IPB

X   Site Message
(Message will auto close in 2 seconds)


Welcome Guest ( Log In | Register )

 
Reply to this topicStart new topic
> US Health Insurance
sprite
post Feb 13 2018, 08:07 AM
Post #1




V1P


Group: Multi-Lambo Owner
Posts: 7,809
Joined: 28-June 06
From: Europe
Member No.: 8,895





I'm moving to the US in a week or so and my current health insurance lapses in March (it's a worldwide health insurance that's only available if you are in the US less than 180 days/year and out of your resident country more than 90 days a year), so I need to get US health insurance. Is http://www.healthcare.gov the only place I need to search or do you also search individual agencies like with car insurance?


--------------------

Luck isn't some mystical energy that dances around the universe randomly bestowing people with satisfaction and joy, we create our own luck.

'18 Lamborghini Huracan LP 610-4 Spyder [Verde Mantis]
'16 Porsche GT3RS
'17 Dodge Viper ACR Extreme [Black w/Silver Stripes]
'18 Jeep Grand Cherokee Trackhawk [Black]


Sold: '96 Dodge Viper RT/10, '05 Dodge Ram SRT-10 TT, '05 Lamborghini Gallardo, '06 Lamborghini Murcielago, '06 Corvette Zee-06, '06 Ford GT, '07 Ferrari F430 Spider, '08 Lamborghini Gallardo SLTT, '08 Lamborghini Gallardo Spyder, '13 Nissan GTR, '13 McLaren MP4-12C Spider, '12 Lamborghini Gallardo LP 570-4 SL, '15 Huracan LP610-4 Coupe, '10 Lamborghini Murcielago LP 670-4 SV
Go to the top of the page
+Quote Post
SV-N-IT
post Feb 13 2018, 09:02 AM
Post #2







Group: Multi-Lambo Owner
Posts: 11,126
Joined: 10-March 05
From: South FLA.
Member No.: 2,228





you are better off speaking to a reputable agent that has access to all competitive carriers/products.
what state will you live in?


--------------------

(Yes, Life Insurance got me there)
Go to the top of the page
+Quote Post
sprite
post Feb 13 2018, 09:03 AM
Post #3




V1P


Group: Multi-Lambo Owner
Posts: 7,809
Joined: 28-June 06
From: Europe
Member No.: 8,895





QUOTE (SV-N-IT @ Feb 13 2018, 12:02 PM) *
you are better off speaking to a reputable agent that has access to all competitive carriers/products.
what state will you live in?


GA, do you have recommendations?


--------------------

Luck isn't some mystical energy that dances around the universe randomly bestowing people with satisfaction and joy, we create our own luck.

'18 Lamborghini Huracan LP 610-4 Spyder [Verde Mantis]
'16 Porsche GT3RS
'17 Dodge Viper ACR Extreme [Black w/Silver Stripes]
'18 Jeep Grand Cherokee Trackhawk [Black]


Sold: '96 Dodge Viper RT/10, '05 Dodge Ram SRT-10 TT, '05 Lamborghini Gallardo, '06 Lamborghini Murcielago, '06 Corvette Zee-06, '06 Ford GT, '07 Ferrari F430 Spider, '08 Lamborghini Gallardo SLTT, '08 Lamborghini Gallardo Spyder, '13 Nissan GTR, '13 McLaren MP4-12C Spider, '12 Lamborghini Gallardo LP 570-4 SL, '15 Huracan LP610-4 Coupe, '10 Lamborghini Murcielago LP 670-4 SV
Go to the top of the page
+Quote Post
SV-N-IT
post Feb 13 2018, 09:10 AM
Post #4







Group: Multi-Lambo Owner
Posts: 11,126
Joined: 10-March 05
From: South FLA.
Member No.: 2,228





QUOTE (sprite @ Feb 13 2018, 10:03 AM) *
GA, do you have recommendations?

yes pm me your email.


--------------------

(Yes, Life Insurance got me there)
Go to the top of the page
+Quote Post
05LSV
post Feb 13 2018, 04:30 PM
Post #5







Group: Multi-Lambo Owner
Posts: 2,298
Joined: 19-November 09
From: San Diego
Member No.: 22,839





QUOTE (SV-N-IT @ Feb 13 2018, 09:02 AM) *
you are better off speaking to a reputable agent that has access to all competitive carriers/products.
what state will you live in?



Agreed.


