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Reply to "Am I being insane? I just get a quote and it's cheaper to get my own insurance in the open market."
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[quote=Anonymous]Be very careful - the $200 policies when you read the fine print are a complete scam and will not ever cover a penny of your medical care. Also, they generally have not negociated discount pricing for services so you will end up paying full freight. We had a similar policy about 4 years ago when DH was unemployed and had to look for one again about 2 years ago and the terms were way worse 2 years ago. After a medical emergency at Inova and getting full price bills, DH went in to ask for financial assistance and was told he wouldn't owe a penny if we didn't have that crappy insurance. Of course now you have to have some sort of insurance under Obamacare though. READ THE FINE PRINT - you are still likely better off buying it through work.[/quote]
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