hello, im a 21 year old student who needs ! my family doesnt qualify for free from the state, but my mother is not working to get . does anyone know of a free or at least cheap way to get ? thank you.

 

  • jjandelizabeth 6:22 pm on October 20, 2009

    This is what we use.
    http://www.mybenefitsplus.com/JBurke
    It’s a discount card, saving you up to 80% off service for medical, Dental, Vision, and Prescriptions. Just an example, my husband was looking into eye surgery, and his doctor was charging $5,000, we showed him our card and the price when down to $2,700. It’s great for those, like us, who can’t afford traditional insurance.

  • Zarnev 6:22 pm on October 20, 2009

    Sorry, but if you don’t qualify for Medi-cal from the state there is no other free insurance.

    You can lower your premium if you go with a higher deductible. Don’t be afraid of a higher deductible. On most policies you don’t have to meet the deductible for doctor visits and prescriptions. The deductible will come into play if you go into the hospital.

    You should visit a local independent agent. This person knows the market in your area and can find a good policy for your situation plus they don’t charge you anything for the service. I don’t know what you consider cheap but you should be able to get a decent policy for less than $100.

    You might get some answers concerning medical discount cards. Be very wary of them, most are scams and at best only give you a small discount. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards.

    Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

    Most dental policies are not that good and if you only need a checkup or a cleaning you’re better off without insurance. If you need more consider a fee for service type of dental discount plan. This plan has a set fee for a procedure, not a percentage off like a regular dental discount plan. I’m an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.