Jump to content
Sign in to follow this  
dollface41601

anyone know a good health insurance company?

13 posts in this topic

Recommended Posts

So Sofyan has been working now for 4 weeks and he has been offered health insurance thru United HealthCare for he and i for 400$ a month....doesnt that sound a little high considering we are both so young? its covers everything....and im just wondering, does anyone know any companies who offers great insurance for cheaper rates?

Thanks

Kelly


Filed DCF in Jordan from 7-05 to 3-06, Approved for I-R1.

Immigration Free until 2008.

Two Hearts, Two Different Places, Sharing One Dream

We were strangers~ Starting out on a journey~Never dreaming What we'd have to go through ~Now here we are ~ And I'm suddenly standing ~ At the beginning with you ~ No one told me I was going to find you ~ Unexpected ~ What you did to my heart ~ When I lost hope You were there to remind me ~ This is the start ~ Life is a road And I want to keep going ~ Love is a river I wanna keep flowing ~ Life is a road Now and forever ~ Wonderful journey ~ I'll be there When the world stops turning~ I'll be there When the storm is through ~ In the end I wanna be standing At the beginning with you~

.png

Share this post


Link to post
Share on other sites

I'm not an expert to comment on this since I've been covered by the miltary health insurance program since I was 18, but that doesn't sound too unreasonable from what I've heard from others. I have a part-time job too and I know one of the guys at work pays around 500 for his family through his insurance company. I'd think that was some sort of a family rate you two would be getting.

Hopefully someone else can chime in and give you some better info.

Share this post


Link to post
Share on other sites
So Sofyan has been working now for 4 weeks and he has been offered health insurance thru United HealthCare for he and i for 400$ a month....doesnt that sound a little high considering we are both so young? its covers everything....and im just wondering, does anyone know any companies who offers great insurance for cheaper rates?

Thanks

Kelly

400 a month beats my company, it's about that for a single person


* ~ * Charles * ~ *
 

I carry a gun because a cop is too heavy.

 

USE THE REPORT BUTTON INSTEAD OF MESSAGING A MODERATOR!

Share this post


Link to post
Share on other sites

You can try Universal Insurance Services--a portal on which you can choose the plan/company which is most suitable.


2005/07/10 I-129F filed for Pras

2005/11/07 I-129F approved, forwarded to NVC--to Chennai Consulate 2005/11/14

2005/12/02 Packet-3 received from Chennai

2005/12/21 Visa Interview Date

2006/04/04 Pras' entry into US at DTW

2006/04/15 Church Wedding at Novi (Detroit suburb), MI

2006/05/01 AOS Packet (I-485/I-131/I-765) filed at Chicago

2006/08/23 AP and EAD approved. Two down, 1.5 to go

2006/10/13 Pras' I-485 interview--APPROVED!

2006/10/27 Pras' conditional GC arrives -- .5 to go (2 yrs to Conditions Removal)

2008/07/21 I-751 (conditions removal) filed

2008/08/22 I-751 biometrics completed

2009/06/18 I-751 approved

2009/07/03 10-year GC received; last 0.5 done!

2009/07/23 Pras files N-400

2009/11/16 My 46TH birthday, Pras N-400 approved

2010/03/18 Pras' swear-in

---------------------------------------------------------------------

As long as the LORD's beside me, I don't care if this road ever ends.

Share this post


Link to post
Share on other sites

Wow, 400 bucks is a lot! We pay $150.00 a month for my husband, myself and my two children. Try the site the PP sent you. Good luck!


AOS

09/04/05- Married

11/01/05- I-130, I-485 and I-765 applications mailed to Chicago lockbox

11/22/05- NOA

12/06/05- RFE on I-864 for medical and petitioners Birth Certificate

02/23/06- Biometrics taken for AOS and EAD

03/17/06- EAD approved

03/20/06- EAD received in mail

03/22/06- Applied for Social Security Number

03/27/06- Received Social Security Card

03/27/06- Received interview date for AOS

04/06/06- Started first job in America

04/29/06- Passed the test at the DMV, now have a state permit to drive

05/03/06- Initial Interview for AOS

05/03/06- AOS approved! I-551 stamped in passport!!

