Guess it may not be FULL COVERAGE, but I have catastophic only through BLUE CROSS and pay a mere $36 a month.
This covers any catastrophic bills after a $10,000 deductible up to 2 million dollars.
If I have to see a doctor for anything during the year, I do not mind forking up a few bucks then instead of paying a ridiculous $300+ premium a month.
Other than check-ups, have not been to a doctor in 20 years, so don't need it.
This covers any catastrophic bills after a $10,000 deductible up to 2 million dollars.
If I have to see a doctor for anything during the year, I do not mind forking up a few bucks then instead of paying a ridiculous $300+ premium a month.
Other than check-ups, have not been to a doctor in 20 years, so don't need it.
I agree with Fish in that high deductible plans are the way to go, but you have to be able to sustain a $10,000 hit if you expereince health problems.
I have a $10,000 deductible plan for my family and pay about $200 a month through an HSA (Health Savings account) plan. I pay out of pocket for all doctor visits and hospital visits are covered after my deductible is met. I live in South Florida and rates for regualr policies are sky high for self-employed folk like myself. Always best in the long run to self-insure as much as you can afford to....that's why I like the high-deductible plans.
I have a $10,000 deductible plan for my family and pay about $200 a month through an HSA (Health Savings account) plan. I pay out of pocket for all doctor visits and hospital visits are covered after my deductible is met. I live in South Florida and rates for regualr policies are sky high for self-employed folk like myself. Always best in the long run to self-insure as much as you can afford to....that's why I like the high-deductible plans.
I have never looked into one of these , pretty complicated.
http://www.ushealthcareplans.com/planbenefits.htm
I just called the one above...the rates are around 100-140 a month and would cover anything major over $2,500 up to 2 million
I just don't want to be wiped out by something serious.
A plan like this is what I would prefer.
Dante not sure what you mean by $500 a month, how would average people who work for themselves be able to afford that?
http://www.ushealthcareplans.com/planbenefits.htm
I just called the one above...the rates are around 100-140 a month and would cover anything major over $2,500 up to 2 million
I just don't want to be wiped out by something serious.
A plan like this is what I would prefer.
Dante not sure what you mean by $500 a month, how would average people who work for themselves be able to afford that?
Jman, my wife and I had a plan through Anthem, it was $270 a month, $20 copay, and $20 prescriptions i think. Up to 2 mil in coverage, with a 1K deductable.
E-healthinsurance.com is a great site, plug in your info, and it will give you rates from competeing companies. Similar to lending tree.
GL
BB
E-healthinsurance.com is a great site, plug in your info, and it will give you rates from competeing companies. Similar to lending tree.
GL
BB
Thankfully I dont need to worry about that right now. With my separation and my wife working now, she carries the insurance at her job, excellent coverage.
A few months back, I was chekcing out Starbucks. You can work part time, and get full benifits. Don't know if you would want to look into something like that.
BB
A few months back, I was chekcing out Starbucks. You can work part time, and get full benifits. Don't know if you would want to look into something like that.
BB
Journeyman said:
That's what it costs - even more in NY.
That's what I pay for a top tier plan with no referrals. You can bet that when I scratch my finger I'm at the doctor. If I think I have a fever, I'm calling for an appointment. And if I get mildy depressed because I cooked something medium instead of medium rare I'm at the shrink.
I need to get my money's worth.
Ya know?
Wow this seems more complicated than I realized it would be, I called this one here...this one was around 115 a month, anything over 2500 was covered.
https://www.goldenrulehealth.com/cu...aspx?SID=2915ba43-98c1-49db-93ad-aac7436bc164
https://www.goldenrulehealth.com/cu...aspx?SID=2915ba43-98c1-49db-93ad-aac7436bc164
