Health Insurance

[dalebert]

My move date is scheduled as the last day of July but I've hit a bump. I just discovered that Kaiser Permanente doesn't have services in NH! Any suggestions for who to go with? This may delay my move date if I can't find a reasonably costing replacement.

[Dreepa]

My move date is scheduled as the last day of July but I've hit a bump. I just discovered that Kaiser Permanente doesn't have services in NH! Any suggestions for who to go with? This may delay my move date if I can't find a reasonably costing replacement.

Find out who Kaiser is 'partnered' with.

[dalebert]

Find out who Kaiser is 'partnered' with.

I asked the lady on the phone that and she just had no suggestions. It was very odd.

[porcupine kate]

I was also wondering about health insurance companies in NH. 
Does anyone have any experience dealing with high deductible short term insurance?
I may need to cover 3 to 6 months.

[FSPinNY]

Yep, me too.  I asked two Mega Insurance agents in NH to send me quotes and their home office computer won't send quotes to states they won't do business in! (NY) Even though the quote was for a town in NH. 

And, my understanding is that there is no "group" insurance available in NH. Is that right? I'm a part of a statewide business group here in NY and it cuts my BC/BS premium by 2/3.

[Porcupine Realtor]

Dale, you're a young guy.  Don't let lack of insurance stop your move.  When you get to NH look around.  Surely there are plenty of programs.  Just self-insure until you find somethin.  If you get real sick, have someone drive you to Mass. where the socialists will care for you.

[dalebert]

Dale, you're a young guy.  Don't let lack of insurance stop your move.  When you get to NH look around.  Surely there are plenty of programs.  Just self-insure until you find somethin.  If you get real sick, have someone drive you to Mass. where the socialists will care for you.

I'll do my looking around before I go. It's not the kind of thing you shop for by window shopping. You do it online and by phone. I on weekly allergy shots and I need to get treated for ADD if I'm going to get a job. Going without insurance is completely unacceptable to me even if I didn't have those ongoing issues. Even the healthiest person can have an unexpected health issue. I have a friend my age who's going to die of cancer in a few months and that's probably largely due to the fact that he's getting horrible healthcare from the state.

Surely there are free-staters who are insuring themselves up there. No one has any suggestions? Well I haven't checked anything since it's the weekend but I'll do some research tomorrow.

[jaqeboy]

NASE, the National Association for the Self-Employed, may be of interest:

http://www.nase.org/

[Beth221]

I have a health saving account, along with insurance by Mega.  I can travel anywhere, world wide, and live any place, even NH.  PM me for more info.  I havent had to use the insurance yet.  I have a savings account which i use for medical expenses and deductibles, once met, the insurance picks up the rest.

the only thing i did not like, was the state i am in, RI, mandated i have a additonal plan for medications, even when i am not taking anything.  So, in RI i still need to pay for an unwanted prescription plan.  Arg..  WHen i scoot up to NH, i can drop it. 

The reason why i went with a HSA and this insurance company, it was a lot cheaper than cobra, and cheaper than the average plans by the more common carriers.  My monthly rate is 140, which i pay every quarter, (savings if you pay quarterly or yearly) and if i went with a common health insurance carrier, like united health, or blue cross, or even my cobra, it would have been $400 a month.  Yeah i didnt find that worth it for me, since i try my best to stay out of the doctors office. 

[Beth221]

NASE, the National Association for the Self-Employed, may be of interest:

http://www.nase.org/

hahah while i was writing you added that, and YUP that  who underwrites my mega inc. insurance, with the HSA

[mappchik]

We use an HSA with a high deductible plan ($2500 indiv). Since you have several prescriptions, you might want to shop the plans to make sure your Rx's can be included toward your deductible. Since Jon's Allergy/Asthma/Concerta averages $250/month, that was important to us.

Until you can get something set up, Kaiser should allow you to continue for a while out of state. Pharmacy items will still be the same, but you would have to pay the higher % of any doctor/hospital visits. Still, is easier to get insurance while you have insurance.

[dalebert]

Until you can get something set up, Kaiser should allow you to continue for a while out of state. Pharmacy items will still be the same, but you would have to pay the higher % of any doctor/hospital visits. Still, is easier to get insurance while you have insurance.

I think you're probably right. They say they don't have services in NH, but in a pinch, I can prolly commute to Taxacheusetts for a little while.

Thanx guys. This information is very helpful, and I suspect to more people than just me.

[dalebert]

Turns out Kaiser only covers emergencies up there for people travelling. There is no coverage for things like my weekly allergy shots and medicine. I'm coming up anyway and getting new insurance as quickly as possible. I'll maintain my Kaiser for a short while in case of emergency but I'm cancelling it as soon as I can get something else. Hopefully I can get something worked out for allergy shots because I know you're not supposed to go off the schedule for long. I forgot to ask how long you can go before it gets messed up and you potentially might have to start all over again.

[lyn rn]

I don't know what you are allergic to but remember that some of the environmental allergens are not present or less abundant in NH than in the south. I never had allergies until I moved from NH to FL. My mom as well, and she moved to the west a few years ago and has been able to do away with all her allergy shots and meds. When I visit NH I see an abatement of my symptoms. You never know but this may work for you as well.

Lyn

[demosfen]

Is there a reason you want to get scammed by insurance companies? I've been self-insured for 3 or 4 years now, paying cash for any visit, and am not missing anything. Did you know that insurance companies are in it for profit and you can save if you kill the middleman? Two middlemen actually, since your doctor doesn't pay income tax on cash payments. Instead of funding insurance companies, why not pay your doctor directly and spend the difference on krugerrands

Are you guys for involuntary health care for everyone by any chance? Any Barak Obama supporters here?

Not mentioning that no insurance covers homeopathy, TCM, etc.