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DirtyHarry

Health Insurance

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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?

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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.

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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.

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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.

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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.

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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.

 

yellaf.gif

 

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.

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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. wave.gif

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$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.

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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.

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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. yellaf.gif

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$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.

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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.

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