05/12/06- Welcome To America letter

05/15/06- Green Card arrived in mail!!!!!!!!!!!!!!!!!

Lifting Conditions I-751

09/04/07 - Married 2 years

04/30/08 - Sent package

05/03/08 - Green Card expired

05/02/08 - USCIS Received package

05/05/08 - Check cashed

05/08/08 - Received Extension letter

05/17/08 - Received Biometrics appointment letter for May 31, 2008

05/24/08 - Received 2nd letter for Biometrics appointment for June 4, 2008

05/31/08 - Went to biometrics appointment on May 31, 2008, said Paul did not have to go on June 4th, computer glitch.

06/04/08 - Case was "touched"

Share this post


Link to post
Share on other sites

Depends on what your $400 gives you. Are they any deductibles? Co-pays? Any other restrictions? Going solo could be cheaper, but maybe not in the long run. Shop around and get the best deal for your circumstances, not just for price.

We pay $150 a month with no deductibles and $15 co-pay. I know OH's employer pays a huge chunk into the insurance too.


Met the ole man in January 1998

Jan. 2004: K1 visa issued ~ April 2004: Got on a plane ~ Nov. 2004: GC in my mucky hands ~ Dec. 2006: Received 10 YR GC

September 2008 - US passport delivered!

Share this post


Link to post
Share on other sites

The thought of private health scare is getting less and less appealing. :unsure:

#######! I'm turning into a liberal or something!


24vs7qp.jpg

21ch82r.gif

"In our attempt to make everybody happy, we make nobody happy. And we lose elections." - Democratic activist Janice Griffin

Share this post


Link to post
Share on other sites
The thought of private health scare is getting less and less appealing. :unsure:

#######! I'm turning into a liberal or something!

burns incanada at the stake. you heathen! :P


* ~ * Charles * ~ *
 

I carry a gun because a cop is too heavy.

 

USE THE REPORT BUTTON INSTEAD OF MESSAGING A MODERATOR!

Share this post


Link to post
Share on other sites

400 for a couple per month isn't ridiculous here. If you want to shop around a bit there are several medical insurance online setups a lot like Progressive auto insurance. Just type 'individual medical insurance quotes' into the search engine of your choice. Buyer beware, the do-it-yourself insurance companies rarely cover pregnancy or any pre-existing conditions.


-12/15/06 Mailed off I-129F

-12/19/06 NOA1 via email

-01/05/07 NOA2 via email

-01/13/07 NVC notice via snail mail

-01/25/07 Packet 3 arrives.

-02/22/07 Packet 3 is mailed.

-03/02/07 Medical

-03/13/07 Packet 4 arrives.

-03/16-24/07 Honey visits.

-04/02/07 Interview(Approved)

-04/10/07 Visa arrives.

Share this post


Link to post
Share on other sites

The thought of private health scare is getting less and less appealing. :unsure:

#######! I'm turning into a liberal or something!

burns incanada at the stake. you heathen! :P

I deserve it!

Listen, if I ever - EVER - say anything even remotely positive about Billary Clinton, shoot me. I mean it.


24vs7qp.jpg

21ch82r.gif

"In our attempt to make everybody happy, we make nobody happy. And we lose elections." - Democratic activist Janice Griffin

Share this post


Link to post
Share on other sites

That is kinda hight considering it's coming from his employer, I would shop around, I am with united healthcare but I don't have half of what you mentioned as premium, I have a $20 copay for doctor visit and $10 prescription.

I am waiting for OPEN enroll to see my next options, Lot of Doctors are dropping United Health Care sine they merge or was Acuqired by Pacific care, they don't want to pay the doctors in the network, they want to reduce their payment by 30% based on their last contract in 1999, with Inflation you would think the doctor would ask for an increase but it's United health care who want to cut their pay while the UHC CEO received

almost more than $100 million compensation last year!!