--------------------

2015 Huracan LP610-4
2018 Range Rover LWB
2014 Panamera S (V6 twin turbo)

2008 Gallardo Coupe (blk/blk, Larini, ECU tune) - SOLD
2014 Range Rover LWB - SOLD
2011 Mercedes SL550 - SOLD
2011 Range Rover HSE Lux - SOLD
2010 Range Rover HSE Lux - SOLD
2010 Mercedes E63 - SOLD
Go to the top of the page
+Quote Post
yellomurci
post Feb 13 2018, 06:52 PM
Post #6







Group: Lambo Owner
Posts: 1,080
Joined: 6-June 07
From: Charlotte NC and Delray beach FL
Member No.: 11,289





I do hope you like bending over and being shafted without lube?
Go to the top of the page
+Quote Post
sprite
post Feb 14 2018, 01:03 AM
Post #7




V1P


Group: Multi-Lambo Owner
Posts: 7,809
Joined: 28-June 06
From: Europe
Member No.: 8,895





QUOTE (yellomurci @ Feb 13 2018, 09:52 PM) *
I do hope you like bending over and being shafted without lube?


Not looking forward to it but it's a necessary evil in the US. Right now I have this expat insurance through BCBS ( https://www.geo-blue.com ) that covers me anywhere in the world, the policy was half the price if you opted for every country in the world except the US. That tells you something about the US healthcare business.


--------------------

Luck isn't some mystical energy that dances around the universe randomly bestowing people with satisfaction and joy, we create our own luck.

'18 Lamborghini Huracan LP 610-4 Spyder [Verde Mantis]
'16 Porsche GT3RS
'17 Dodge Viper ACR Extreme [Black w/Silver Stripes]
'18 Jeep Grand Cherokee Trackhawk [Black]


Sold: '96 Dodge Viper RT/10, '05 Dodge Ram SRT-10 TT, '05 Lamborghini Gallardo, '06 Lamborghini Murcielago, '06 Corvette Zee-06, '06 Ford GT, '07 Ferrari F430 Spider, '08 Lamborghini Gallardo SLTT, '08 Lamborghini Gallardo Spyder, '13 Nissan GTR, '13 McLaren MP4-12C Spider, '12 Lamborghini Gallardo LP 570-4 SL, '15 Huracan LP610-4 Coupe, '10 Lamborghini Murcielago LP 670-4 SV
Go to the top of the page
+Quote Post
jhbchess
post Feb 14 2018, 05:53 AM
Post #8







Group: Lambo Owner
Posts: 1,307
Joined: 30-November 11
From: Katy, TX
Member No.: 92,628





QUOTE (sprite @ Feb 14 2018, 03:03 AM) *
Not looking forward to it but it's a necessary evil in the US. Right now I have this expat insurance through BCBS ( https://www.geo-blue.com ) that covers me anywhere in the world, the policy was half the price if you opted for every country in the world except the US. That tells you something about the US healthcare business.


My business partner had a surgery here in the US last year. He did his best to make sure the doctor and anesthesiologist were both "in-network" and covered by our health plan. But during his surgery an out-of-network nurse anesthetist wandered in and his bill was out-of-network and 5x what the actual surgeon was charging in-network. He also forgot to check that the building/facility the surgery was occurring in was in-network, and he got slapped with thousands of dollars of extra charges. Took him 6 months of fighting to get the bills knocked down, eventually got the facility and the anesthetist to take cash for a discount.

Two differences you might experience with US plans are the concept of HMO vs PPO, and in-network vs out-of-network.

HMO plans don’t include out-of-network benefits, so if you go to a provider for non-emergency care who doesn’t take your plan, you pay all costs. Think of HMO as NETWORK ONLY plans. Errbody gotta be in that network for your surgery, procedure, etc. PPO plans include out-of-network benefits but you usually pay more of the cost, i.e. if your PPO plan normally covers 90% of the costs and you cover 10% for an in-network visit, an out-of-network visit might only cover 50% and you cover the other 50%.

