help. I don;t know what insurance plan choose?

Question

Hi. I am full-time student who goes to major university at Chicago (DEPAUL). Should I get Aetna IL Preventitive and Hospitalization plan for $48 per month ($1250 deductible, coin 20%, coin max $2500) or IL 5000 ($5000 deductible, but has copays for doctors and specialist before deductible for $49 per month, same coin and coin max). Or should I get BCBSIL for $43 per m ($2500 deductible, 20%, but only $1000 out-of packet max).

I am with no health insurance- I only have health plan provided by my school ($80 per quarter) that covers the visit to internal medicine doctor (no refferals to specialists). My parents don't have insurance. I am currently 19 and work part-time (little dangerous job as I work at stockroom with heavy lifts sometimes). I already have from Aetna provided by my schoo lcheap vision dental discount plan.

And by the way can I apply for medicaid on my own or I must as family? I am still depentent and live with parents.

Answer 1

I work for a student insrance company so I may can help you here. Based on the information you have provided, I would say out of these choices, the BCBSIL due to the 1000 out of pocket man. Still, the high deductibles will be a killer with you being a student. Not sure about the rates but the company I work for also offers short term insurance. Since we do not do the student insrance for your school, you could still check out our site at www.studentinsurance.com......look down the blue side bar to the left and click on short term insurance. This will link you to the Assurant Health site. Just fill out the form for a quote. Hope I have helped you.