How Can a $124.8 Million a Year CEO Make Health Care More Affordable?

An op-ed piece in the Providence Journal about huge pay packages for corporate CEOs mentioned the breath-taking $124.8 million total compensation of United Health Group (parent of United Healthcare) CEO William McGuire. This figure can also be found in the Forbes Special Report on CEO compensation. Here one can find that other managed care CEOs got less fabulous, but still formidable compensation, e.g., Howard Phanstiel, PacifiCare, 3.38 million; Edward Hanway, Cigna, $13.3 million; John Rowe, Aetna, $22.2 million; and Larry Glassrock, Wellpoint, $25.0 million.

McGuire's compensation was so large as to take a measurable part of this large company's net income (5%). Or to look at it from a stock-holder's (and hence, an company owner's) viewpoint, had McGuire, who is an employee, been only paid a cool million, and this money had been distributed as a dividend, it would amount to about a $0.20 per share dividend. (The current dividend is $0.03 per share.) (See company data available from Forbes as well.)

To look at it from a United employee's viewpoint, had McGuire, who is an employee, been only paid a cool million, and this money had been distributed to employees, each of the 40,000 employees could have received a bonus larger than $3000.

To look at it from the viewpoint of the health care system, the $124.8 million total compensation of a single United employee could pay the salaries of 833 general internists at current typical salaries. Or the $124.8 million could run one reasonable size community hospital for a year.

United Health Group's mission statement is "the company directs its resources into designing products, providing services and applying technologies that improve access to health and well-being services; simply the health care experience; promote quality; and make health care more affordable." (See this fact sheet.) Rather, it seems to be directing a good chunk of its resources into salaries of top management employees. How a $124.8 million CEO salary can be reconciled with a mission to "make health care more affordable" is completely beyond me.

posted by Roy M. Poses MD at 3:42 PM

Links to this post

9 Comments:Look, I completely agree that no one single person is worth an eighth of a billion dollars in a year. But don't play fast and loose with the facts. In terms of salary and bonus, Dr. McGuire earned about $10 million in 2004. The rest was made from cashing in on stock options.

So what? Well, because the bulk of that money came from the selling of stock and not out of operating budgets, the result is far less onerous. $114 million wasn't diverted from patient care to pay a "fat cat."

Your arguments still apply -- how can a $10 million a year CEO make health care more affordable? In my opinion, the issue isn't with Bill McGuire or UnitedHealth Group. They are doing quite a bit to improve patient care and drive costs out of the health care system. The issue isn't even CEO compensation. The issue is with a health care system where what's best for the patient takes a back seat to what's best for the doctor, the hospital, the health plan and the employer who could ALL be characterized as fat cats controlling the purse strings.

By Don Seamons, at 3:37 PM

I suppose one could argue that the value of the stock options should have been added to Mr. McGuire's total compensation the year he got them, rather than the year he cashed them in.

But I don't understand how one could argue that the stock options were not part of his total compensation either at the time they were issued, or the time they were cashed in. I am no economist or accountant, but I am sure there are plenty who would argue that stock options clearly entail a cost to the company issuing them. If Mr. McGuire could sell his options for $115 million, then the company could have instead issued $115 million in new stock, kept the proceeds, and used them for some other purpose. By giving Mr. McGuire these options, the company gave up the opportunity to do so.

It is of course true that there are lots of other people and organizations who make money from health care. Some, unlike Mr McGuire, actually take care of patients. But very few, outside of CEOs of large health care organizations, make $1 million a year, much less $10 million. Some cats are clearly "fatter" than others.

And again, it is hard to reconcile the company's stated mission to "make health care more affordable" with the amount it pays its CEO.

By Roy M. Poses MD, at 5:35 PM

I suppose that the use of all the smoke and mirrors used to delay or deny the payment of claims made by the patient's is not to increase the bottom line of the company and therefore stock value. People are terrified of having to deal with their faceless claims adjustor.

Why is it that the claims agent can override diagnosis and treatment recommendations by licensed health care professionals?

