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Health Insurance

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Dave DeFord_2
Dave DeFord_2 Member Posts: 29
in THE MAIN WALL
> Not heating related, but I was just wondering <BR>
> what the general consensus is here. As of now I <BR>
> get health insurance through my local Builder's <BR>
> association. I pay about $785.00 per month for <BR>
> myself, and my old man who also carries my sister <BR>
> on as a dependant. I want to offer health <BR>
> insurance to my new helper and am not enjoying <BR>
> seeing my insurance bill skyrocket past 1k. just <BR>
> wondering what you guys that offer health <BR>
> insurance as a benefit have found to be a <BR>
> reasonable price, and what options you give your <BR>
> employees.<BR>
> <BR>
> BTW if you want your answer to be <BR>
> confidential just e-mail me.. <BR>
> cosmo@dependablephc.com<BR>
> <BR>
> Thanks <BR>
> Guys!<BR>
> <BR>
> Cosmo Valavanis<BR>
> <BR>
> Dependable P.H.C. <BR>
> Inc. <BR>
<BR>
When I was shopping for insurance a few years back what I found is that if you take a low deductible you pay for it every year - for instance I was looking at a policy that had a

Comments

  • Cosmo_3
    Cosmo_3 Member Posts: 845


    Not heating related, but I was just wondering what the general consensus is here. As of now I get health insurance through my local Builder's association. I pay about $785.00 per month for myself, and my old man who also carries my sister on as a dependant. I want to offer health insurance to my new helper and am not enjoying seeing my insurance bill skyrocket past 1k. just wondering what you guys that offer health insurance as a benefit have found to be a reasonable price, and what options you give your employees.

    BTW if you want your answer to be confidential just e-mail me.. cosmo@dependablephc.com

    Thanks Guys!


    Cosmo Valavanis

    Dependable P.H.C. Inc.
  • Steve Garson_2
    Steve Garson_2 Member Posts: 712


    I offer to pay 80% of the cost, with their 20% taken out before tax. Your pricing is not out of line. You get what you pay for. If you want to reduce the cost, offer a plan with a higher co-payment.
    Steve from Denver, CO
  • hr
    hr Member Posts: 6,106
    Im playing the odds

    we have a high deductable and a major medical only policy. Cuts the premium way down.

    You'd be surprised how much the price changes when you pay cash at the emergency centers. An ER visit for a few stiches can be had for under 100 bucks around here. (First hand experience :) If they charge an insurance carrier expect to see 500 bucks or more. What a racket!

    hot rod

    To Learn More About This Professional, Click Here to Visit Their Ad in "Find A Professional"
  • jackchips_2
    jackchips_2 Member Posts: 1,337
    Completely opposite

    last night on 60 minutes hot rod.

    It was about people with no insurance paying the full rate and insurance companies paying 1/3rd or less. It was based on larger issues than stitches but it was pretty traumatic for the individuals involved.

    Some of us with full coverage from our companies (mine is my wife's) don't take it for granted.

    Health care and education are two areas this country has to do a better job with-not a politcal statement, just a fact.

    Jack
  • Dave DeFord_2
    Dave DeFord_2 Member Posts: 29
    Things to think about...

    > Not heating related, but I was just wondering

    > what the general consensus is here. As of now I

    > get health insurance through my local Builder's

    > association. I pay about $785.00 per month for

    > myself, and my old man who also carries my sister

    > on as a dependant. I want to offer health

    > insurance to my new helper and am not enjoying

    > seeing my insurance bill skyrocket past 1k. just

    > wondering what you guys that offer health

    > insurance as a benefit have found to be a

    > reasonable price, and what options you give your

    > employees.

    >

    > BTW if you want your answer to be

    > confidential just e-mail me..

    > cosmo@dependablephc.com

    >

    > Thanks

    > Guys!

    >

    > Cosmo Valavanis

    >

    > Dependable P.H.C.

    > Inc.



    When I was shopping for insurance a few years back what I found is that if you take a low deductible you pay for it every year - for instance I was looking at a policy that had a
  • Dave DeFord_2
    Dave DeFord_2 Member Posts: 29
    Things to think about...

    When I was shopping for insurance a few years back what I found is that if you take a low deductible you pay for it every year. For instance, I was looking at a policy that had a $1,000 deductible and the same policy with a -0- deductible. The difference in price was $980 per year. I am currently looking for a high deductible policy and am finding about the same thing. I can get a policy with a $5,000 per person deductible for about $211 per month for a couple over 50 years old. I don't remember the exact figures but I do remember that it was less than 2 years payback if I didn't use any of the deductible. The point being is that I buy insurance to cover the BIG expenses not the normal doctor visits. There is however one big advantage to having insurance and that is you get the insurance company's price on anything you buy. I remember that I had some lab work done a couple of years ago and they wanted to charge me about $250. After the insurance company discount the price was about $80. The upshot for me is thats I insure for the really big expenses that would bankrupt me and pay for the normal stuff out of pocket. Just some things that I have found in looking for coverage.
  • Josh_10
    Josh_10 Member Posts: 786


    Can I just say that I am absolutly blown away at employer cost for health care insurance? I thought that the $400.00 a month that I payed for myself and my wife and child with my old employer were absolutly unreachable.

    We actually tallied it up one year and our medical expenses were $100.00 more than our mortgage and we didn't ever really visit the doctor. We were afraid to because we were already shelling out more money than we had for health insurance.

    It is OUT OF CONTROL in this country. It is considered malpractice if a doctor prescribes exercise instead of a pill! These pill corporations are like todays big tobacco. Untouchable!
  • Brad White_9
    Brad White_9 Member Posts: 2,440
    On a related matter of pills and drugs in general

    (Forgive me if you hear Andy Rooney's voice, this is mine at the moment)

    Did you ever hear of ADHD before television? I did not.

    Did you ever hear of ADHD as a crisis before they had a medicine to "treat" it? Me neither.

    Same for any number of syndromes and ailments. Yes there are some legitimate ones. But what galls me is the incentive for MD's to prescribe drugs, another topic.

    And one thing that is guaranteed to raise the cost of health care for all is the sudden acceptance of a "syndrome" which becomes eligible for "third party billing". Just mark my words...
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