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Dan C | Just married and I need insurance for me and my wife? |
I just got married. Im 19 she is 18 and we need health insurance because she is prone to getting UTIs.
I have no idea what to do for heath insurance. I make about $1300 a month. I dont want to pay alot but i want to be able to see doctors and get perscriptions.
Help
Additional Details
i know about cranberry juice
and those of you saying get a new job can go shove one. health benifits dont start for 90 days in any new job and they deduct it from your pay anyway. |
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Dan
|
you didn't say where you live, but in virtually every part of the country, there are "sliding scale" clinics that offer good basic, routine medical care based on your ability to pay. There should be some kind of public health service that could help as well. Do you currently have ANY health insurance coverage? It IS true that changing jobs would cause you to be without coverage for 90 days or longer. But, if you DID land a higher paying job where health insurance coverage was available, you could maybe set aside a small amount of money for what is called a Health Savings Account, pre tax money that allows you to plan ahead for medical situations just like the one you described. Do a google search on HSAs. These are marketed by various companies, and I don't think you need all that much to set one up.
As far as the immediate problem, there are sources for discount pharmaceuticals. Here in Florida, and elsewhere, Walmart is offering discount prescriptions for many major medications. Also, our local doctors have reps leave samples which they give to patients who can't afford to pay for them. I married at 19, and I REALLY know what you're dealing with. But, I'm now 55, still going strong, and if you will just sit down and calmly analyze the situation, and not do anything impulsive, this IS a situation that you'll be able to work through. I am also a 19 year minister, and will be glad to talk. Medical issues can be a SEVERE strain on a marriage, so please don't just let it fester. Calmly, but decisively, start saving what you can and setting it aside, while you also find ways to reduce your medical expenses. Increasing income while you decrease expenses..........this is just good ole basic economics.....Good Luck! |
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rivasj27
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Find another job that comes with insurance..
Costco
Sams Club
Walmart
Target
Until then..Blue Cross or even the Free Clinic can help you |
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Khan A
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try looking for another job together with this and u can atleast see the doctor for this |
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src50
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You may not want to hear this, but individual health insurance is very expensive, even at your ages. You both should look for jobs that offer group health insurance coverage. That is the long-term solution. |
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Professor Wonderful
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Buy lots of cranberry juice for her.
This cuts down on the incidence and severity of UTIs.
If she is in a high-stress environment, expect more such infections.
Regarding the insurance, open your phone book and look under Insurance for a listing of any CLUs in your area. These Chartered Life Underwriters know how to guide you.
[Tip: Call the person with a last name that is the same as yours, or the next one down in alphabetical order. This prevents agent Adams from receiving all the calls that could be spread around to agents like Williams and Yoblanski.]
[Second tip: For your future together, save the old phone books in your garage. When you need something critical, where you cannot make an error - such as with the construction of a swimming pool - open the oldest phone book. If the company is out of business, you know the value of their guarantee.] |
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mbrcatz
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It doesn't work that way. For a low cost, low deductible plan, you're going to pay about $400 a month for both of you. If you want to pay less, you'll be paying a really high deductible.
Usually the cheapest way to get health insurance is through your employer, because they pick up a chunk of the tab. |
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Jon323
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You could move to Canada or get emergency insurance with a super high deductible, in case you become seriously ill or need surgery. Tell your wife to drink alka seltzer when she feels like she is getting an infection, also drink lots of cranberry juice this has helped my wife. |
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