Will be exiting Active Duty service at the beginning of June, and I am trying to figure out health insurance for myself and family. I have gotten a couple insurance quotes from insurance agents, but it is overwhelming trying to decipher the differences in policy. We will be in Tennessee, zip code is 37654. Income will be around 180k jointly.
Myself (M31) and wife (F29) just had our first child in January (F). We plan to have a couple more children in the future. Both of us are healthy and active with no significant medical history on either side of our families. We haven’t had any surgeries or medical issues up to this point of our lives. I do wear contacts and glasses. We do not need dental coverage.
We are just trying to find the most affordable private health insurance as neither of our jobs will offer health benefits. The details of one the plans we received from an insurance agent are below.
United Healthcare Nationwide PPO
Guaranteed renewable until age 65, you cannot get kicked off and they don’t increase premiums based on claims $5K Deductible + $2K Max out of pocket catastrophic for Disease/sickness $250 max cost for any bodily injury accidents (broken limbs etc.) Coverage towards 5 doctor visits, 5 Chiropractor, 1 urgent care Wellness coverage Telemedicine 24/7 calls to physicians $1000/year towards prescriptions Critical Illness AD&D Vision for you and your daughter Physical Therapy 25 sessions each in-patient or out-patient and more $827/month
submitted by /u/Ajohn221
[link] [comments]Will be exiting Active Duty service at the beginning of June, and I am trying to figure out health insurance for myself and family. I have gotten a couple insurance quotes from insurance agents, but it is overwhelming trying to decipher the differences in policy. We will be in Tennessee, zip code is 37654. Income will be around 180k jointly. Myself (M31) and wife (F29) just had our first child in January (F). We plan to have a couple more children in the future. Both of us are healthy and active with no significant medical history on either side of our families. We haven’t had any surgeries or medical issues up to this point of our lives. I do wear contacts and glasses. We do not need dental coverage. We are just trying to find the most affordable private health insurance as neither of our jobs will offer health benefits. The details of one the plans we received from an insurance agent are below. United Healthcare Nationwide PPO Guaranteed renewable until age 65, you cannot get kicked off and they don’t increase premiums based on claims $5K Deductible + $2K Max out of pocket catastrophic for Disease/sickness $250 max cost for any bodily injury accidents (broken limbs etc.) Coverage towards 5 doctor visits, 5 Chiropractor, 1 urgent care Wellness coverage Telemedicine 24/7 calls to physicians $1000/year towards prescriptions Critical Illness AD&D Vision for you and your daughter Physical Therapy 25 sessions each in-patient or out-patient and more $827/month submitted by /u/Ajohn221 [link] [comments]Read Morer/HealthInsurance