Where do you guys get health insurance?

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Hey Warriors,

Where do you guys get health insurance?

I'm having a real hard time with this, having been self-employed for two years and suffering from four chronic illnesses.

Thanks for your responses
#guys #health #insurance #self-employed
  • Profile picture of the author wmwoodie
    Hi Written,

    That is a very subjective question depending on many factors. Where you live and what is available in your State and County is a key factor. How much and what quality of coverage you want (or need) is another major consideration. I had to go through this exercise myself just last year and it was not a fun experience so I don't envy your situation. I recommend you do a detailed Internet search and pick 4 or 5 that interest you. Then you can narrow them down by what is actually available in your area (using your zip code). Then by what they offer, and how much they cost. I had Blue Cross Blue Shield last year and at the end of the year they stopped offering their coverage in my area. Apparently my small county was not big enough for them to bother with. It was too bad too because I really like it. So hopefully you won't have that problem. And, be prepared....if you put your phone number out there you could get a whole lot of calls!!! Good luck....

    ~ wmw
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  • Profile picture of the author NoobSensei
    Originally Posted by Written View Post

    Hey Warriors,

    Where do you guys get health insurance?

    I'm having a real hard time with this, having been self-employed for two years and suffering from four chronic illnesses.

    Thanks for your responses
    I hate to say it...but if you're an American and you have four chronic illnesses, you can pretty much forget it when it comes to finding affordable health insurance, at least for now. You might be able to find a policy that provides catastrophic coverage only, just in case you get into an accident...but it won't cover your chronic conditions.

    However, starting next January, the Affordable Care Act will go into effect and you'll be able to buy health insurance on your state's health insurance exchange (at the same rate that you'd pay if you didn't have any chronic illnesses). You'll be able to start browsing the available policies in October, although the policies won't actually go into effect until next January. I would highly recommend you look into your state's health insurance exchange in October so that you have a policy ready to go for next year.
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    • Profile picture of the author longblog
      Originally Posted by NoobSensei View Post

      I hate to say it...but if you're an American and you have four chronic illnesses, you can pretty much forget it when it comes to finding affordable health insurance, at least for now. You might be able to find a policy that provides catastrophic coverage only, in case you get into an accident...but it won't cover your chronic conditions.

      However, starting next January, the Affordable Care Act will go into effect and you'll be able to buy health insurance on your state's health insurance exchange (at the same rate that you'd pay if you didn't have any chronic illnesses). You'll be able to start browsing the available policies in October, although the policies won't actually go into effect until next January. I would highly recommend you look into your state's health insurance exchange in October so that you have a policy ready to go for next year.
      I would traditionally agree with you, but my Sister, who was without insurance due to major life tragedy (divorce), was able to get Kaiser Permanente for a very affordable rate. I think she's paying just over a hundred bucks a month for insurance on herself only. Her kids are still covered under my ex-brother-in-law's military policy, so the multi-person rates are unknown to me.

      She's needed surgery for a few months and they took her right in. She's going to finally get her care today, and she's only been a member for a month. As much as I'd like to speak poorly about managed healthcare like Kaiser, they were the only place she could get her surgery taken care of given the circumstances. Additionally, their willingness to give her care after only being a member for a month, and their low costs, have me looking into my provider.
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      • Profile picture of the author seasoned
        Originally Posted by longblog View Post

        I would traditionally agree with you, but my Sister, who was without insurance due to major life tragedy (divorce), was able to get Kaiser Permanente for a very affordable rate. I think she's paying just over a hundred bucks a month for insurance on herself only. Her kids are still covered under my ex-brother-in-law's military policy, so the multi-person rates are unknown to me.

        She's needed surgery for a few months and they took her right in. She's going to finally get her care today, and she's only been a member for a month. As much as I'd like to speak poorly about managed healthcare like Kaiser, they were the only place she could get her surgery taken care of given the circumstances. Additionally, their willingness to give her care after only being a member for a month, and their low costs, have me looking into my provider.
        Well, Kaiser permanente isn't really INSURANCE, but an HMO. I think they DO have some provisions for a PPO, but that may cost more. Admittedly it HAS been a while since I researched it. Being an HMO, many of their costs are fixed and, within reason, they can make a profit by providing insurance at a lower price, with stipulations.

