                      OriginalGriff
                      wrote on last edited by
                      #12

                      Content removed.

                      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony
                      "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt

                      F 0 2 Replies Last reply
                      0
                      • OriginalGriffO OriginalGriff

                        Content removed.

                        "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                        F Offline
                        F Offline
                        fgs1963
                        wrote on last edited by
                        #13

                        No need to do that, Griff. Mine is staying unless management removes it. :elephant:'em if they can't take a joke and joke'em them if they can't take a :elephant:!

                        0 1 Reply Last reply
                        0
                        • F fgs1963

                          No need to do that, Griff. Mine is staying unless management removes it. :elephant:'em if they can't take a joke and joke'em them if they can't take a :elephant:!

                          0 Offline
                          0 Offline
                          0x01AA
                          wrote on last edited by
                          #14

                          I think it is pretty ok to remove it. Any low rep will be removed from the forum for something like that!

                          1 Reply Last reply
                          0
                          • OriginalGriffO OriginalGriff

                            Content removed.

                            "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                            0 Offline
                            0 Offline
                            0x01AA
                            wrote on last edited by
                            #15

                            :thumbsup: The objective statement which is still there explains neutral and is very ok (I mean this one: The Lounge[^] ) ;)

                            1 Reply Last reply
                            0
                            • S Southmountain

                              recently I am fed up with my fulltime job and want to retire soon. so I start to think about one question: how to buy a good medical insurance personally? I have UNH now.

                              diligent hands rule....

                              J Offline
                              J Offline
                              Joe Woodbury
                              wrote on last edited by
                              #16

                              Go to the medical marketplace (www.healthcare.gov). Consider contacting an application counselor. The one I used last year was excellent. My oldest daughter, in another state, has an excellent broker, so ask around.

                              S 1 Reply Last reply
                              0
                              • OriginalGriffO OriginalGriff

                                It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.

                                "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                                Greg UtasG Offline
                                Greg UtasG Offline
                                Greg Utas
                                wrote on last edited by
                                #17

                                The US has public medical care, but primarily for seniors (Medicare), the poor (Medicaid), and veterans (VA hospitals). But the costs have reached the point where medical tourism is now becoming a thing: Americans traveling abroad for non-urgent care. There are a number of countries (Mexico, Panama, Thailand, India, and others) where private clinics charge a third of what you'd pay in the US but where care is just as good (with doctors often trained in the US). Medical care in those countries is predominantly private, so not having a public system can't explain US costs. Some of the major factors are very high malpractice insurance (a legal system run amok), the physicians' guild (routine things that only doctors are allowed to do), and medical insurance being a non-taxable benefit for employees but a tax deduction for employers (which encourages no one to try to control prices), and care not being rationed by wait times (I've been waiting over two months to book an appointment with a specialist in Canada, and having lived in the US, I'd still take their flawed system hands down).

                                Robust Services Core | Software Techniques for Lemmings | Articles
                                The fox knows many things, but the hedgehog knows one big thing.

                                <p><a href="https://github.com/GregUtas/robust-services-core/blob/master/README.md">Robust Services Core</a>
                                <em>The fox knows many things, but the hedgehog knows one big thing.</em></p>

                                S 1 Reply Last reply
                                0
                                • OriginalGriffO OriginalGriff

                                  It's a fact - the US is the only developed country without a public health service, and it's medical costs are ridiculous as a result, because they charge what the insurance companies will pay. And they just put the premiums up to cover it. Just the ambulance cost apparently averages out $100 per mile! :omg: I really don't understand why Americans seem to think it's a good system, when the rest of the world takes care of the health needs of all citizens rather than just the richer ones.

                                  "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                                  O Offline
                                  O Offline
                                  obermd
                                  wrote on last edited by
                                  #18

                                  All health care is rationed. In the US it's rationed by price (note I didn't say market). In every other western country it's rationed by a board that decides who gets care, especially in life threatening situations.

                                  1 Reply Last reply
                                  0
                                  • J jeron1

                                    Southmountain wrote:

                                    I have UNH now.

                                    If you like them, give them a call and see if they'll give you a quote for a policy that's similar to what you have now.

                                    "the debugger doesn't tell me anything because this code compiles just fine" - random QA comment "Facebook is where you tell lies to your friends. Twitter is where you tell the truth to strangers." - chriselst "I don't drink any more... then again, I don't drink any less." - Mike Mullikins uncle

                                    S Offline
                                    S Offline
                                    Southmountain
                                    wrote on last edited by
                                    #19

                                    it is easy to call, but I doubt their service people understand my question.

                                    diligent hands rule....

                                    J 1 Reply Last reply
                                    0
                                    • OriginalGriffO OriginalGriff

                                      [Removed by me as it may be considered as trolling] It wasn't intended that way, so ... it's gone.

                                      "I have no idea what I did, but I'm taking full credit for it." - ThisOldTony "Common sense is so rare these days, it should be classified as a super power" - Random T-shirt AntiTwitter: @DalekDave is now a follower!

                                      S Offline
                                      S Offline
                                      Southmountain
                                      wrote on last edited by
                                      #20

                                      from OG's input, now I know it is absurd question...

                                      diligent hands rule....

                                      1 Reply Last reply
                                      0
                                      • Greg UtasG Greg Utas

                                        The US has public medical care, but primarily for seniors (Medicare), the poor (Medicaid), and veterans (VA hospitals). But the costs have reached the point where medical tourism is now becoming a thing: Americans traveling abroad for non-urgent care. There are a number of countries (Mexico, Panama, Thailand, India, and others) where private clinics charge a third of what you'd pay in the US but where care is just as good (with doctors often trained in the US). Medical care in those countries is predominantly private, so not having a public system can't explain US costs. Some of the major factors are very high malpractice insurance (a legal system run amok), the physicians' guild (routine things that only doctors are allowed to do), and medical insurance being a non-taxable benefit for employees but a tax deduction for employers (which encourages no one to try to control prices), and care not being rationed by wait times (I've been waiting over two months to book an appointment with a specialist in Canada, and having lived in the US, I'd still take their flawed system hands down).

                                        Robust Services Core | Software Techniques for Lemmings | Articles
                                        The fox knows many things, but the hedgehog knows one big thing.

                                        S Offline
                                        S Offline
                                        Southmountain
                                        wrote on last edited by
                                        #21

                                        it seems like I can only buy private medical insurance now.

                                        diligent hands rule....

                                        Greg UtasG D 2 Replies Last reply
                                        0
                                        • J Joe Woodbury

                                          Go to the medical marketplace (www.healthcare.gov). Consider contacting an application counselor. The one I used last year was excellent. My oldest daughter, in another state, has an excellent broker, so ask around.

                                          S Offline
                                          S Offline
                                          Southmountain
                                          wrote on last edited by
                                          #22

                                          this is affordable act...

                                          diligent hands rule....

                                          C 1 Reply Last reply
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