Dr. McGuire is not the only CEO to receive obscene amounts of money for running an insurance company. Check Tenet Health Care. Parade Magazine 3/3/03. This is not a one year windfall. Check for the compensation amounts over the last decade.

The money in health care is not going to buy care for the patients of this country. Many MDs are trapped, but many are also checking out. It is a corrupt system in my opinion. It is a conflict of interest for publically traded companies to be involved in health care insurance and have all the power that they have.

By RRedfern, at 11:16 PM

Doctors are no longer allowed to practiced meicine in your best interest. Its the attorneys and the overpaid healthcare companies that run medicine.

By Anonymous, at 2:30 PM

McGuire's compensation is beyond obscene; it's rape and pillage of a variety that would make a Viking's eyes water. He alone is compensated approx 5% of the profit of an entire multi-billion dollar company. The majority is profit from stock options but as we all know from recent regulatory moves, options definitely cost the company money. Every day Dr. McGuire walks out of his office, he racks up approx half-million dollars, assuming a 5 day workweek; hope the poor fellow gets weekends off. His compensation is literally off the charts in comparison to his competitors at Aetna and Wellpoint/Anthem. Which brings us to the juicy question of why the board allows such egregious compensation. Well just look at how much the board of directors have been cashing in on their stock options (http://finance.yahoo.com/q/it?s=UNH).If I have my hand in the honey jar, why slam the lid on Dr. McGuire's greedy little fingers. Remember Donna Shalala, yes former HHS secretary under Clinton who helped almost bring your the Hilary HealthCare Plan. She must have become disillusioned with socialized medicine since she is now one of many mult-millionaire directors on Dr. McGuire's cozy board. I 'll scratch your back if.... Amazing what a few million will do to re-orient the socialist mindset in a capitalist direction. Thinks its time the boys doing the Enron investigation took a deep look into the cozy boardroom of Dr. McGuire's little cabal.

By Lars, at 11:40 PM

You argue that "If Mr.(sic) McGuire could sell his options for $115 million, then the company could have instead issued $115 million in new stock, kept the proceeds, and used them for some other purpose."

However, without an effective CEO United Healthcare could have very easily had low to no earnings, or even worse, went the way of Enron....

By AZCOM, at 12:46 AM

In order for McGuire to make this incredible amount --they have reduced the insurance of their OWN employees! Their own employees have the worst--cheapest--poorest coverage in the INDUSTRY. They allow you to go for your well person exam--but then you have to pay up to $4000 out of pocket before they kick in! Yearly! Plus the amount weekly you pay!!! THeir employees have the equivilant of NO healthcare. Who on an average salary has that much cash to pay for medical bills every year??? What type of cost of living did their employees get last year--0-2%!!!! Didn't even pay the cost of gas!!Their wages for the average employee is the lowest in the industry. Why do your claims get messed up?? Because they cannot recruit/keep good people. In an era where the top fortune 200 companies are going to UNITEDHEALTH and asking them to put together a good healthcare policy for them so they can use it to attract and retain their employees--UNITED HEALTH does the opposite. In a recent corp mtg the executives plainly said--if you don't like it ..go somewhere else..and UNITED HEALTH employees are..in droves..who is left to manage the healthcare system and claims?? What about the ongoing cost of hiring/retraining due that is passed on in soaring healthcare costS?????

By Anonymous, at 8:27 PM

I WAS AN EMPLOYEE OF PACIFICARE, NOW A UNITED EMPLOYEE THANKS TO THE SELLOUT. UNITED IS INDEED ONE OF THE CHEAPEST COMPANIES ON EARTH! WHEN I WORKED AT PACIFICARE, WE WERE ENTITLED TO BE PAID FOR UNUSED VACATION TIME WHEN WE LEFT THE COMPANY. WITH UNITED, IT IS CONSIDERED A "GRANT", NOT EARNED COMPENSATION. NOW WHEN WE LEAVE, WE MUST GIVE UP MONEY THAT COULD HAVE ADDED UP TO A FEW THOUSAND, NOT TO MENTION SOME OF THE OTHER BENEFITS THAT WE ENJOYED AS PACIFICARE EMPLOYEES. READING THIS ARTICLE STRENGTHENS MY RESOLVE TO GET OUT OF THIS MONEY GRUBBING COMPANY THAT COULD CARE LESS ABOUT QUALITY OF LIFE FOR ITS EMPLOYEES.