        Of course all of this seems MEANINGLESS, and is transparent, as long as they happen to be close. For what it is worth, I have a cousin that at least USED to be the head of one section at KP, and my father had his heart bypasses done there. They ARE a nice hospital. I also used to have a policy with them. Where I am NOW, I may not get coverage, and I just have regular insurance.

        Steve
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      • Profile picture of the author ronr
        Are you sure about those rates for Kaiser? I guess they are possible if she is quite young.

        We recently cancelled Kasier after 20 years when the rates got out of hand. Almost $1200/month for 3 people. Daughter in low 30"s paying $300/month. For older we were paying almost $900 per month and that was for major medical and we had to pay the 1st $3,500 of medical costs per person. I know a lot of people who have quit Kaiser this year because of the cost increases.


        Originally Posted by longblog View Post

        I would traditionally agree with you, but my Sister, who was without insurance due to major life tragedy (divorce), was able to get Kaiser Permanente for a very affordable rate. I think she's paying just over a hundred bucks a month for insurance on herself only. Her kids are still covered under my ex-brother-in-law's military policy, so the multi-person rates are unknown to me.

        She's needed surgery for a few months and they took her right in. She's going to finally get her care today, and she's only been a member for a month. As much as I'd like to speak poorly about managed healthcare like Kaiser, they were the only place she could get her surgery taken care of given the circumstances. Additionally, their willingness to give her care after only being a member for a month, and their low costs, have me looking into my provider.
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    • Profile picture of the author agmccall
      Originally Posted by NoobSensei View Post


      However, starting next January, the Affordable Care Act will go into effect and you'll be able to buy health insurance on your state's health insurance exchange (at the same rate that you'd pay if you didn't have any chronic illnesses). r.
      Unfortunately you have this backwards. what will happen is those who do NOT have chronic illness will be paying the same rate as those that do. Then, most will opt out of insurance altogether and pay the fine as it will be much cheaper than insurance (this is by design) Insurance companies will either go out of business or move to other areas out of the healthcare business. Then your Mommy/Daddy government will step in and take care of you. Oh happy days

      al
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      • Profile picture of the author seasoned
        Originally Posted by agmccall View Post

        Unfortunately you have this backwards. what will happen is those who do NOT have chronic illness will be paying the same rate as those that do. Then, most will opt out of insurance altogether and pay the fine as it will be much cheaper than insurance (this is by design) Insurance companies will either go out of business or move to other areas out of the healthcare business. Then your Mommy/Daddy government will step in and take care of you. Oh happy days

        al
        Don't forget! ********NOBODY******** wants insurance! NOBODY! I mean you can EASILY get health insurance for a paltry amount. Look at dental/eye insurance. CHEAP! BUT, you say, that is for eyes and jaws/teeth. NOPE! It is jaws/teeth and eye HEALTH INSURANCE. Plans have a set list of things they will and won't cover, and they have ones that may be decided by a local board. Don't like that? GO SOMEWHERE ELSE!

        ANYWAY, the higher the deductible, lower the care, lower the percentage of care, or the smaller the list, the lower the deductible! It can get to be VERY low.

        With the current proposed INS, that list is NOT yet written, and things may be decided by a FEDERAL board. Don't like that? TOUGH!

        My point? You DON'T want insurance! You want the proper care at a reasonable price. The two are often NOT the same.

        Steve
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  • Profile picture of the author MouseandMice
    Why not apply for Medicare/Medical (if you're in CA?) I believe chronic illness (or terminal) is automatic qualification for it. Not the best choice, but it works.
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    • Profile picture of the author ronr
      If you are Christian I know of a of a possible solution that could help you.
      Send me a PM if this applies.

      Ron
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      • Originally Posted by ronr View Post

        If you are Christian I know of a of a possible solution that could help you.
        Send me a PM if this applies.

        Ron
        I was diabetic I cured it myself with diet but I don't have healthcare since I started working for myself, I'm pretty healthy now but would like to see what other market solution out there other then the forced thing they are pushing us into next year.
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        soon people... Relax...
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  • Profile picture of the author twinkenterprises
    I might have a possible solution for you too. Check out my website I have some options there for self employed people and people with medical conditions.
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