sasto ra ramro health insurance kun company le dinchha? malai tyo policy ko naam pani chahiyo.

kohi sanga information bhaye launa malai help garnu paryo. YO PPO/HMO/INDEMNITY aadi ityadi maile kehi bujhina.

deductible kam, copay pani cam ra coinsurance pani kam bhayeko sasto health insurance kunai chha bhane launa sahayog paun?

 

I recommend  https://www.isoa.org/default.aspx and AIG Silver plan for $31 per month is a good deal.

 

International Student Health Plans from ISO
	COMPASS Health Insurance			ISO Med Health Insurance
Name of Plan	Gold	Silver	Bronze	Med Prestige	Med 1	Med 2
Insurance Company	AIG	AIG	AIG	ACE USA	ACE USA	ACE USA
Maximum Medical Benefits	$300,000	$150,000	$100,000	$1,000,000	$250,000	$100,000
Deductible at SHC1	$45	$50	$75	$25	$25	$25
Co-insurance2	100%	100%	100%	100%3 to first $6,000 80% thereafter3	80%3 to $4,000 100% thereafter	80%3 to $7,500 100% thereafter
Medical Evacuation	$50,000	$50,000	$50,000	$100,000	$100,000	$50,000
Repatriation	$25,000	$25,000	$25,000	$50,000	$50,000	$25,000
Rate for age under 24:	$43	$31	$29	$59	$39	$28
Additional Rates	COMPASS Additional Rates			ISO Med Additional Rates
	Buy Now!	Buy Now!	Buy Now!	Buy Now!	Buy Now!	Buy Now!

thank you laure boi. that seems a cool deal.

but the only problem with this is i am not a student. i am

just permanent resident of US.

Brother, try blue anthem. if you dont smoke and dont have a serious medical history, you should get a quote below $80 a month ( 2000 deductible and $ 25 for co pay).
chao

AIG is definitely cheap but it does not cover most of medical treatment. I had very bad experience 2 years back. So I do not recommend AIG at all.

There are some minute differences between PPO, HMO, and Indemnity.

One major difference is:

In PPO, you have the freedom to select any doctors, specialist, or hospital, anytime you wish from among the list of in-network providers of your insurance company. You can still go to out-of-network providers, but you might have to pay higher deductibles and higher co-insurance.

In HMO, you have to choose a primary care physician (PCP) who coordinates your care and refer to you specialists when necessary. In other words, you are restricted to only one doctor.

Depending on the deductibles, co-insurance, and the type of coverage you have, their premiums could be different, but everything else the same, you can see why HMO is little cheaper than PPO.

CDH is another very popular product. This is a bit tweak of PPO--the difference being CDH has  higher deductible and a health savings account. Because it has a higher deductible, it is bit cheaper than PPO by itself.

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If you are purchasing your insurance through your employer, I recommend you to stronly consider CDH, especially if you are healthy.

i like to thank garibbakochhora,eager a1, and guest 4 for your valuable suggestion.

probably i will go with garibbakochhora coz i found that they have

more choices and cheap options. i am planning to go college from this fall.

if so i would prefer to with laure boi.

 

my sincere thank to you all