Individual Medical Insurance

I need to find insurance for a young adult who had medical problems, but did not cover in his current job. Blue Cross wants $ 18,000 a year. There must be something there that is intended to cover individuals that nobody can afford: I know it will not be cheap, but there should be something doable.

It depends what state you are and what this condition "young adult" perhaps. Some states like Maryland and Washington have passed laws against charging more for "pre-existing conditions." Also, check with nonprofit organizations that may have a better overview of your area on the plans may "respond" to this condition. I also recommend a great book that breaks down these programs and offers simple tips on saving money in health and how to choose the correct insurance for yourself called "Healthcare for Less", Michelle Katz. I bought my book at Barnes and Noble, for I have heard that it is even cheaper thanks to its www.healthcareforless.us site (I think it's a direct link to his book on Amazon.com ). I hope that helps!

If that person needs only a temporary insurance until he / she has coverage at their place of work, term insurance is much more affordable, as opposed to private insurance. It is scrictly temporary and I think the maximum time you can be sure that it is 6 months to a year, the company said. I was on Fortis I graduated college ... cost about $ 60/mo. 6 years ago. Worth every penny that I was hospitalized during this period.

If she is looking for a "catastrophic" policy, these policies do not cover about hospitalization and with a great deductiable. For example, about $ 350/mo for a catastrophic policy covers hospitalization with a franchise around $ 3,000 - $ 5,000 ... physicians and outpatient procedures are generally not covered. However, there is no time limit on these policies.

Hopefully, this individual needs only a temporary cover.

There are other companies out there, Fortis, Humana, United Healthcare, Unicare

Find a brokerage that deals with many insurance companies so you can compare different companies in one place.

I had to get insurance and I found the best way to get discount is seeking quotes on the internet. I went here for myself ... http://www.ucomparehealthcare.com/insura Good luck with your search. Hope this helps.

OK least 18,000 per year you are talking about 1,500 per month and I find that a little hard to believe. Any individual health coverage is very expensive, add to that a medical condition and is even worse. Affordable is not even a word to be associated with health insurance. You need to talk to a good agent who has access to multiple suppliers to see what they can do together for you. You'll probably need to go very high on the franchise could be as bad as no insurance. The other option is for that person to obtain employment that offers a plan.

You can search online, many companies e-mail or call fairly quickly. I just do it myself recently. I talked to many companies, can not remember one in paticular, but everyone I spoke to was very helpful