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MNorthrup
Member
Joined: 1 Oct 2008
Posts: 7
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# Posted: 6 Feb 2009 20:19
Reply
If you are in business for yourself, you know that one of the not so pleasant experiences is trying to find affordable health insurance.
How do you get around this?
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mountainmom5
Joined: 30 Aug 2007
Posts: 2058
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# Posted: 7 Feb 2009 15:26
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Make enough so you never have to worry about it - LOL!
No, seriously, that is an issue many of us face with being self-employed... Here in MT we can get dental and dr care based on our income, which is really nice as that way when you are first starting out, you can still get medical help until your income goes up to where you can afford to pay reg prices.
Plus we also have a health program for kids of middle class families --- families that do not quality for government health care but are not in the 'rich class' either.
So you might want to check what is available in your state..
Like, it costs only $10 - $30 to have your teeth cleaned at the dentist, and about that much to see a dr.... it's a great program and more states should have it, maybe they do, I don't know...
I had wanted to sign up for Ameriplan for our kids several years (and do the business as it is an mlm company) but MT is one of the states that does not accept that program and it is because they have something of greater value in place already...
(I think the NW should become it's own country but then maybe I shouldn't say that as I don't want to start a political argument... :lol
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Matt Zenittini
Member
Joined: 16 Jan 2009
Posts: 171
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# Posted: 7 Feb 2009 15:56
Reply
I have a nice PPO with Geisinger. It has excellent coverage at a small premium at $97 a month.
I have a max out of pocket yearly expense of $750.
Small copays ($25 doctor 10% hospital e.g. surgery etc.)
PPO
No lifetime limit.
I'd look into them =]
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annadenise
Member
Joined: 9 Mar 2008
Posts: 300
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# Posted: 20 Feb 2009 17:15
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Matt Zenittini: I have a nice PPO with Geisinger. It has excellent coverage at a small premium at $97 a month. I have a max out of pocket yearly expense of $750. Small copays ($25 doctor 10% hospital e.g. surgery etc.) PPO No lifetime limit. I'd look into them =]
Do they exclude pre existing conditions? I am working at home now full time and we pay alot, but my husband has some pre-existing conditions. I'm trying to look into something at least for my college age kid's that is lower priced.
I found on dental that there are alot of discount program's that are so inexpensive, with a set fee for services, that they actually are cheaper than traditional dental insurance coverage.
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Matt Zenittini
Member
Joined: 16 Jan 2009
Posts: 171
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# Posted: 21 Feb 2009 17:04
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Geisinger does exclue pre existing conditions =[. Sorry.
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jeffathome
Member
Joined: 9 Sep 2008
Posts: 118
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# Posted: 22 Feb 2009 22:22
Reply
You could also try Humana or Assurant. They have pretty good rates.
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AJFarro
Member
Joined: 10 Mar 2009
Posts: 14
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# Posted: 26 Mar 2009 20:28
Reply
I had Humana for a couple of years. My doctor's office had nothing but problems trying to collect from them. In fact, Humana completely ignored about 3-4 of doctor's billings for things they had paid for in the past. No amount of calling or letter writing from myself or my doc's office helped. My doc's office was nice enough to settle for $150 with me for about $700 in unpaid claims.
I did manage to speak with a person one time to find out why a claim wasn't paid. She said it was processed by the computer and not a human, but she promised me she would put a rep on it. Nothing ever happened.
Have you ever watched Michael Moore's Sicko documentary? Netfilx it. It's a real eye-opener. They mentioned something in there about computer processed claims being rejected. Unless you resubmit and request a person to process it, you're SOL.
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