Robb
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 08:37 AM
Original message |
So who's self-insured, health-wise? |
|
I'm of course losing the fine health insurance that came with the ex-Mrs. Robb's job, and am looking around. There was a thing about to come on CNN yesterday about people who are just paying cash these days, but naturally I missed it; anyone have a story to tell?
|
physioex
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 08:42 AM
Response to Original message |
1. Check out this web site... |
papau
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 09:04 AM
Response to Original message |
2. Nothing Cheap is available - but ins via groups you may belong to |
|
is a new thing. They get a commission, and you get insurance at rates that might be lower than an individual Blue Cross/Blue Shield policy in your area.
|
eyesroll
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 09:18 AM
Response to Original message |
3. When I was between jobs, I used a State Farm catastrophic policy |
|
It was something like $80/month, with a $2,000 deductible, no routine care, no prescription, no maternity care (not that you'd need that) etc. -- but if I were to, say, have a heart attack (at 22), it wouldn't have bankrupted me. I married Whitacre D_WI and went on his insurance before I needed anything with that policy.
You also may want to consider COBRA -- I think you can pay (astronomically) out of pocket for the coverage you used to have under ex-Mrs. Robb's policy for something like 18 months. Most people think of COBRA when they lose their job, but I think it works for others who lose coverage.
|
Burma Jones
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 09:21 AM
Response to Original message |
4. I belong to IEEE and get insurance through them |
|
I'm 44, have a big deductable and it still costs me $330 per month. However, that's better than I could get elsewhere. I'm surprised that more established churches don't form groups to buy their members health insurance.
|
Nay
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 09:53 AM
Response to Original message |
5. COBRA is impossible to pay for. |
|
My son, a healthy 21-year-old with no medical problems at all, was quoted about $500 per month for a COBRA policy. We ended up buying a high-deductible catastrophic insurance (just to pay for the ghastly possibility of a devatating car accident, etc.). It did not pay for regular dr visits, etc.
|
Lars39
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 10:08 AM
Response to Reply #5 |
7. I'm paying $1000/month for COBRA right now for my family of four. |
|
We had BC/BS at 90/10. I had to have major surgery, and have to have more MRI's with possibly more major surgery. I have been more afraid of bankrupting my family than I have been of the surgery.
|
flamingyouth
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 10:00 AM
Response to Original message |
|
I pay about $200/month with a $750 annual deductible, which I've already met this year thanks to a CT scan on my kidney in January. I can't go without health insurance due to a chronic health problem, so it's just part of the budget for me, unfortunately.
|
1monster
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sat Jun-05-04 10:17 AM
Response to Original message |
8. I have a policy with American National Health Insurance of Texas |
|
A $2500 deductible for each family member (and no family aggregate). It does pay for childhood immunizations (which added $17.00 per month to the whole tab for the duration of the policy. We get a discount on generic drugs and a small (maybe up to ten or so dollars) on Rx.
We've had the policy since 1992 and never made a claim on it (with the exception of the Rx discounts) until last year when my husband developed angina and spent a week in two different hospitals and had an agioplasty and a stent placed.
Yet every year from the first year, we got increases in our premium. The last two years, we have been getting increases twice a year. We are now paying $465.00 per month. But it is, essentially, catastrophic coverage and little else.
|
DU
AdBot (1000+ posts) |
Fri Apr 26th 2024, 03:57 AM
Response to Original message |