Welcome to healthcare hell. Population: 323.1 million


--------------------

2017 Porsche Turbo S
2015 BMW i8 (sold)
2011 UGR TT Performante (sold)
2007 Gallardo Spyder (sold)
Eiffel Tower (sold)
Several bridges (sold)
Go to the top of the page
+Quote Post
Supercar Ace
post Feb 14 2018, 11:50 AM
Post #9




Jedi Ninja


Group: Official LP Member
Posts: 3,371
Joined: 29-June 06
From: Sunny So Cal - LA
Member No.: 8,919





QUOTE (jhbchess @ Feb 14 2018, 05:53 AM) *
My business partner had a surgery here in the US last year. He did his best to make sure the doctor and anesthesiologist were both "in-network" and covered by our health plan. But during his surgery an out-of-network nurse anesthetist wandered in and his bill was out-of-network and 5x what the actual surgeon was charging in-network. He also forgot to check that the building/facility the surgery was occurring in was in-network, and he got slapped with thousands of dollars of extra charges. Took him 6 months of fighting to get the bills knocked down, eventually got the facility and the anesthetist to take cash for a discount.

Two differences you might experience with US plans are the concept of HMO vs PPO, and in-network vs out-of-network.

HMO plans don’t include out-of-network benefits, so if you go to a provider for non-emergency care who doesn’t take your plan, you pay all costs. Think of HMO as NETWORK ONLY plans. Errbody gotta be in that network for your surgery, procedure, etc. PPO plans include out-of-network benefits but you usually pay more of the cost, i.e. if your PPO plan normally covers 90% of the costs and you cover 10% for an in-network visit, an out-of-network visit might only cover 50% and you cover the other 50%.

Welcome to healthcare hell. Population: 323.1 million


iamwithstupid.gif That being said, PPO is the way to go


--------------------

- Without Fear -

QUOTE
Top Gear: In eleven years at the company you’ve met a huge number of your customers, can you tell us what a typical Lamborghini owner is like?

Stephan Winkleman: It seems very superficial, but it’s really male. Usually, they’re all self-made men – ranging from those in the 20s right up to men in their 70s. They’re very proud of their product, and they have no fear to be seen in a car like this.

And when I speak to them, I feel that they buy into a world, not only into a product. So it’s also a lifestyle, an idea they see behind that. And they enjoy the car as something that is rewarding them for the hard work they’re doing, or a dream that came true after, say, saving for 20 years.
Go to the top of the page
+Quote Post
sprite
post Feb 14 2018, 01:14 PM
Post #10




V1P


Group: Multi-Lambo Owner
Posts: 7,809
Joined: 28-June 06
From: Europe
Member No.: 8,895





QUOTE (Supercar Ace @ Feb 14 2018, 03:50 PM) *
iamwithstupid.gif That being said, PPO is the way to go


Yeah I figured as much. Any other tips? Any specifics I should be looking for on deductibles/limits?


--------------------

Luck isn't some mystical energy that dances around the universe randomly bestowing people with satisfaction and joy, we create our own luck.

'18 Lamborghini Huracan LP 610-4 Spyder [Verde Mantis]
'16 Porsche GT3RS
'17 Dodge Viper ACR Extreme [Black w/Silver Stripes]
'18 Jeep Grand Cherokee Trackhawk [Black]


Sold: '96 Dodge Viper RT/10, '05 Dodge Ram SRT-10 TT, '05 Lamborghini Gallardo, '06 Lamborghini Murcielago, '06 Corvette Zee-06, '06 Ford GT, '07 Ferrari F430 Spider, '08 Lamborghini Gallardo SLTT, '08 Lamborghini Gallardo Spyder, '13 Nissan GTR, '13 McLaren MP4-12C Spider, '12 Lamborghini Gallardo LP 570-4 SL, '15 Huracan LP610-4 Coupe, '10 Lamborghini Murcielago LP 670-4 SV
Go to the top of the page
+Quote Post
emanon
post Feb 14 2018, 02:12 PM
Post #11




Group Icon

Group: LPower VIP
Posts: 5,980
Joined: 17-October 09
From: SoCal
Member No.: 22,556





QUOTE (sprite @ Feb 14 2018, 01:14 PM) *
Yeah I figured as much. Any other tips? Any specifics I should be looking for on deductibles/limits?


You really need to see what the costs are vs deductibles and out of pocket costs. It definitely isn't linear and much will depend on how often you see the doctor.

Is it $20/mo or $200/mo more for a $500 deductible vs $5k?

I'm not a fan of making a big hedge against fairly unlikely circumstances. Once you see the rates vs plans you'll quickly find something that works for you. Being a young guy (assuming you're in good health) who can easily afford a big deductible it doesn't make much sense to hedge it.


