BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:28 PM
Original message |
Some Health Insurance advice..... |
|
I was paying $585 last year for my husband and myself with a $5,000 deductible per person. Last month I was advised it was going to $747 a month. No way could we afford that.
I called an insurance broker and he told me that it was the "pool" we had been thrown into that was making it so expensive.
He reworked our insurance, put my husband and I into different pools. My husband has a $1,000 deductible. I have a $3,500 deductible with well visits and prescriptions not subject to deductibles. The cost for both plans is $360 a month.
BTW, the new plans are with the same company we had.
|
Fridays Child
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:30 PM
Response to Original message |
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:40 PM
Response to Reply #1 |
2. He's a local independent broker...... |
|
Edited on Sun Feb-03-08 01:41 PM by BlackVelvet04
I got his name from my homeowner insurance company. They don't have health coverage so they referred me to him. I think I love him. ;-)
I was seriously worried that we would have to become one of the millions who have no health insurance. I have 2 metal rods and 6 screws in my back and insurance companies don't like me.
My husband is a good bit older than I am and the broker also warned me that medicare supplemental insurance is a rip off. There is something called Medicare Advantage that you can have without cost and unless you have big ticket prescriptions or believe you will have a lot of hospital stays is more than adequate. The most a doctor's visit can cost with the Advantage plan is $30 and the most a hospital stay can cost is $600.
I really hope this information can help people who are being ripped off for health insurance.
|
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:48 PM
Response to Original message |
|
:kick:
I really want people to see this so they can get help if they need it.
|
Habibi
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:51 PM
Response to Original message |
|
Are you and your husband self-employed?
|
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:55 PM
Response to Reply #4 |
6. I'm unemployed and his employer doesn't provide |
|
health insurance because 95% or more of the employees are part-time.
|
proud2BlibKansan
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:52 PM
Response to Original message |
5. I am one of the lucky ones |
|
My employer pays my premiums.
|
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:55 PM
Response to Reply #5 |
7. I remember those good old days.... |
|
I used to work for the federal government and had great insurance.
|
proud2BlibKansan
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 02:02 PM
Response to Reply #7 |
9. They are coming to an end for me. |
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 02:05 PM
Response to Reply #9 |
10. Be sure to talk to someone knowledgable before |
|
getting rooked into one of the medicare supplemental plans. The guy I talked to was great....he gave me all kinds of info and advice.
|
knitter4democracy
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 01:59 PM
Response to Original message |
8. Those health insurance guys know their stuff. |
|
I talked with one when we were trying to hire our priest and needed some prices. He found some really good deals I didn't know about at all.
|
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 02:06 PM
Response to Reply #8 |
|
when I applied directly with Anthem BC/BS I just took what they gave me. DUH, that was pretty dumb and has cost me dearly for 6 years.
|
Habibi
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 06:48 PM
Response to Reply #11 |
12. Okay, I'm a little confused. |
|
If you're unemployed, what type of insurance do you/your husband have? Is it a Cobra-related type from your last employment? Is it Medicare?
I'm self-employed, but I get a group rate from the employee benefits company that provided me insurance when I was a contractor at Kodak. It's still helaciously expensive ($311 for just me, with some high co-pays for specialist visits, otherwise decent coverage). If I had to go looking for my own health insurance without this company, I think I'd be screwed.
|
BlackVelvet04
(1000+ posts)
Send PM |
Profile |
Ignore
|
Sun Feb-03-08 07:37 PM
Response to Reply #12 |
13. We have a private policy through |
|
Anthem Blue Cross/Blue Shield. PLEASE CALL AN INSURANCE BROKER TO HELP YOU. $311 for one person is awfully high. I've had major back surgery and am rated a 3 out 4 risk factor and mine is only $233 a month for me.
|
DU
AdBot (1000+ posts) |
Mon May 13th 2024, 06:42 PM
Response to Original message |