What insurance you have and how much you paying per month?

Message

#1 Post by **yliu123** » Mon Mar 22, 2010 7:35 pm

example..

kasier $150/month

Website · #2 Post by **vonjo27** » Mon Mar 22, 2010 9:22 pm

carefirst bluechoice- 338/month for wife 24 yo and myself 24 yo... that includes the extra 20 dollars/month for dental

#3 Post by **attackred** » Tue Mar 23, 2010 1:40 pm

kaiser $30/Month 1 person. Company subsidized

#4 Post by **avy** » Wed Mar 24, 2010 8:35 pm

Defence Health - $185 per month for myself and my bf. Top hospital and standard extras.

#5 Post by **sarah578** » Wed Mar 24, 2010 10:03 pm

I have an individual health insurance plan because I can't get health insurance through my work. I'm always wondering whether or not I have the right plan. I basically just chose the cheapest one with enough coverage that I felt ok about it.

#6 Post by **yliu123** » Thu Mar 25, 2010 7:36 am

sarah578 wrote:I have an plan because I can't get health insurance through my work. I'm always wondering whether or not I have the right plan. I basically just chose the cheapest one with enough coverage that I felt ok about it.

does it cover jaw surgery?

#7 Post by **sarah578** » Tue Apr 06, 2010 9:10 am

I double checked and my specific plan does, but I know that many plans don't. Make sure you look through your policy and your exclusions to see if you're covered.

#8 Post by **lakimsa** » Wed Apr 14, 2010 10:46 am

I have Kaiser insurance (HMO-D), and am unsure how much they will pay for my surgery. The Kaiser rep was pretty unhelpful. He said for "TMJ" surgery they cover up to $1000. I will be needing wedges of bone removed from my upper jaw to correct jaw problems, so it's not aesthetic, and it's not really TMJ either... Anyone else have experience with this?

#9 Post by **attackred** » Wed Apr 14, 2010 2:48 pm

lakimsa wrote:I have Kaiser insurance (HMO-D), and am unsure how much they will pay for my surgery. The Kaiser rep was pretty unhelpful. He said for "TMJ" surgery they cover up to $1000. I will be needing wedges of bone removed from my upper jaw to correct jaw problems, so it's not aesthetic, and it's not really TMJ either... Anyone else have experience with this?

Lakimsa,

I'm not sure if your plan is the same as mine. My plan states that I need to pay $250 per surgery and $20 per day in the hospital.

Fri Jun 04, 2010 10:02 am

I have Cigna through my work. I pay $40 a month.

My maximum calendar year deductible is $5000, so I'm saving about $25000 by working at my entry level restaurant job

Fri Jun 04, 2010 11:57 am

queenofoverbite-

I have cigna also--but their international ex-pat plan.....are you having your surgery covered? I was told, yes, it's a covered surgery, and because we have an international plan, there is not preauth required. I am still a 3-5months prior to surgery, so I haven't pushed any further than that, so I was wondering what your experience is?

#12 Post by **queenofoverbite** » Mon Jun 07, 2010 8:24 pm

Im not sure if there is a pre-authorization required for my plan but I think so. My surgery is $20,000 and there is NO WAY I am taking the risk of getting stuck with the bill if they decide it wasn't medically necessary, etc.

Also, I have heard that without a preauth, sometimes you have to pay up front and submit to your insurance after the fact for reimbursement.