Insurances

Health insurance is a very important part of life. Most people are fortunate to have health insurance through their jobs, but not everyone. When your company provides health insurance, you become part of a group. Sometimes your company pays for part of your health insurance and you pay the remainder. Sometimes you pay the entire thing, but you get a discount for being part of the group. Health insurance cost are usually deducted from your paycheck so you don't always notice what you are paying. An entire family can be covered under one plan.  If you lose your job, it is important to pick up your own health insurance. Sometimes this is through something called COBRA, where you can remain in your company's group but you have to pay the cost yourself. Otherwise, you have to find your own insurance. For the sake of this project, everyone will be finding their own insurance. Your insurance must cover your entire family!  Go to the following website to begin researching insurance options: [|eHealthInsurance.com]  Start by entering the zip code from where you live. Look up the zip code here if you have to. [|Zip Code Lookup] Next, fill in the information about ALL members of your family. You will have to make up birthdays for yourself and your family. Keep in mind that a person that is 25 today was born in 1984. A person that is 30 was born in 1979. Make sure that you put in birthdays that would make you and your spouse at least 25. At the same time, a 5 year old was born in 2004. This part of the page also asks about tobacco use in the last 12 months. You may chose yes or no for this. It is up to you! No one is a full-time college student and you want your coverage to begin on 6/1/2009.  When you get your search results, find the one that is least expensive. Take a screen shot of the plan (including the price) and click on "Plan Details" to get more information about. Create a chart in Word or Excel with the following information and take a screen shot of it for your page on this wiki -  Plan Type  Office Visit for Primary Doctor  Office Visit for Specialist  Coinsurance  Annual Deductible  Prescription Drugs  Annual Out-of-Pocket Limit  Lifetime Max  Well Baby Care  Outpatient Lab/X-Ray  Hospitalization <span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;"> Outpatient Surgery <span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;"> Emergency Room

<span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;"> Example: <span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;"> Screen shot from online <span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;">

<span style="color: #ff00ff; display: block; font-family: 'Comic Sans MS',cursive; font-size: 130%; text-align: center;"> Chart