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Does the State of Iowa have good health insurance for employees?
Sep 26, 2008 by Mindididdle | Posted in Insurance
I am considering a job for the state of Iowa. They offer 4 plans. 2 of the plans are HMO plans with no monthly premium and I believe a $1500 out of pocket max. The PPO plan is $300/mo. Is anyone knowledgeable in a personal sense in terms of whether the state of Iowa has good insurance? Thanks in advance!
There are many things that should be considered here. Do you have a need for a lot of medical care? Is there a doctor that you already see? Is he/she in the network for the HMO-PPO? Are there services that you would need or like to use on one plan that are not available on the other (say chiropractic)? What are the limitations for seeing a specialist in each plan. HMO's usually require you get a referral from your primary care doctor to see a specialist. Many PPO's do not require any authorization.
If you use the doctor a lot and the doctor you see (or would like to see)is in the HMO network and you are happy with the types of benefits they offer, the HMO is propbably the way to go. You will have less choices of the doctors you will be able to see, but your out of pocket expenses will be less considering there is no premium payment required from you.
If you would like more freedom in choosing your doctor and not having to go through the referral process, then you pay for that through having to pay the premium and extra out of pocket expenses, like yearly deductibles and co-insurances (the 20% that is your responsibility.)
In short, you have to weigh how much you use the doctor and for what services against what it will cost you (both in premiums and out of pocket expenses.)
Lori S | Sep 26, 2008
Health Insurance In Iowa?
Mar 04, 2007 by greydrakkon | Posted in Insurance
I live in Iowa and am the only employee for a small business, so insurance is ridiculous. Right now I'm using American Republic Health Insurance, and every few months they raise the fees even when I haven't gotten ill! I'm really sick of this, is there any decent health coverage in Iowa for small businesses?
You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health
Take care,
Casey
CaseyAngelEyes | Mar 07, 2007
I'm very poor...i live in iowa...and have no health insurance....and need major surgery? Do i have any options
Mar 10, 2006 by Mike | Posted in First Aid
to ashley below...I have a 200 dallor computer and i pay 20 bucks a month for internet...I'm sorry if i can't afford a 10,000 dallor surgery
Chech with the county Health Srvices department to find out if your income would make you eligible for Medicaid. Good luck.
ivonkcme2 | Mar 10, 2006
Loss of your job doesn't equal a lack of health care options - DesMoinesRegister.com
07.01.09
If you find that the stress is contributing to sleeplessness or insufficient rest, consider speaking to a counselor or pastoral representative.
Planning ahead
If there is real risk of being laid off, schedule routine health-maintenance exams immediately. It may not be as easy to get these things covered in future insurance plans. Schedule a checkup with your regular doctor for height/weight measurement, cholesterol and hypertension check. Ask what immunizations you should have. If your doctor thinks it's necessary, have a bone density test to check for osteoporosis. Have an eye exam with glaucoma check. Men should schedule prostate and colorectal cancer screenings if older than 50. For women, have your Pap smear and mammogram done. Also, speak to your health care provider about using generic prescription drugs whenever possible.
Loss of employer- provided benefits
If you lose your job, be sure to receive any accumulated
Source: DesMoinesRegister.com, IA
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