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Title: Health Ins.... Post by: Breadburner on September 10, 2007, 11:02:11 am Mine just went from 27 dollars a week to 80 dollars a week.....Thats for a Single non-smoker....Whats everyone else paying and do I have any local options like Blue Cross/Blue Sheild......Thanks in Advance.....
Title: Health Ins.... Post by: AngieB on September 10, 2007, 11:09:41 am You can apply online at www.bcbsok.com. I think high-deductible individual coverage is pretty reasonable (comparitively speaking).
If you are a member of the chamber, you can get group rates through them for BCBS coverage. Title: Health Ins.... Post by: Conan71 on September 10, 2007, 12:04:46 pm I don't have a clue what my employer contribution is, I pay $15.25 per week- no dependents, non-smoker.
Sounds like your employer quit contributing to your plan, I was paying about $240 a month three years ago when I was still self-employed. Title: Health Ins.... Post by: sgrizzle on September 10, 2007, 01:43:17 pm That's pretty high. You might look at a high deductible plan plus an HSA. Your HSA will rollover and if you don't spend much you;ll come out ahead.
Title: Health Ins.... Post by: Breadburner on September 10, 2007, 02:14:37 pm HSA......?
Title: Health Ins.... Post by: Lister on September 10, 2007, 02:17:34 pm quote: Health Savings Account. You take a deduction out of your weekly, or biweekly pay (pre-tax) that goes into a savings account that you can spend on medical needs. The only drawback is that what you don't spend, you lose (at least I think). I'm one of the lucky ones, my employer pays 100 percent of my premiums. That 80 dollars a week you are paying is awfully high. Title: Health Ins.... Post by: sgrizzle on September 10, 2007, 02:31:14 pm quote: FSA you lose at the end of the year, HSA stays with you until you spend it. Some companies offer a high-deductible plan at little or no cost to the employee so you can put the money you would've been spending into your HSA. Title: Health Ins.... Post by: Lister on September 10, 2007, 02:49:11 pm quote: Ahh. That's right "Flexible Spending Accounts" you lose. Good info Sgrizzle. Title: Health Ins.... Post by: Breadburner on September 10, 2007, 03:28:05 pm Well I just talked to my company to see if this might be a mistake....It's not....4,160.00 a year for health insurance for myself a non-smoker no pre-existing condition...This I have to say is blowing me away especially when I figure in my auto insurance and homeowners.....A little over 6,000.00.....What a hose job.....
Title: Health Ins.... Post by: Lister on September 10, 2007, 04:02:40 pm quote: I agree with you completely. You might as well go out and buy insurance on your own. What kind of work are you in, if I might ask? Title: Health Ins.... Post by: unknown on September 10, 2007, 04:17:47 pm How high a deductible are you thinking? You get too high a deductible and you run the risk of never meeting your deductible for the year and your insurance won't be covering much till you get the deductible paid off.
Title: Health Ins.... Post by: Breadburner on September 10, 2007, 04:18:07 pm I'm in sales......
Title: Health Ins.... Post by: inteller on September 10, 2007, 06:16:00 pm quote: eery. that is exactly what I pay. Title: Health Ins.... Post by: Steve on September 10, 2007, 06:46:48 pm At least you guys can obtain health insurance, employer or private. I have medical issues that have rendered me "uninsurable."
I thought the purpose of insurance was to distribute the cost of misfortune among a wider pool of participants. What a joke, as the insurance companies have narrowed the eligible pool at the expense of the rest of us. Fortunately, my health today is good, but I live in constant fear of the day when I get sick and become either a charity case and forfeit my hard-earned home and everything I own, or choose to die at home without health care because I can not afford it. I would gladly pay insurance premiums and defray a part of my future health care needs if the premiums were reasonable and affordable, but the insurance industry has deemed me uninsurable. Count your blessings, those of you that currently have and can afford health insurance. The health care system in this country is one gigantic cluster f*ck. Title: Health Ins.... Post by: RecycleMichael on September 10, 2007, 07:22:21 pm I recommend a diet filled with preservatives to fight off infectious diseases.
If you get the sniffles, eat a Quik-Trip sandwich for lunch, a frozen pizza for dinner, and call me in the morning. Title: Health Ins.... Post by: Steve on September 10, 2007, 08:36:21 pm quote: I am sure your post was meant as humorous with no animosity, but health care and insurance costs today are no laughing matter. Tell someone like myself that can not buy health insurance at any price due to serious "pre existing conditions" to just eat a Quik Trip sandwich. This is not a subject to trivialize. Title: Health Ins.... Post by: RecycleMichael on September 10, 2007, 08:42:55 pm My post was not meant to trivialize any particular person or condition of insurability.
Like most of my ramblings, they were meant to add a stupid comment and make me laugh. If I offended you in any way, I apologize. And don't call me in the morning... Title: Health Ins.... Post by: Lister on September 11, 2007, 06:14:30 am I'm sorry to hear about your situation Steve. Sometimes people don't realize how bad it can be if you are uninsured (and I'm not talking about you RM, I know you meant no harm) and I'm sure that's a great weight on you. The health care and more specifically the insurance system in this country is whacked out. I'm very fortunate to have the employer I have and their good benefits. I hope that you can get this resolved someday soon.
Title: Health Ins.... Post by: sgrizzle on September 11, 2007, 06:48:37 am quote: http://en.wikipedia.org/wiki/High_Deductible_Health_Plan The idea is that for day-to-day expenses, your HSA pays and for major hospital stays, only then does the insurance pay. Most people take $2000/yr or less out of their insurance. If Breadburner is in the same boat, he would be better putting his $4,200/yr premium into a savings account instead of just flushing $2,200/yr or more down the toilet. Title: Health Ins.... Post by: Conan71 on September 11, 2007, 08:34:31 am quote: Steve, Would Medicaid or some sort of state-sponsored plan not help you? Or do you have to lose your house and everything else of value first? I'm very sorry to hear of your situation. Title: Health Ins.... Post by: unknown on September 11, 2007, 08:54:24 am quote: I would say he wouldn't qualify for any state assistance, but Most Hospitals do have uninsured discounts or other forms of Charity that help a little.... just usually have to ask for it. Title: Health Ins.... Post by: Steve on September 13, 2007, 12:57:07 pm quote: No, I do not qualify for Medicaid because I have too many "assets." So far, I have been lucky and been able to shoulder my own medical needs without insurance. I know there are many people far less fortunate than myself. I tend to be overly dramatic sometimes, but my previous post was not untrue. One serious hospital stay could force me to sell my home, and it is always on my mind. Then I would qualify for assistance, but I would have difficulty with that too. I think I would rather just expire with dignity and keep my home as long as I could. I have never, ever used public welfare/assistance programs, and I have a big psychological barrier to doing so. Title: Health Ins.... Post by: sgrizzle on September 13, 2007, 01:02:37 pm http://www.bcbsok.com/health_check_hsa.html
Title: Health Ins.... Post by: Conan71 on September 13, 2007, 01:41:33 pm quote: That makes two of us. |