What health insurance is the best if you are permanently disabled?

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LizziB

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09/29/2023 at 10:55 PM

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LizziB

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Hello everyone,

How are you doing today?

It's tough to evaluate and select health insurance, especially when you live with a chronic condition. Let us help one another.

Share your experiences with health insurance! What companies have you had a plan with? What type of marketplace plan was it (PPO, HMO, etc.)? What about deductibles and copays? What have you learned about Health Insurance that you can share with our members?

Take care,

Lizzi from the Carenity team

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gommer1

10/06/2023 at 12:56 AM

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gommer1

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have a bad leg as well as bad lungs and dr. want to wait till the arteries in my leg close shut so he can Amputate it I understand it is a lot more money for Dr and hospital than surgery to open artery and save my leg

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2023-10-06 00:56:47

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mikejason

Edited on 11/28/2023 at 11:14 AM

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mikejason

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It's great that you're planning ahead for your bungee jumping trip. When it comes to health insurance for extreme activities, I'd recommend looking into comprehensive travel insurance plans that specifically cover adventure sports and potential long-term consequences travel insurance for golf. Check out providers like travel insurance for golf. They often include coverage for medical emergencies, evacuation, and disability resulting from adventurous activities. Don't forget to carefully review the policy details, including coverage limits and exclusions. Safe travels and enjoy the bungee jumping!

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2023-11-11 05:36:58

herringbur

Edited on 11/28/2023 at 11:14 AM

herringbur

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@mikejason [This content has been moderated by an administrator] So what is the procedure to register for insurance?

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2023-11-27 09:22:03

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asaan32

Edited on 11/15/2024 at 11:45 AM

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asaan32

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My experience has shown that PPO plans tend to be more flexible, especially if you need to see specialists frequently, since they allow you to go out-of-network if necessary. High deductibles can be a hurdle, but I've found that the plans with lower copays for routine visits are helpful in the long run.

When I was exploring options, I looked into group benefits through https://www.taylorbenefitsinsurance.com/, which focus on those plans. They tend to have lower out-of-pocket expenses compared to individual plans, which can be a big help with ongoing medical needs.

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2024-11-12 20:46:55

asaan32

Edited on 01/06/2025 at 2:01 PM

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What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2024-12-24 12:35:36

Shenita

01/06/2025 at 2:01 PM

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Shenita

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Choosing the right insurance can be overwhelming, especially when dealing with chronic conditions. From my own experience, having a PPO plan was a big advantage because it gave me freedom to see specialists without too much hassle. Deductibles were tough to manage initially, but opting for a plan with affordable copays for regular appointments made things smoother in the long run.

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2025-01-06 14:01:59

Shenita

Edited on 03/17/2025 at 12:24 PM

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I’ve had experience with both HMO and PPO plans, and in my case, PPO was the better choice, especially for specialist visits. With a chronic condition, waiting for referrals with an HMO feels like a hassle. The downside is that PPOs often come with higher premiums and deductibles, but I’d rather pay a bit more for flexibility and quicker care.

Some providers specialize in personalized plans, like https://premierpmi.co.uk/private-health-insurance-for-children/ for children, which ensures quick access to specialists without long waits. It’s worth looking into similar tailored plans for chronic conditions.

What health insurance is the best if you are permanently disabled? https://www.carenity.us/forum/other-discussions/good-to-know/what-health-insurance-is-the-best-if-your-perm-5500 2025-03-12 11:53:09

What health insurance is the best if you are permanently disabled?

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