Billiumss Posted August 20, 2009 Report Share Posted August 20, 2009 (edited) Hey guys, I'm losing my health insurance at the end of this month and would like to have something in place until we get back on our feet again. We are looking for a plan (husband and wife) and something that covers the big stuff, major illness, major accident, etc ($2500-5,000 deductible). As we would like to have regular insurance, the monthly premiums would be higher than my mortgage. We just want it in case something major happens to us and we won't lose everything. (house, cars, IRA, etc) Do you guys know of any good companies that could help and doesn't cost an arm and a leg? Website and/or phone numbers please!!! Thanks, Bill Edited August 22, 2009 by Billiumss Quote Link to comment Share on other sites More sharing options...
Pedro1647545510 Posted August 20, 2009 Report Share Posted August 20, 2009 I used http://www.ehealthinsurance.com/ back in 2006 when I needed short term coverage for a 90 days before my new health plan kicked in. The prices were pretty reasonable for coverage for just me. Quote Link to comment Share on other sites More sharing options...
Bam Posted August 20, 2009 Report Share Posted August 20, 2009 I dunno how it works when you're 35, but I'm 23 and pay $81/month for health/dental/vision thru anthem and i'm unemployed as well...maybe try them? Quote Link to comment Share on other sites More sharing options...
Billiumss Posted August 20, 2009 Author Report Share Posted August 20, 2009 I found this one: https://www.goldenrulehealth.com/ through ehealthinsurance. It looks like they might be a part of United Health Care which I have now. I ended up calling them and for the 2 of us for a $1000 deductable its $90 a month for 6 months worth of coverage. Its a 80/20. Better than nothing but I'm still looking. I'd like one to cover doctor visits more but I guess we will have to wing it till things get better for us. Anymore ideas or suggestions are welcome. Bill Quote Link to comment Share on other sites More sharing options...
Akula Posted August 21, 2009 Report Share Posted August 21, 2009 http://danielneary.nmfn.com/ He's my financial adviser. Ask him about it. Tell him Jason Kent, sent ya. Quote Link to comment Share on other sites More sharing options...
GRN96WS6 Posted August 21, 2009 Report Share Posted August 21, 2009 How do you loose healt ins? I thought you lose/lost it? *scratches head* Quote Link to comment Share on other sites More sharing options...
Billiumss Posted August 22, 2009 Author Report Share Posted August 22, 2009 How do you loose healt ins? I thought you lose/lost it? *scratches head* I fixed it!!! lol Quote Link to comment Share on other sites More sharing options...
wnaplay1647545503 Posted August 22, 2009 Report Share Posted August 22, 2009 Check into cobra. The rates are lower now. Quote Link to comment Share on other sites More sharing options...
Billiumss Posted August 23, 2009 Author Report Share Posted August 23, 2009 Check into cobra. The rates are lower now. LOL.... To continue my insurance under COBRA it will cost $1,200 a month, I just got the paper work the other day. Quote Link to comment Share on other sites More sharing options...
TTQ B4U Posted August 23, 2009 Report Share Posted August 23, 2009 LOL.... To continue my insurance under COBRA it will cost $1,200 a month, I just got the paper work the other day. I'm going to review mine today. Changed jobs and had to wait 90 days for benefits to kick in That leaves me exposed for 30 days. If I choose to go with Cobra, I'll have to back-pay the past two months plus the third for a grand total of nearly $3,500. No thanks. I'm likely going to sign up with one of the providers on the link listed. BC/BS and Aetna are offered so I'm good with either. I am also going to look into going with them on my own vs the benefits from my new job since the rates seem very close if not better. It's sad that the costs are skyrocketing so much. For my first couple years at Panasonic health insurance and vision coverage was FREE! Never dawned on me that I would go from paying nothing to nearly $500 mo. for health, vision and dental for my family. Crazy. Quote Link to comment Share on other sites More sharing options...
wnaplay1647545503 Posted August 23, 2009 Report Share Posted August 23, 2009 I got my cobra papers today it will be $411 for my 5 member family for medical, and $25.21 for dental. Quote Link to comment Share on other sites More sharing options...
Billiumss Posted August 25, 2009 Author Report Share Posted August 25, 2009 I got my cobra papers today it will be $411 for my 5 member family for medical, and $25.21 for dental. What are the "specs" of your plan? I'm not trying to call BS but how can a family of 4 have a monthly premium of $1200 for COBRA and then a family of 5 have a premium of less than $500? If COBRA is just a continuation of my current insurance which is $30 copay $10 generic and $25 brand named drugs and a 95/5 what is yours? Bill Quote Link to comment Share on other sites More sharing options...
iwishiwascool Posted August 25, 2009 Report Share Posted August 25, 2009 My wife used Assurant before she was my wife and after she moved here. We never had to use it but it seemed fine and was cheap. Quote Link to comment Share on other sites More sharing options...
mmrmnhrm Posted August 25, 2009 Report Share Posted August 25, 2009 The huge swings in COBRA are probably due to whether or not they qualify for the federal subsidy... if you do, it should be comparable to other plans already mentioned. If you don't, then yeah, you're gonna for it. Quote Link to comment Share on other sites More sharing options...
Billiumss Posted August 26, 2009 Author Report Share Posted August 26, 2009 If you don't, then yeah, you're gonna for it. lol Quote Link to comment Share on other sites More sharing options...
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