Health Insurance

K

kleraudio

New member
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
 
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.
 
I use Blue Cross / Blue Sheild. Not sure on the plan. It's about $100 a month for me. Good coverage too.
 
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 :|
 
JDK said:
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.
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JDK is on the money depending on your family and health situation. There are several options depending on your needs and budget. Everything from an HMO to basic hospitalization, sometimes called catastrophic coverage. Joshtpa is also right in that your cost is going to vary by your location. You may want to also check into if your state FL has any type of state sponsored plan for small businesses. NY State has a couple of State sponsored plans. Check out an independent insurance agent and get quotes from multiple companies or do a Google search on FL health insurance quotes. You will get tons of hits from companies like ehealthinsurance etc.

If you take a high deductible type plan make sure you set aside some funds in a money market fund to cover the deductible. I may take time to build up the reserves but once you are done it's your money in the bank.



Here are a couple of websites that may help you out:



FL Dept of Financial Services



Florida Agency for Health Care Administration
 
I have a group health plan for myself and two full time employees. We are all under 30 and in good health so we are on the cheaper side of things. The plan is Keystone and is an HMO, only about $140 per person per month for full coverage.
 
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