Health Insurance

diabetesfree
By diabetesfree Latest Reply 2011-05-12 18:06:10 -0500
Started 2011-05-10 09:31:33 -0500

I'm independently employed, so I am responsible for providing my own health insurance. My insurance provider has jacked my rates up by more than 40% this past year alone. I was just wondering if any of you out there have actually had a GOOD experience with a health insurance company or knows of any that don't charge more than my mortgage each month for coverage? FYI, I live pretty much in the middle of nowhere, so programs from chain hospitals like Kaiser wouldn't do me any good.


9 replies

diabetesfree
diabetesfree 2011-05-11 17:27:28 -0500 Report

Thanks much for all the input. Sounds like a bad situation, all the way around. I started out paying about $150 a month with a $1,000 deductible and $500 on medications. Today, it is $600 a month, a $7,500 deductible and $750 deductible on medications. My co-pay on meds has gone from $25 to $40-$45 as well. The insurance payments are actually larger than all of my medical/drug expenses combined. Seems like I will be better off without it, since it no longer really provides any actual benefits that save me money.

Gabby
GabbyPA 2011-05-12 18:06:10 -0500 Report

There in lies the issue. The biggest problem I find as an uninsured self employed person, is that even if I have the cash to go to a doctor of my choosing, many of them will not see me without insurance. Even if I have enough to pay them in cash. That to me is the most insidious part of it all. So before you toss it aside to save money, make sure your doctors will take you as a self pay patient.

Harlen
Harlen 2011-05-10 17:49:46 -0500 Report

I had lots of them before DX but now that I use it NO good just lots of money out the door .As long as you dont use it or need it you can get it cheepper but if your going to use it well you see what they will do ,they will keep jacking it up till they are making money off you
Good luck and best wishes
Harlen

Cookie Roma
Cookie Roma 2011-05-10 12:52:12 -0500 Report

While we have insurance through my husbands firm, it's pretty costly. As of this year we pay just shy of 30k per year. We have a personal deductible of $5,000.00 and family deductible of an additional $4,000.00. We are still raising 3 teenagers so it smarts.

kdroberts
kdroberts 2011-05-10 10:11:01 -0500 Report

One thing you might want to check out is brokers or small business associations that serve your geographic area. Often they can be very good with benefits, especially the small business associations. One of the things they do is offer group policies based on their membership so even though you may only be a one person shop for insurance purposes you would be part of the overall group which can make a large difference in pricing and coverage. http://www.sba.gov/ and http://northcoastsbdc.org/ might be good places to start looking.

kittenpurr1
kittenpurr1 2011-05-10 09:57:03 -0500 Report

I feel for you, my deductible is $10,000.00 - the largest their is. They don't want to pay for anything- If the doctor charges more than they think they shoulld- they don't pay. My co-pay doesn't count towards it. They don't think a B-12 shot is a need, so that's not paid for. Try United Health Care- they were better, with a $1,000.00 dedcutible, and there's a new commericial on TV about insurance health coverage.

jayabee52
jayabee52 2011-05-11 18:55:38 -0500 Report

Janet, that's terrible! Who are these bloodsuckers?

kittenpurr1
kittenpurr1 2011-05-11 19:25:13 -0500 Report

It's Blue Cross/ Blue Shield. It's a major medical plan. Before the company had United Health care and the dedcutible was only $1,000.00 -
Their vision plan seems to be good. Their dental plan seems okay, except they won't pay the dentist, they are saying his office sent in the wrong tooth. So, I guess I will have to go down to his office, and let him count teeth. He charged $400.00 to fill one tooth, no x ray- that is steep. The cavity wasn't that deep, or big.

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