--------------------

QUOTE (Modo)
I bought my Lambo with section 8 rent. True story.
Go to the top of the page
+Quote Post
CHADW
post Feb 14 2018, 05:00 PM
Post #12







Group: Lambo Owner
Posts: 786
Joined: 28-May 06
Member No.: 8,402





They are built to reward big deductibles. Oftentimes, adding $1000 to the deductible will save more than $1000 in annual premium!

I think BCBS is pretty good personally. Check out an HSA plan with a big deductible and ideally use it as a small tax free savings account.
Go to the top of the page
+Quote Post
sprite
post Feb 14 2018, 06:01 PM
Post #13




V1P


Group: Multi-Lambo Owner
Posts: 7,809
Joined: 28-June 06
From: Europe
Member No.: 8,895





QUOTE (CHADW @ Feb 14 2018, 09:00 PM) *
They are built to reward big deductibles. Oftentimes, adding $1000 to the deductible will save more than $1000 in annual premium!

I think BCBS is pretty good personally. Check out an HSA plan with a big deductible and ideally use it as a small tax free savings account.


Would HSA apply for someone who is self employed? From what I read if I understood it correctly I can deduct my entire health insurance as 'adjustment of income'.


--------------------

Luck isn't some mystical energy that dances around the universe randomly bestowing people with satisfaction and joy, we create our own luck.

'18 Lamborghini Huracan LP 610-4 Spyder [Verde Mantis]
'16 Porsche GT3RS
'17 Dodge Viper ACR Extreme [Black w/Silver Stripes]
'18 Jeep Grand Cherokee Trackhawk [Black]


Sold: '96 Dodge Viper RT/10, '05 Dodge Ram SRT-10 TT, '05 Lamborghini Gallardo, '06 Lamborghini Murcielago, '06 Corvette Zee-06, '06 Ford GT, '07 Ferrari F430 Spider, '08 Lamborghini Gallardo SLTT, '08 Lamborghini Gallardo Spyder, '13 Nissan GTR, '13 McLaren MP4-12C Spider, '12 Lamborghini Gallardo LP 570-4 SL, '15 Huracan LP610-4 Coupe, '10 Lamborghini Murcielago LP 670-4 SV
Go to the top of the page
+Quote Post
jhbchess
post Feb 14 2018, 08:38 PM
Post #14







Group: Lambo Owner
Posts: 1,307
Joined: 30-November 11
From: Katy, TX
Member No.: 92,628





QUOTE (sprite @ Feb 14 2018, 08:01 PM) *
Would HSA apply for someone who is self employed? From what I read if I understood it correctly I can deduct my entire health insurance as 'adjustment of income'.
Yes but there are restrictions, such as the business income has to exceed the healthcare costs and there has to be a certain deductible limit. How do we not have a lambo guy that specializes in this stuff?? Someone step in, chop chop!


--------------------

2017 Porsche Turbo S
2015 BMW i8 (sold)
2011 UGR TT Performante (sold)
2007 Gallardo Spyder (sold)
Eiffel Tower (sold)
Several bridges (sold)
Go to the top of the page
+Quote Post
LV Eric
post Feb 14 2018, 10:23 PM
Post #15







Group: Official LP Member
Posts: 1,741
Joined: 30-November 04
Member No.: 498





QUOTE (sprite @ Feb 13 2018, 09:03 AM) *
GA, do you have recommendations?


Go back to Europe when you get sick. I’ve been doing all my operations there for the past 12 years. No chance I’d do one here unless it’s a emergency.

Best

Eric
Go to the top of the page
+Quote Post
SV-N-IT
post Feb 15 2018, 06:26 AM
Post #16







Group: Multi-Lambo Owner
Posts: 11,126
Joined: 10-March 05
From: South FLA.
Member No.: 2,228





QUOTE (jhbchess @ Feb 14 2018, 09:38 PM) *
Yes but there are restrictions, such as the business income has to exceed the healthcare costs and there has to be a certain deductible limit.

How do we not have a lambo guy that specializes in this stuff?? Someone step in, chop chop!

we have 14k life/health/annuity agents across the U.S., but unfortunately we specialize in all products except health ins.
I can recommend a local agent if needed. best bet is always try to fit in a group plan if possible. or even an association etc.


--------------------

(Yes, Life Insurance got me there)
Go to the top of the page
+Quote Post

Reply to this topicStart new topic
1 User(s) are reading this topic (1 Guests and 0 Anonymous Users)
0 Members:

 

Lo-Fi Version Time is now: 22nd June 2018 - 10:55 AM

> Our Sponsors

your alt tag