3 ms·

Almost Too Good to Be True: Health Insurance for $149/Month, Zero Deductible

14 points by jkuria 6y ago

nafizh 6y ago
I don't get it. I still need to have a health insurance through which I already have a primary care provider. Why do I need to buy this then?
- tonywastaken 6y ago
  It's attractive for people that don't have insurance through their employer and can't afford insurance that costs more than $149 a month. Some Obamacare insurance plans are as low as $149 a month depending on your income, but they still have high deductibles and out-of-pocket costs.
fred_is_fred 6y ago
This isn't health insurance - this is pay-per-month primary care, something which has been around for some time now. This doesn't cover ER visits or surgery - which is why most of us need the insurance (health or otherwise) - in case of an expensive disaster.
- Spivak 6y ago
  I mean pay-per-month fixed rate basic services + cheaper disaster coverage could end up overall cheaper for a lot of people. I have a medical condition that requires me to see my primary and get my bloodwork pretty often so this might work out in my favor honestly. Edit: Looking at the actual site this seems pretty sketch. I would never sign up for something so uhh.. basic. If I can't see my own doctor or therapist then what's even the point?
dannypovolotski 6y ago
In my country, I pay $35 per month for health insurance, and get much more coverage. Reading about American realities is like reading a horror novel :)
icodestuff 6y ago
Well this is quite an ad for Forward, but Forward isn't insurance, last I checked. They don't pay for the services they refer you to outside their network. And since they don't provide surgery or ER services, they can save most of the costs. It's a PCP subscription, but one that's far more expensive and somewhat higher tech than, say, One Medical (not strictly comparable, as One Medical still charges you or your insurance per visit[1]). Maybe Forward includes labs (One Medical includes the phlebotomist's services, but not cost of the test), in in that case this might be worth it for some people, but in general you'll need catastrophic insurance on top of this. [1] not quite: they don't charge for doctor-requested followup appointments. Now if I could get a $150/month discount on my other insurance for having Forward, then that'd be something appealing. But I won't hold my breath.
innagadadavida 6y ago
Are there any medical plans that only cover accidents and child births? Most young and middle aged people I know are healthy and probably will benefit from such plans.

14 points by jkuria 6y ago

I don't get it. I still need to have a health insurance through which I already have a primary care provider. Why do I need to buy this then?

tonywastaken 6y ago
It's attractive for people that don't have insurance through their employer and can't afford insurance that costs more than $149 a month. Some Obamacare insurance plans are as low as $149 a month depending on your income, but they still have high deductibles and out-of-pocket costs.

fred_is_fred 6y ago

This isn't health insurance - this is pay-per-month primary care, something which has been around for some time now. This doesn't cover ER visits or surgery - which is why most of us need the insurance (health or otherwise) - in case of an expensive disaster.

Spivak 6y ago
I mean pay-per-month fixed rate basic services + cheaper disaster coverage could end up overall cheaper for a lot of people. I have a medical condition that requires me to see my primary and get my bloodwork pretty often so this might work out in my favor honestly. Edit: Looking at the actual site this seems pretty sketch. I would never sign up for something so uhh.. basic. If I can't see my own doctor or therapist then what's even the point?

dannypovolotski 6y ago

In my country, I pay $35 per month for health insurance, and get much more coverage. Reading about American realities is like reading a horror novel :)

icodestuff 6y ago

Well this is quite an ad for Forward, but Forward isn't insurance, last I checked. They don't pay for the services they refer you to outside their network. And since they don't provide surgery or ER services, they can save most of the costs. It's a PCP subscription, but one that's far more expensive and somewhat higher tech than, say, One Medical (not strictly comparable, as One Medical still charges you or your insurance per visit[1]). Maybe Forward includes labs (One Medical includes the phlebotomist's services, but not cost of the test), in in that case this might be worth it for some people, but in general you'll need catastrophic insurance on top of this. [1] not quite: they don't charge for doctor-requested followup appointments. Now if I could get a $150/month discount on my other insurance for having Forward, then that'd be something appealing. But I won't hold my breath.

innagadadavida 6y ago

Are there any medical plans that only cover accidents and child births? Most young and middle aged people I know are healthy and probably will benefit from such plans.