Scan Medical Insurance - Where do I start with medical insurance?

Where do I start with medical insurance?

I work at a small Real Estate comany as an office administrator, and no health insurance is offered. Honestly, I do not make enough to afford most of the plans I've looked into. On top of that, I have the Insurance Agents calling me non stop everytime I visit a website to try and find a quote. So frustrating! Anyway, I am only 21 years old. My mom and dad divorced 2 years ago, my mom no longer has health insurance, but my younger brother is still covered under my father's health insurance (United Healthcare). He's 14. I've heard about a "young adult rider" for Blue Cross Insurance, (where you can still cover your child after age 18 for a little extra more each month) but wondering if anything like that is available for United Healthcare? I am not in school full time, I am only attending Real Estate Courses, which don't count for anything in the insurance world. What can I do to find some sort of coverage that won't make me go bankrupt? I need some insight, thanks for the help. In response to the first question: If you lived in MIchigan, you would know that it's nearly impossible to find health coverage anywhere. Our economy is about the worst in the country. And to the second question, now that i'm 21, I've been turned down for Medicaid. That's michigan for ya.

Public Comments

I quite honestly would find a job that offers health insurance. Individual health coverage is expensive everywhere. You can try a negotiate a higher out of pocket payment for a lower premium. But you will have to pay more either way.
United Healthcare is probably going to require you be in school full time to pick up a rider for young adults. It wouldn't hurt for your Dad to ask about it at work though. Never hurts to ask. Have you looked to see if you qualify for health coverage through your state through any programs or medicaid? It never hurts to look into that as well. Even if it's just temporary while you are getting your real estate license courses in. Also Blue Cross Blue Shield often has some low cost individual alternative coverage I would call them.
go to a factory most of them offer medical insurance
If you're relatively healthy, you should be able to get a private insurance plan for around $100 a month. (I worked for a large insurance company that offers individual plans in Michigan and handled a lot of premium information.) If you can't afford $100 a month for your coverage, you may want to reconsider your line of work...with the real estate market in Michigan being the way it is, your financial situation isn't likely to skyrocket even after getting your real estate license. Anyhow, even an employer group plan is likely to cost you at least $100 a month in paycheck withholding. There are jobs in Michigan that do offer health insurance - just depends on whether those jobs are what you want to be doing or not. Might not be career type jobs where an older, more established person could support a family on, but there are jobs out there that would work okay for a 21 year old without dependents. Its a matter of deciding what's most important to you - do you want to stay in the real estate industry to work your way up? (And if you do, then you need to find a way to afford to purchase your own insurance coverage or do without.) Or, give some thought to another industry. Hell, even retail and fast food offer benefits if you work full time. (Not that I'm saying that you should go into those fields of course, just saying that you might need to "think outside the box" and not limit yourself to what sort of jobs you're willing to work if you decide that having benefits is a priority for you.) Or else go back to school full time - you could probably be added back to your dad's policy and/or qualify for a student policy through your school. (Many community colleges even offer student health policies now, and they'll factor the premiums right into your finanical aid.) Good luck.
Try short term medical insurance. Provides coverage for up to 365 days, depending on the state you live in, and is not very real expensive. Try this website. They don't call you if you visit their site.
www.farhc.com and find the Area Marketing Director Mark Simpkins He can either get you a price or get an agent to come out and help you. If you have more than 2000 bucks in assets you will not qualify for medicade and if your working they won't take you
My husband and I went in debt and spent thousands in health insurance, not including the copay and deductibles. I knew we just couldn't do that anymore. So, I started doing alot of research and we went with a discount plan that has a hospital advocacy if your hospital bill is over $2,500. Love it!! It has saved us thousands!! It starts out at $19.99 a month. Here is a link to my broker http://www.mybenefitsplus.com/cmcdowell Hope this helps. I feel your pain.
I sent you an email, while I do not sell individual, nor do I work in your state, lets look at what your options are and what they really mean....