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O/T health insurance

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strawbale

01-27-2008 19:49:57




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I am wanting to open my own machine shop just (me for employees) and i have a auction company that i am just starting to get going ok. They do not offer health insurance thropugh my wifes job, and she has a good job at the local not for profit hospice. So she is not going to change jobs. what do all the rest of you do for health insurance. some of them that i checked into wont cover any pre existing conditions, and another is $1000.00 month, and we are only 35 and 36 years old. just wanted to see what the rest of you are doing.

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hayray

01-28-2008 14:50:12




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
Find a insurance salesman who specializes in selling to entrepeneuers, that is what I did. I am 40 and pay $150 a month and just have coverage for major medical, I do have a prescription drug plan if I need it. I found my guy by looking at one of those road side signs, so check around for an idependent agent. My agent finds different carriers for me based on price increases from year to year.



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trucker40

01-28-2008 15:59:30




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 Re: O/T health insurance in reply to hayray, 01-28-2008 14:50:12  
Thats not insurance.



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T_Bone

01-28-2008 14:05:11




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
Hi strawbale,
A insurrance man gave some great advice many moons ago. Insurrance is to protect assets. The more assets you have the more protection you need.

When borrowing money for any adventure, always buy disability insurrance to make the loan payments as there's more chance you'll have injury more than there is dying.

When I retired, I was offered health insurrance at $335/mth to continue my coverage. I didn't have alot of assets that I could loose. The homestead law is a wonderful tool.

We've always been pretty healthy and so has been our family members so what I did is take the $335/mth and bank it for the just incase. Were so far ahead of the game now as our medical costs are less than $1000/yr for both of us. I sure don't have to ask if I can see the Doc I want to see or get refused the medical attention I want.
But you have to use common sence too. We don't take alot of risks. We research our own medical problems before going to the doctor. I just went in to get a boil lanced on my belley and the doc wanted a CT scan before he would lance the boil as my stomach was tender. Well ya it was tender as I had a huge honking pimple 4" in diameter. It sure didn't take rocket sicence to figure that out. It poped on it's own a couple hours latter and with salt soaked compressions it's gone now.

I did raise my libility auto/property insurrance a couple years back as I now have more assets that I want protected.

T_Bone

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John17

01-28-2008 13:29:04




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
Go see a good health insurance agent, that is aware of your entire situation. Because your wife works for a non-profit, you may be eligible for some savings. HTH, JohnG



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noncompos

01-28-2008 12:32:29




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
After WWII we were the world's most successful democracy, with a dark spot: health care.
All the other industrialised countries had govt run health care, paid for by taxes; we had millions who'd gone without care thru the 30's and 40's because they simply couldn't afford it, and there was a huge pent up need.
Insurance Co accountants, and internal accountants, convinced the major industries that it'd be cheaper to pay for group plans than pay taxes to cover govt (socialised) care.
It worked well, as long as markets were protected; plenty of money was available for good wages and group policies.
With changing circumstances, including globalisation and the eroding of the social compact that executive compensation and profits should not be obscenely out of line with wages, coverage was cut and premiums raised; pre-existing conditions became a loophole.
For a while it looked like industry would opt to pay taxes for Govt care; instead most well paying jobs went overseas and many companies cut coverage.
With the insurance companies purely profit driven, they only want to insure healthy groups (the young, mostly), and the leftovers are left to fend for themselves, the result being less and less coverage for higher and higher costs.
Many people are in the same boat as Lee, with an 11K deductible-that's catatrophic incident coverage. Lou's sounds pretty good these days (almost too good!) if it's fairly broad coverage and the company is reasonably dependable.
It's no accident all the candidates have their health care plans...

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You are clueless

01-28-2008 12:37:17




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 Re: O/T health insurance in reply to noncompos, 01-28-2008 12:32:29  
"It's no accident all the candidates have their health care plans... "

Why aren't they implementing them now if they are so good?



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noncompos

01-28-2008 13:58:13




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 Re: O/T health insurance in reply to You are clueless, 01-28-2008 12:37:17  
Well, one reason could be that it takes $$$ to get elected, more every election--and it's easier to get big piles of $$$ from what're sometimes referred to as "vested interests" than from millions of individuals...political talk is cheap, but no one who wants to get elected, or re-elected, is going to step on the toes of major contributors.
Some kind of publicly financed health care will only come when enough voters are worried enough about medical access and costs to create irresistible pressure, and some other acceptable system (mandated insurance with financial controls on insurance companies, similar to Utilities, or whatever) may well be put into place before that point is reached.
Feel free to continue the conversation off-forum; my email is open. Best wishes.

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NE IA

01-28-2008 06:29:07




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
In our small town that is hard struck by our current state of affairs, healt insurance is a real issue. I'm the old dude on our local EMS, and I can tell you this. Probably 60% of the folks we load anynmore try very hard to request that we do not load them as they have no health insurance. Sad to hear "please just let me die" from some wonderful kind hard working folks, I see alot of tears in our group of volenteers eyes, including myself at times.

Then It is smeared in blood knowing that their best years gross wages is less than the CEO of the health care insurance company makes the first hour or two in the first day of the fiscal year.

You noticed all our politicians want us to have health insurance. Did you ever notice they say insurance, and not health care. Wonder who is behind this? Probably not insurance Companies. Alot of foks have insurance, but have so many riders on their policies it is worthless.

I'm self employed and single, getting old and don't care if I die. I struggled for years wondering how to pay for health insurance raises every time I turned around. It was a very high stress decision at every turn. Finaly about three years ago the Blue Cross folks took the stress out of it for me. They raised their rates so fast it was not a stress related decision. I slept good that very night as i could not afford it anymore.

I'm fortunate enough to have been a vet. Care is along ways away, but I get EXCELENT care at a price I can afford. Not perfect, but just excelent. Drugs are far less expensive because they can negociate (the VA) with drug companies. In one case a certian drug is 68% cheaper than the very same drug that medicare pays for it. (same drug same Company) go figure!

One politician spoksman also stated on a Sunday morning show that the government should simply require everone to have health insurance. That sure seemed sweet, another stated if we required every employer to provide health insurance it wouldn't cost anyone anything. Why didn't I think of that?

Many folks do not expect enough out of their insurance man, rather just keeep sending in their money. Get after them to find a better GROUP if you have no health issues.

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Not El Toro

01-28-2008 11:02:59




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 Re: O/T health insurance in reply to NE IA, 01-28-2008 06:29:07  
Maybe you are unaware that I do not allow political discussions on my forum. Do I need to tell on you?

I have a granddaughter, you know. And she does not like to see discussions about health insurance.



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Lee in Iowa

01-27-2008 20:08:15




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 Re: O/T health insurance in reply to strawbale, 01-27-2008 19:49:57  
Just got Blue Cross about $250 a month for wife and me 10 years older than you, but $11000 dedctible. Lee



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Lou

01-28-2008 10:17:32




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 Re: O/T health insurance in reply to Lee in Iowa, 01-27-2008 20:08:15  
Crazy as it sounds that price doesnt sound to bad, where Im at its $420. per month with a $2000. deductable.



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ldj

01-28-2008 07:07:41




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 Re: O/T health insurance in reply to Lee in Iowa, 01-27-2008 20:08:15  
I did not quite understand what you are saying. Do you have insurance now and are trying to get on wifes? If so, preexisting conditions don't figure in if you are changing insurers. If you don't have insurance you just need to, check exactly what is considered preexisting and for how long. Sometime they are not considered preexisting if you haven't been diagnosed with the condition. You just need to check and ask questions.

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