by Ricks » Wed Aug 18, 2010 11:57 pm
I am 25/M/Non-smoker full time college student.
I am looking for a plan, I was leaning towards United Healthcare, one of their copay selects until I found out there is a 3 month waiting period. Does this mean that I cannot use the insurance for the first 3 months I am paying?
I need a plan I can use right away. Also one I can cancel at anytime, Can somebody recommend one. Thanks.
Price range is no more than 120.00 per month
I am looking for a plan, I was leaning towards United Healthcare, one of their copay selects until I found out there is a 3 month waiting period. Does this mean that I cannot use the insurance for the first 3 months I am paying?
I need a plan I can use right away. Also one I can cancel at anytime, Can somebody recommend one. Thanks.
Price range is no more than 120.00 per month
Posted: Thu Aug 19, 2010 12:03 pm Post Subject:
You say that you're not a smoker. Is there any reason why you don't wanna wait till the waiting period gets over? See, I don't think all that's quick is good for us. Moreover, you must understand that the insurers cover your risks, but they don't cover you for anything that you already have.
Posted: Sat Aug 21, 2010 11:01 am Post Subject:
hi,
few days ago i saw a insurance website .this website covers for all types of health insurance policy,like health insurance , family insurance, dental insurance, callege studente insurance . so you are not a smoker & fulltime collage student.so you open the website and find the answer your all question.
this website name is
www.healthinsurancebluebook.com
Posted: Fri Sep 03, 2010 12:08 pm Post Subject:
I think you should invite quotes from atleast 4 providers or better visit those websites which lets you invite and compare different health insurance plans.
Posted: Mon Sep 06, 2010 02:25 am Post Subject:
Short Term health insurance
Posted: Mon Sep 06, 2010 12:32 pm Post Subject:
I found out there is a 3 month waiting period. Does this mean that I cannot use the insurance for the first 3 months I am paying?
If this is true about the coverage, "medical" claims will not be paid for any events in the first three months. However, covered "emergency" claims will always be paid (subject to deductibles and copays).
But UnitedHealthcare is not the only insurance company out there. Work with a local agent who represents multiple companies to find the coverage most suitable for your needs.
Posted: Thu Sep 16, 2010 09:31 pm Post Subject: plan
before concluding do consult internet because there you can find the best possible information and i am sure there you will also find teh best plan so better consult internet too
Posted: Thu Sep 16, 2010 10:04 pm Post Subject:
before concluding do consult internet because there you can find the best possible information and i am sure there you will also find teh best plan so better consult internet too
First off, I would disagree with this. The Internet, as "good" as it is, is a tough place to look for insurance, especially for those lines of coverage in which there are lots of potential issues... like with health coverage. I think the OP needs to speak with an experienced agent instead.
Regarding the OPs post:
I found out there is a 3 month waiting period. Does this mean that I cannot use the insurance for the first 3 months I am paying?
Chances are that this is a "probationary" period which is pretty common in individual medical expense coverage. This provision basically states that ILLNESS will not be covered for the first 3 months after the effective date. The purpose of the probationary provision is to make sure that you didn't buy the coverage because you either thought or knew something was wrong with you medically.
Probation generally only applies to illnesses and NOT accidents. You might know if you're ill, but you don't know you're going to be in an accident. so accidents/injuries are normally covered during the probationary period.
InsTeacher 8)
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