I'm an 18 yr. old girl and I need to know how to get Health Insurance in New Jersey. I don't qualified for Medicaid and I don't know how to go about getting Health or Dental Insurance.
2007-04-10 08:14:37 · 9 answers · asked by ? 3 in Business & Finance ➔ Insurance
I currently don't work but my boyfriend will be paying for it. I don't deal with my parents so I can't ask whomever sells it to them. Also I'm currently not attending college so I can't get it that way.
2007-04-10 14:48:41 · update #1
I work for a company that offers medical and dental health plans. Our plans are different from insurance because we are a discount plan and therefore there is no deductible, no co-pay and no preexisting conditions. Also we offer either individual or household plans and our household plans cover everyone that is under one roof even if they are not related (so you and your boyfriend could both be covered under the same plan). The medical plan includes the dental, vision, prescription and chiropractic care plan. If you would like more information on the plans you can visit the following site: http:www.mybenefitsplus.com/mlein
2007-04-12 17:11:02 · answer #1 · answered by Michelle L 2 · 0⤊ 0⤋
You can go online to many companies these days like http://www.ehealthinsurance.com/
I did it for my youngest brother. He pays about $40 a month out of pocket for his Anthem PPO. But it's different for everyone. He did this while transitioning between school & a new job. I did the same for my mother, who's not ready to retire but no longer has full time employement. So until she does, this was a good way to go. Because you are young I don't think it would be that expensive & health insurance (at least as far as I know) on a non-cafeteria plan ie post tax dollars, are tax deductable if you itemize. Dental is harder to do "personally" more expensive & there are waiting periods before some benefits kick in, 3-6 months. Hope this helps.
2007-04-10 08:23:12 · answer #2 · answered by Smith 2 · 0⤊ 0⤋
After you turn 18 your parents are not legally required to provide health insurance. Under the new law, you can get on your parents health plans until you are 26 and you dont have to be a student. You wont be able to afford private insurance on what you earn. Even if you found insurance for low monthly rate, your deductible would be so high you wouldnt meet it. If you have no real health problems, you can just go to any clinic when you need a doctor and pay cash. You can get $4 prescriptions at Walgreen.
2016-05-17 05:08:12 · answer #3 · answered by ? 3 · 0⤊ 0⤋
If you are a full time student or part-time, you can pay a nominal fee to the school you attend (student health clinic fee). At the very least, you have access to the student health clinic and pay a small portion for an office visit. You can also still be under your parents plan as a full time student.
Many insurance companies have low cost coverage.
Many hospitals have low cost/free clinic (sliding scale based on income).
Dental schools offer some programs for the uninsured.
If you need surgery, go to the nearest county hospital and ask to speak to a financial advisor and they will help you find (no guarantee) a program you may qualify for or offer a sliding scale fee for services. All hospital offer a discount for uninsured patients.
2007-04-10 09:50:45 · answer #4 · answered by Iwant2know 2 · 0⤊ 0⤋
Most of the companies will not sell you a permanent policy if you are unemployeed, no matter who pays for it. This is because they see you getting a job with insurance benefits soon.
You can get a short term policy that is renewable up to two years. These policies will not cover you for basic office visits or prescriptions but will cover you if something major happens. Contact a local independent agent to find out about them.
Depending upon where you live a $1000 deductible will run you $25 to $60.
2007-04-10 17:26:51 · answer #5 · answered by Zarnev 7 · 0⤊ 0⤋
You get a job with an employer who offers health/dental insurance - that is how most people get it.
If your a college student, the school will have a plan you can buy.
Last alternative would be to go to a company like Blue Cross and buy it. It will be very expensive most likely - like several $100/month.
2007-04-10 08:24:23 · answer #6 · answered by Fester Frump 7 · 0⤊ 1⤋
If you do not want maternity coverage, I can get you a good plan with a $500 ded, office co-pay and RX benefits for $75 a month if you don't use tobacco. Rates will vary on where you live. Contact an independent agent in your area and ask for some quotes. Do not buy on the internet - use a local person that will fight for you if you need help.
2007-04-10 11:57:13 · answer #7 · answered by nurse ratchet 6 · 0⤊ 0⤋
Health insurance will run you about $200-$250 a month. You can contact a local agent for quotes. Start with the guy that sells your parents their insurance, or sells you your car insurance.
Private dental policies are usually not worth it - you pay out more than they do, taking in deductibles and copays.
2007-04-10 09:35:37 · answer #8 · answered by Anonymous 7 · 0⤊ 1⤋
if you plan on being a college student you can stay on your parents health insurance until you are 25 (24 or 25)
2007-04-10 08:26:27 · answer #9 · answered by swenjj 4 · 0⤊ 0⤋
try this. http://www.tkqlhce.com/click-1748196-10307963
2007-04-10 16:22:26 · answer #10 · answered by passport2 2 · 0⤊ 0⤋