By alamostar, at 7:15 AM

While I can't be mad at someone else who is a CEO not an RN; I can be extremely frustrated at what the top-of-the-ladder MDs at UnitedHealthCare make based on how employees are treated. Each day I am to make a difference in a client's life. I am to make sure they are doing everything for their diagnosis, maintaining health, taking their medications, etc. Yes, it is true. United HealthCare is the first company I have worked for that does NOT take care of it's own. What I do for my patients I cannot do for myself. I cannot afford my medications, so I don't take them, or I skip days to make the RX last. I don't see my Internist to check on my blood pressure. I dont' get my lab work done to be sure the medications I do take aren't damaging my liver. I pay 2x a month for my healthcare insurance. UnitedHealthCare gives me $400 to spend on health care...that equals one chemistry lab panel, and one 15min md visit. Then I must pay several thousand to meet my out of pocket max for the year, before any insurance kicks in. In the old days, Met Life and then Metra Health did well by taking care of it's nurses...showing us healthcare mattered for it's employees, not just the clients. After purchased by UnitedHealthCare things have been downhill for the staff here. I see Kaiser nurses getting paid $30-$40 an hour...so everyone thinks that because I am a nurse I am so rich. I barely make rent, utilities, and upkeep on my old car. How many jets, lexus, and other things does one CEO really need ? Only saving thought I have is that I know where I am going when I die , and it won't be the same place where the CEOs go who put money and worldly goods first. ---oh and we employees do bring up the issues of what we need, changes we desire. Last year we talked about inability to afford our medication to a head MD who told us straight out "If you don't like it you can go somewhere else to work". That was sure supportive and caring ! The nurses and nonmedical staff are the workforce that powers the beast that pays for these CEO and head MDs salaries. It sickens us all.

By RN at UnitedHealthCare, at 1:30 PM

Post a Comment

<< Home

Links to this post:

United Healthcare is a criminal organization.

My wife and I have been trying to get a small claim paid to no avail for months, a claim they used to pay without incident in the past. The fact is, my wife got the codes they needed to correct the problem - SHE DID THEIR JOB FOR THEM; ...

posted by Mohawke @ 12:36 PM

US Health Insurance: More Market Domination, More CEO Compensation

Among US health insurers, the rich just get richer... A new report from the American Medical Association documented the increasing consolidation of the US health insurance market, if that is what it should be called. ...

posted by Roy M. Poses MD @ 5:32 PM

Create a Link

--------------------------------------------------------------------------------

Edited by Nikita2Charles

Gone but not Forgotten!

Share this post


Link to post
Share on other sites
 

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
Sign in to follow this  
- Back to Top -


Important Disclaimer: Please read carefully the Visajourney.com Terms of Service. If you do not agree to the Terms of Service you should not access or view any page (including this page) on VisaJourney.com. Answers and comments provided on Visajourney.com Forums are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. Visajourney.com does not endorse, and expressly disclaims liability for any product, manufacturer, distributor, service or service provider mentioned or any opinion expressed in answers or comments. VisaJourney.com does not condone immigration fraud in any way, shape or manner. VisaJourney.com recommends that if any member or user knows directly of someone involved in fraudulent or illegal activity, that they report such activity directly to the Department of Homeland Security, Immigration and Customs Enforcement. You can contact ICE via email at Immigration.Reply@dhs.gov or you can telephone ICE at 1-866-347-2423. All reported threads/posts containing reference to immigration fraud or illegal activities will be removed from this board. If you feel that you have found inappropriate content, please let us know by contacting us here with a url link to that content. Thank you.
×
×
  • Create New...