Errrrm, be really really careful with NASE. Although their plans look affordable, and have a nice low premium, if you actually price-out scenarios you will discover that the coverage is half-assed at best.

I used a recent example where I fell on some ice and broke my arm. It was not a terrible fracture, no surgery nor setting was required, but it was up at the elbow so some follow-up care was required. My bills totalled over $1800!

Under the NASE plan, they would have covered a maximum of $1000.

The NASE rep tried to tell me that $1800 for a broken arm was ludicrous and that my doctors must have been doing something wrong, that broken limbs just don't cost that much! I laughed in his face. I have broken my arms 3x in my adult life and the least one of them cost was $1200 -- and that was the multiple fracture that I demanded they not cast. I already owned a surgical-quality splint that actually immobilized the arm better than a cast would. (It would also mean less physical restriction so I could still sort of work) I skipped a follow-up appointment on that one too. So $1200 was a bare-naked broken arm and even that would not have been fully covered.

Take a really, really critical look at what exactly is covered and what exactly is not. NASE leaves a lot of things out, so your out-of-pocket will be pretty high.

In terms of affordable but comprehensive providers, have a look at Humana. I have had them recommended several times and the quote I received on coverage was reasonable.

I have had coverage by Blue Cross/Blue Shield years ago and swore I would never go back. They kept changing the rules mid-stream and "interpreting" my medical conditions however they wanted (often incorrectly) so they could get away with not covering things that were very clearly supposed to be covered. I had to challenge coverage of things regularly which wasted a lot of my time. Maybe they have changed recently.

There is a long thread about this at the SitePoint Forums, note there is a lot of feedback about NASE as well as other recommendations.

Hope this helps!!!!

Bailey

Jane it's not really an option for you.




You'll have no real BUSINESS FUTURE if your unable to ATTRACT sombody. You can only use DO AS I SAY, NOT AS I DO.....for so long.
http://tinyurl.com/s7a3a

I can quite honestly say that this is probably the nastiest post I've ever seen on any forum ever.

Just because I don't want to get married doesn't mean I don't attract people to me. You signed up for my ezine didn't you? You must be a complete sap then, mustn't you. In fact, you even filled out my marketing analysis.

I can't believe this. Not only are you attacking me as a person, but you're attacking my business as well.

And you know nothing about me or why I don't want to get married.

How dare you. How dare you imply that I can't attract anyone to me or attract anyone to my business.

If you think I'm taking this kind of crap lying down, then you have another thing coming. Words in ears, watch out.

****ing arsehole.

Jane