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Q: health insurance for a single woman in Rochester New York ( No Answer,   1 Comment )
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.
There is no answer at this time.

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

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

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.

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