Health care?

Question:

i have been paying $200 per month for health coverage through my employer that only covers 15%. does anyone know of a good group insurance that costs less?

Answer:
insurance coverage is a tough issue. try to find an employer that pays at least 50% and uses a good carrier.

Your question is not clear.

What do you mean it only covers 15%?

Anyway, just search for health insurance and put your contact info on just one site for a quote. Several agents will call and help you on the phone.

You better have your plan in front of you and understand the benefits.

It's hard to believe that your employer would have coverage on their employee's that is so bad. You need to check your Summary Plan Description (Benefit Booklet) for the exact coverage percentage, co-pay, deductible, out-of-pocket amount and stop loss amount. You may have received a service that was partially not covered or a large amount was applied to your deductible or you went to a non-participating provider. If you're paying $200 per month for a single person, than you're getting ripped off. The only way that you can get other group coverage is to change employers or belong to an association of some type to qualify for their group coverage. Good luck.

It can't be that it only covers 15% of the medical expense.
Most states would not allow that coverage.
It has to be that your $200 per month premium pays 15% of the premium costs and your employer picks up the other 85%.which is about right for the average family insurance premium.which is about $1200-1500 per month.

Have you actually used the plan..in other words gone to the doctor and had to pay 85% of the bill?

Likely not.you are confused.

If you are not certain, call your employer's HR person and ask more specifically how much your plan pays to the provider and how much you'll be responsible for.

If they don't know, call the insurer with your policy number and ask them.

I've never, ever heard of a plan at that rate that only pays 15% of the expenses and leaves the policyholder with the rest.

If that's the case..just opt out of the plan.take the $200 and put it in an account and just hope you don't get really sick.

Maybe you can try below website to get the information. It's about how to find a good health insurance provider articles for your second opinion

Health care?

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