EPO Health Insurance Question?

Question

I am a 22 year old college student, the place that I work at does not offer health insurance, my father has just retired from his job, and I am being kicked off of his insurance. I was concidering going with an EPO plan, can anyone give me some advice on the subject?

I am really only purchasing the plan for in the event of an emergency room visit. And I am in pretty good shape physically.

Answer 1

EPO's fine. In network benefits only... It depends on how the deductibles and premiums are to tell you if its worth it... But, it better than an hmo, and less expensive than a ppo.

Answer 2

You might want to just consider hospital coverage then. That'll be dirt cheap, but it won't cover any doctors' office visits.

I'm not sure about the specific EPO you're talking about but this is what you should look for: the smallest amount out of pocket as necessary.

Since you're young and healthy, you might want to think about a plan with a higher deductible - you should be able to find one with a $1500 or so yearly deductible for $250 or less a month. Reason I say this is because - if you don't use it, you're not paying out the wazoo for it. (I have BlueCross Blue Shield direct HMO with a $25 copay and it costs over $400 a month for just me.) What will happen is - if you need to see a doctor, they'll bill your insurance first, and the insurance will tell them how much to charge you, and it will be a LOT less than what they would charge you if you had no insurance. (For example - my office bills $80 for a simple sick visit, and many plans put $44 to the deductible and the rest is a "participating provider discount" that gets written off.)

Good luck. Hope this helps.

Answer 3

You might try this website I have used for research and news:

www.healthinsurance-guide.net