OT - Need advice on finding a good Health Insurance Plan

Leor_77 · Post #1 » by **Leor_77** » Thu Feb 16, 2012 11:10 pm

Hi all,

I'm in a situation where I need to find a good health insurance option. I don't get it through my job, but can afford to pay the monthly premiums, and would like something around $200, or maybe even less. I've been with Kaiser all of my life, and am considering PPO's. I had some not so great experiences with Kaiser where I've had to wait unbelievable amounts of time for an appointment when I was trying to get seen by a good doctor in a specialized department, like Ear Nose and Throat, etc. I don't like how they made me wait 3-4 weeks for an appt. when I really had to be seen, and all they could say was, "Call every day to see if someone cancelled," which almost never yielded a quicker appt.

I'm definitely a young guy (mid 20's) and relatively healthy, although I have sinus and GERD/heartburn issues, more often than I would like. Never had a PPO, although am intrigued by the possibility of going to see whoever I want, instead of who they say I can see. Would appreciate some advice.

Thanks.

dirtymike · Post #2 » by **dirtymike** » Fri Feb 17, 2012 3:51 pm

I am a licensed insurance agent. What state do you live in?

eckoner · Post #3 » by **eckoner** » Fri Feb 17, 2012 4:48 pm

I dont know how you are gonna get anything cheaper than Kaiser! (Yes you get what you pay for)
Perhaps your parents can put you on their plan?

Gek · Post #4 » by **Gek** » Fri Feb 17, 2012 8:20 pm

you might actually get a real response for this on the OT board.

Leor_77 · Post #5 » by **Leor_77** » Fri Feb 17, 2012 8:39 pm

dirtymike wrote:I am a licensed insurance agent. What state do you live in?

Southern California.

dirtymike · Post #6 » by **dirtymike** » Fri Feb 17, 2012 9:53 pm

Try Cigna. Go with the Open Access Value 5000 plan. Call me and I will sell you the plan! 877 244-6260 ext 20537. Ask for Mike.

dirtymike · Post #7 » by **dirtymike** » Fri Feb 17, 2012 10:59 pm

Im going home now! Holla at me Monday! Go Lakers!!!!!!

eckoner · Post #8 » by **eckoner** » Sat Feb 18, 2012 4:04 am

dirtymike wrote:Try Cigna. Go with the Open Access Value 5000 plan. Call me and I will sell you the plan! 877 244-6260 ext 20537. Ask for Mike.

Sorry could'nt help myself...."Go see Cal Go See Cal Go See Cal" lol

I'm sure you could offer better advice than anyone else here that is unless you work on commission! :-)