Google Answers Logo
View Question
 
Q: health insurance for a single woman in Rochester New York ( No Answer,   1 Comment )
Question  
Subject: health insurance for a single woman in Rochester New York
Category: Family and Home > Seniors
Asked by: 123grandma-ga
List Price: $5.00
Posted: 03 Jan 2006 01:59 PST
Expires: 02 Feb 2006 01:59 PST
Question ID: 428367
My husband passed away over 3 years ago and now after having Cobra
insurance I have had to pick a new insurance. The most comparable was
Preferred Care or Blue Choice. The cost is about $755.00 per month. 
I'm now not working and can't afford to pay that high insurance. Is
there anything that is still a good policy (i do have a few medical
conditions) for much less? I'm only 50 and not working.
Answer  
There is no answer at this time.

Comments  
Subject: Re: health insurance for a single woman in Rochester New York
From: scubajim-ga on 03 Jan 2006 16:05 PST
 
You are going to have to shop around.  One thing to look at is
coverage for more catastrophic cases instead of covering Dr. Visits. 
That is a major medical plan witha  large deductable (eg $1,000 to
$2,500 or even $5,000 or more) can save you a lot of money over a $300
dductable.  if you save the difference in premiums it can be
signifigant.  I remember Met life decades ago had a major medical with
a $1,000 deductable per illness (but the deductable want for 5 years
for that illness) and 80/20 % with a total out of pocket of $3,500. 
It was quite reasonable and especially suited for large bills (eg
major medical) and not for standard Dr. visits.  Equitable (Axa now)
had a major medical witha  $10,000 deductable that was very
reasonable.

I know those deductables sound like a lot of money, but would you
rather have some insurance to cover large medical bills or no
insurance.

You might see if the state offers anything.  Maybe they offer lower
income people people coverage that is very reasonable based upon
ability to pay.  (NY has a lot of liberal programs, they may have
something for you.)

I wish you the best of luck.

Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Google does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. Please read carefully the Google Answers Terms of Service.

If you feel that you have found inappropriate content, please let us know by emailing us at answers-support@google.com with the question ID listed above. Thank you.
Search Google Answers for
Google Answers  


Google Home - Answers FAQ - Terms of Service - Privacy Policy