Auto and Car Insurance

Cheap basic health insurance for 21 year old?

I am currently with National Health paying $408 a month for I don't know what. I've been on this insurance by my parents since before I was 18 and I just can't afford it, plus it doesn't cover me for things I need most! I have tried filling out applications but since I was not responsible for my medical records before, I have no access to dates, doctors names prescriptions names, etc. to fill out the forms. I am looking for coverage that would include generic prescriptions & annual exams. Since I don't have access of my previous medical history, I'm looking to see if there is anyone that can help me with insurance WITHOUT that information from me. I'm not sure if this is true but I've heard that some people can just pull your medical records and and see what you qualify for, so if you or anyone knows anything about this I would really appreciate your input.

Public Comments

1. Because of HIPPA laws nobody can just "pull" your medical records. The insurance company that you apply to can but only after you apply. Your application gives them permission to get the records. However, they need to know the doctor's name and approximate dates or they can't get the info. Contact a local independent agent for help. This person knows the market in your area and can work with you and the insurance company to get you a policy. You should be able to get on a plan for $100 - $200 per month. However, should you need maternity $400 per month is not unheard of.
2. Honey I wish I could help you, but health insurance in the USA is terrible. Even the people with insurance can't afford to go to the doctor because of the out of pocket cost. I guess the words cheap and insurance can't be used in the same sentence.
3. Well, you're 21, so you SHOULD have access to your medical history. NO ONE is going to give you a quote without it. NO ONE can "pull" your medical records for you. My guess is, you've got pre-exisiting conditions, which is why you're paying what you're paying. Unless you want to switch to a plan with a hefty deductible - like thousands of dollars before the insurance kicks in - you're not likely to get a better rate. HOWEVER. Go to the target and walmart websites, and print out their list of $4 generic drugs, there are hundreds and hundreds of them. Then you bring the list to your doctor, and ask the doc to find stuff on the list that will work for you. Then you're only paying $4 per month, per prescription. Cheaper than the copay on a prescription card.
4. If you want cheap basic health insurance you might as well be signing up for a discount plan. Cheap is never good - do you want a cheap car? Or cheap furniture? Or cheap shoes? - you get what you pay for! The excuse of not having access to your medical history is inexcuseable. You dont remember when you went to the doctor? You dont remember who your doctor was? You dont remember taking any medications? Come on - call your previous physicians and request your medical records, they will mail you the requst form - you complete it and send it back and POOF with in a couple weeks you have your medical records! Also, if you live in a state that has Anthem Blue Cross - the Tonik plans work very well for your age group.
5. If you are healthy, paying $408 a month for health insurance is ridiculous! There is a new company called Precedent that is getting ready to launch in Texas and will offer low cost individual health plans for young, reasonably healthy people. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. You will need to know some details about your recent health history in order to apply for this coverage. Find details at http://www.precedent.com - even if you’re not in Texas, they’ll be offering plans in additional states soon. Good luck!