Health Insurance

kleraudio · 06-27-07, 05:57

So what do you guys that do this full time do for health insurance?? I really dont want to keep another job for 25 hours a week just for insurance like I am doing now.

Thanks in advance!

Jim

zoomzoom mazda5 · 06-27-07, 06:13

Try to contact Blue cross / Blue shield or a insurance agent.

SIP on order!

kleraudio · 06-27-07, 06:27

Ive been looking at Humana One, but just wanted to see what everyone else is using/has used.

Jim

JDK · 06-29-07, 09:14

I'm an insurance agent and this is always a tough call because of the high cost of health insurance. I always try and get my clients to consider a higher deductable, $1500 and up, to help keep the monthly cost down. If you are young and healthy, you may even want to consider $2500 - $5000. You will, in most cases, be better off saving the difference in a separate bank account the difference between the lower and higher deductable and "self insure" yourself.
Just remember, the insurance companies know that most of the time, people NEVER meet their deductable so the extra premiums go into their pockets, why not put it in yours??
You are better off checking with several companies because even with "apples and apples", somebody will be less. Your home and auto agent should be able to help you choose a program that is best for your needs.
Make sure you check the PPO (preferred provider network) and see if your family doc, local hospital, (if married, your wife's OB-GYN) etc is listed. Cheaper rates won't help if you are paying more out-of-pocket.
Opt out of dental and vision, they rarely, if ever, are worth the cost.
Email me direct if you need any more help.

Superior Fine · 06-29-07, 10:02

One or two details pay for my insurance. If you look at it that way it isn't so bad.

kleraudio · 06-29-07, 10:12

Superior, that is true, what insurance providers and plans are you guys using?

Jim

BlueZero · 06-29-07, 10:15

I use Blue Cross / Blue Sheild. Not sure on the plan. It's about $100 a month for me. Good coverage too.

kleraudio · 06-29-07, 10:20

Thanks bluezero I will look into that.

Jim

kvfalcon · 06-30-07, 01:56

Marry a rich girl...or at least one with benefits!

Superior Fine · 06-30-07, 03:47

I haver Kiaser . I pay $510 for a family of three.

MikeN · 06-30-07, 10:23

I was with BC/BS, but rates went to $800+ for my family coverage 1.5 years ago, so I switched. Even now I pay ~$750/mth with high deducts, etc. Sucks :|

joshtpa · 07-19-07, 11:14

All of you guys must keep in mind that rates are going to be different depending on where you live.