I feel like I’m in a casino, except that there’s nothing to win and so much to lose; I’m just gambling on how much I want to lose. Such fun.
I get to spend a few years in the lovely state of IL. My current insurance, while free, only covers emergencies if I’m out of town, which I will be. That’s just fine and dandy if I get run over by a tracter or if some irate farmer pitchforks me, but if I get a strep infection, they’ll only start paying after I end up in the hospital because it killed my kidneys or something. I decided that I’m going to get an individual health plan. Easy, right?
It turns out that I won’t be shelling out much cash for one of these. I’m in my mid-20s and rather healthy. Us yonguns get a good deal (translation: we won’t hardly ever need to actually make use of the plan, therefore we are most likely just flushing our premiums.) Now I just need to pick a plan…
I am paralyzed by choice. How the heck do people choose an insurance plan and walk away feeling like they made the best choice possible? There are so many variables. Even just keeping things simple, there’s the deductible, max payment after deductible, drug benefits (yes, no, and how much if yes), office visit prices, etc. I am baffled. The only thing I’m sure about is that I don’t need maternity coverage! Are there any general guidelines for these things? Do any of you have Sage Advice? Any thoughts, bits of wisdom, or recountings of past experiences would be much appreciated.
(I have trouble believing that this hasn’t been asked before, but searching for “insurance” didn’t lead me to anything.)