Registry nurses where do u get ur health insurance

GM2RN · Jul 5, 2010

Im thinking about going registry but will not have insurance anymore. I love the fact that its more flexible. Any one out there get private health insurance if so is it way too expensive?

What is registry?

gonzo1, ASN, RN · Jul 5, 2010

I wouldn't do it now. If you have a regular job keep it. I am an experienced ER nurse and can't get 20 hours a week. Looking for staff job, but not having much luck. I don't have any insurance but a lot of people get it from an independent insurance agent. If you look up on esurance you can get quotes.

fungez · Jul 5, 2010

I have my own insurance. It's about $260/month for me and my daughter. It's got a 5K deductible, but after that it covers 100%. It doesn't cover pregnancy.

There's a lot of pros to having your own policy. You will always have it, as long as you pay your deductibles. It's not tied to your job. Yes, the deduc. is high, but chances are you won't meet it.

How expensive your policy is going to be is depedent on your 1)preexisting health 2)age and 3)state you live in. States that mandate insurance coverage for certain procedures (like IVF, for example) are much more expensive. I suggest you find a health insurance agent who can advise you.

netglow, ASN, RN · Jul 5, 2010

I've bought my own policy off and on... was self employed for many years. I've handled claims for patients as well. Used to be very inexpensive years ago, now things are different. You should have no problem with being accepted if you have no prior health concerns. They will audit your medical records, just so you know up front. So, do be honest when you fill out applications. Being denied health insurance is very common!!!! Often the denial will be for something you think is insignificant, but, they determine what they think elevates you to being a risk for them so it's their ball game. Also, unless temporary insurance, you will need anywhere from usually 2 wks to 3 months or so for the investigation process. You do not just go "pick-up" insurance.

If you've never done this before, I would download a major carrier's application or two and see what you are up against. Many times you will see the questions for their health audit. If you have an hx in any of those areas, they will request complete info from you and these areas are often where their denials come from. Know that if you do get tx for something that involves what they deem costly, and/or strong possibility of recurrence, chronic tx, they will fully investigate your provider's records and do commonly deny coverage.

I have extensive experience with this stuff. Ask around your friends/family of their experiences. I know several people who were denied without basis. I know two who went through surgery and had their claims fully denied.