What are any of you independent traders doing for health insurance these days? Thanks!
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Health Insurance
- Thread starter runningman
- Start date
Cobra coverage from my last job ...
Blue Cross $286 for me $486 for the wifey....I'm open to any suggestions.
Quote from Surdo:
What state are you in?
I have a decent rate through Aetna/USHC in NY.
Group plan or individual?
Individual rates for HMO plans in New York are some of the most hideous in the country due to guaranteed coverage underwriting rules:
http://www.ins.state.ny.us/hmorates/html/hmonewyo.htm
When you get insurance, make sure to read the fine print. I thought I was very well covered and it turns out not so much. Part of the fine print was a lifetime coverage amount of $250,000 on any particular illness, and if something serious happens to you, you can go through that very quickly. I spent half of May, all of June and part of July in the hospital this year and spent nearly $400,000...so the bills can pile on very quickly. GET CATASTROPHIC COVERAGE.
Quote from erlewine:
Group plan or individual?
Individual rates for HMO plans in New York are some of the most hideous in the country due to guaranteed coverage underwriting rules:
http://www.ins.state.ny.us/hmorates/html/hmonewyo.htm
I pay 1/4 of those rates as an individual.