Health Insurance Shopping

Today I spent the day researching and finishing up assignments from Sora. Sora wanted us to analyze 2 articles of related to health insurance for Pacific Islanders. We were to come up with at least two questions related to the articles. Also Sora wanted me to go Health Insurance shopping since I currently do not have health insurance. We also had to finish the goals and M of U paper work for the internship.
I continued research on health care for the Pacific Islander community. I was still working on finding more articles specifically for Pacific Islander research, but I was coming up short. I spent pretty much the whole night researching the different health coverage that I THNK I can afford while being a full time student.

Monthly costs for: primary applicant

Update family members

Monthly Costs Vital ShieldSM 2900β

Medical Change plans $52.00

Dental (PPO) Change plan $36.10

Life† ($90,000) Change plan $13.15

Total Monthly Cost
Rates shown are for people in good health. Other rates may apply. $101.25


Summary of Benefits Vital ShieldSM 2900β
See details (PDF)

Medical Benefits
Plan Type PPO

Annual Deductible $2,900 per individual

Annual Out-of-Pocket Maximum (includes annual deductible)
$5,900 per individualƒ

Out-of Pocket Maximum for HSA Plans (includes annual deductible)
N/A

Preventive Care
Annual Physical Exam,
Well-Baby Care, Gynecological
Exam $40 (Not subject to deductible)**

Laboratory, X-Ray
100% until out-of-pocket maximum

Professional Services
Physician Office Visits $40 (First 2 visits per calendar year are not subject to deductible)**

Hospital Inpatient
(Non-Emergency) 40%

Maternity Services
(Resulting in Delivery) Not covered

Outpatient Services (Non-Emergency)
Surgery 40%

Treatment/Procedure 40%

Emergency Room Services
Emergency Room Visits $100 per visitπ + 40%

Ambulance 40%

ER Physician Visits/Consultations 40%

Formulary Prescription Benefits
$10 generic (Not subject to deductible) Brand name drugs not covered.

Dental Services
Dental Services N/A

Vision Services N/A

* Deductible 50/5000 NM
DED
The Deductible 50/5000 NM plan features a $5,000 deductible, low premiums, and a $50 copay for preventive care (not subject to deductible) and offices visits (subject to deductible). No maternity or prescription coverage. $70.00


Deductible 50/5000 NM

Benefits Summary
Annual Medical Deductible - Individual $5,000
Annual Medical Deductible - Family n/a
Annual Out-of-Pocket Maximum - Individual $7,500
Annual Out-of-Pocket Maximum - Family n/a
Professional Services
Primary and specialty care visits (includes routine and urgent care appointments) $50 per visit after deductible
Well-child visits from 0 to 23 months $30 per visit
Family planning visits $50 per visit
Eye exams $50 per visit
Hearing tests $50 per visit
Outpatient Services
Outpatient surgery 30% coinsurance after deductible
Most X-rays and lab tests $10 per encounter after deductible
Maternity Coverage
Maternity Coverage Not covered
Hospitalization Services
Room and board, surgery, anesthesia, X-rays, lab tests, and medications 30% coinsurance after deductible
Emergency Services
Emergency room visits $150 per visit after deductible (waived if admitted directly to the hospital)
Ambulance services $150 per trip after deductible
Prescription Drug Coverage
Generic drugs Not covered
Brand-name drugs Not covered
Mail-order program Not covered

View Plan Details
(PDF)