DirtyHarry Posted August 30, 2006 Posted August 30, 2006 Coming up for a job transition here pretty soon and I need some high deductable catrastrophic health insurance in the between time. Best I've found is around $50.00 premium. Anyone know where to get better than this? Quote
Alpinfox Posted August 30, 2006 Posted August 30, 2006 Health insurance is aid. I went for 3 years without. Maybe you should get married? I bet OlympiaClimber would say "YES!" I have no actual useful information and am just trying to get my spray legs back after my recent hiatus. Quote
DirtyHarry Posted August 30, 2006 Author Posted August 30, 2006 Actually i just want a plan that allows me to go to a chiropracter so I can go to Layton for a proctology exam. Quote
iluka Posted August 30, 2006 Posted August 30, 2006 Can you purchase COBRA coverage through your current plan. Not sure how expensive it is, but do know its a way to extend coverage after a job ends. Quote
Alpinfox Posted August 30, 2006 Posted August 30, 2006 ... COBRA coverage... COOOOOOOOOOOOOOBRA! Quote
Alpinfox Posted August 30, 2006 Posted August 30, 2006 Actually i just want a plan that allows me to go to a chiropracter so I can go to Layton for a proctology exam. I bet Layton would do that pro boner. Quote
chelle Posted August 30, 2006 Posted August 30, 2006 COBRA is pretty expensive in my exerience. Check out Lifewise of WA here. They have a catastrophic option that is pretty good, if you are worried about some sort of accident making you bankrupt and a HSA plan if you want to lower your taxable income. But since the deductibles are so high ($1-4k) you may be better off being "self insured" if it is a short period between jobs. Quote
DirtyHarry Posted August 30, 2006 Author Posted August 30, 2006 Actually i just want a plan that allows me to go to a chiropracter so I can go to Layton for a proctology exam. I bet Layton would do that pro boner. chelle - LifeWise is who offered me the $50 / month quote. So far that's the best. Self insured isn't a great option for me. I don't need any health care, I just need catastrophic in case I break something or something falls on my head or if I need a penis implant or something. Quote
Stephen_Ramsey Posted August 30, 2006 Posted August 30, 2006 But since the deductibles are so high ($1-4k) you may be better off being "self insured" if it is a short period between jobs. Hmmm, I'm not so sure about that. Having had four open orthopedic surgeries in the last two years, I think you are always better off having insurance. Having to pay a $1400 deductable is peanuts if you are really messed up. If I didn't have health insurance, I'd be a quarter million in debt to Harborview right now. Just my $0.02. Quote
JayB Posted August 31, 2006 Posted August 31, 2006 $50 a month really isn't all that bad. You can try Blue Cross/Blue shield, but I doubt they'll be able to beat the price. $600/year for a multi-hundred-thousand dollar hedge against going bankrupt and/or being in debt for the rest of your life is a mighty good deal IMO. Quote
spineguy Posted August 31, 2006 Posted August 31, 2006 Get the high deductable. In addition to covering you if something bad happens (i.e. spinal factures)...expensive, for day to day healthcare needs it will force a contractual write-off, which will save you 30-50% off the normal charge. the economics of healthcare are such that you simply need insurance, even if it is only catostrophic, or a Health savings account, etc. Quote
Off_White Posted September 6, 2006 Posted September 6, 2006 Yeah, here's another vote for Lifewise, it's what I've got and provide for my entire company. I don't need bells and whistles, just some serious backup for the possibility of an "oh shit" moment, and that high deductible plan is just the ticket. Only $50? Damn, you're younger than I thought you were. Quote
chris Posted September 6, 2006 Posted September 6, 2006 Another vote for Lifewise (which is a division or some-such of Blue Cross/Blue Shield). Quote
cj001f Posted September 6, 2006 Posted September 6, 2006 $600/year for a multi-hundred-thousand dollar hedge against going bankrupt and/or being in debt for the rest of your life is a mighty good deal IMO. Yes. Don't forget that health insurance coverage earns you the negotiated rate for care even if the health insurer isn't paying. That's usually a fraction of the rate they charge the uninsured. Quote
blondontherocks Posted September 13, 2006 Posted September 13, 2006 You probably will not find any better than that - even for a catastrophic plan. I get insurance off & on from my employer & frequently go through this, and COBRA coverage is generall $350-$400 / month. I have an insurance broker I have used who has been great about simplifying & getting me what I need for coverage. It is Harman Benefit Group & the number is 253-445-0110. Tell her you got the number from Wendy & she is great about getting things set up. Quote
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