Joined: 29 Mar 2008 Posts: 1 Location: San Clemente, CA Orange
Should I get insurance or pay out-of-pocket? Posted: 03-29-08 18:21pm
I currently live in Southern California
and work part-time with no medical
coverage. I was recently accepted to NYU
College of Dentistry and will be moving
there in July. Before that though, I need
to get physical & immunizations. I
will definitely get medical insurance once
I move out there, but my concern is before
that time.
Things I need for sure: Physical, TB skin
test, Hep. B, and Meningitis
immunizations.
My question is: Should I purchase a
short-term insurance coverage to get the
necessary physical/immuzations done or
should I just do it out-of-pocket. Also,
if it is worth getting insurance for this
period, would you guys please recommend
couple of plans for me. ( I am 24, Male,
non-smoker).
THnaks in advance.
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JM1983
New User, Becoming EHEALTHy
Joined: 07 Apr 2008 Posts: 4
Advice for You Posted: 04-08-08 06:50am
My recommendation would be to sign up for
coverage as soon as possible. As a
broker, the biggest mistake that I find
people make, is going to see a doctor and
get tests while not insured.
If you go get a physical and the Doctor
find something wrong with you, this will
most definately be put in your medical
records. Same goes for all the tb,
meningitis, and other tests. If you are
diagnosed with anything while uninsured,
it will be much, much harder to get
insured (or expensive). My advice would
be to put a policy in place "just in
case"
I recommend putting a normal health
insurance policy into place as opposed to
a temp policy, if you want it for
immunizations, tests, and a physical.
Health insurance is set up on a unilateral
contract. This means that you can cancel
at anytime. So, you can sign up this
month for a policy, and cancel in a month,
two,three, etc.
Short-term insurance won't pay for
immunizations, tests, or a physical exam.
Short-term is set up like a one deductible
plan. You have one deductible you have to
meet. After this, many policies offer
100%, 80% and 70% coinsurance.
