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Anyone buy their own medical coverage?

Discussion in 'The Lounge' started by AJMBLAZER, Mar 29, 2002.

  1. AJMBLAZER

    AJMBLAZER Better to be lucky than good. Premium Member

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    Just got a new job. 10 mile drive instead of a 25 mile drive and $2.50 an hour more./forums/images/icons/cool.gif Easy enough work, and something I'm actually interested in too. Only problem is it's a small operation, so the boss can't afford to get us medical coverage yet. So I need to buy it. I just got out of the Marines 6 months ago and the job since then had benefits, so I'm kinda at a loss./forums/images/icons/tongue.gif

    Anybody got any experience buying your own medical coverage/insurance?

    I'm a 23 year old male non smoker in good shape in Michigan. What's to much $$$ wise, and what are good coverages?
     
  2. shaggyk5

    shaggyk5 1/2 ton status

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    i cant give you a good ## on what you should be paying, but i had to pay for like 6 months when i was not in school and not covered by my job. friggin expensive. i think i paid like 350 a month or so if i remember correctly. but that was for full med/dental/perscription, etc......
     
  3. laketex

    laketex 3/4 ton status

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    I've got Blue Cross/Blue Shield. Was paying $80/mo. But they just raised the rates to $116/month. And that's still cheaper than it would be to be on my wife's account at her work. I've got $20 copay on medicine, $20 for doctors visits. And I think a $800 deductible on the big stuff. HTH

    Bryan
     
  4. thatK30guy

    thatK30guy 1 ton status Premium Member

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    My wife has her insurance thru work. With the baby and me added to hers, the rates per month are too outrageous.

    So, we shopped around and found an insurance company in Omaha, Nebraska named Continental General Insurance and got on with them. This is for the baby and me only.

    Our coverage is like this:

    $250 deductible, per person.
    $15 co-pay.
    80-20 coverage. (80% paid by ins. co. - 20% paid by me after $250 deductible has been met)

    I pay $160 per month for the baby and me. Not too bad, but...(it could be better!) /forums/images/icons/tongue.gif
     
  5. ChevyCaGal

    ChevyCaGal 3/4 ton status

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    Yeah I was paying for mine since I was 22 until the start of this month. I was paying $140 (was $120 for part of that time) a month for Kaiser. I had medical, vision and dental (Kaiser had a list of providers for the dental since they don't do it). My visits and prescripts were $15 each... kinda sucked to have to kiss that cash goodbye. Now I have been hired on as more then a sub I got benefits and they pay for em! I am happy I save some money now which I can use to buy something else! /forums/images/icons/smile.gif
     
  6. solowookie

    solowookie 1/2 ton status

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    hey Wes you got #'s for that place?
     
  7. thatK30guy

    thatK30guy 1 ton status Premium Member

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    Jeff, here is the full info:

    Continental General Insurance Company
    8901 Indian Hills Drive
    PO Box 247007
    Omaha, NE 68124-7007

    Phone number is: (402) 397-3200

    They have a website, too. Check out ceresgroupinc.com.
     
  8. mike reeh

    mike reeh 1/2 ton status

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    a few years ago I was $90K in debt from medical bills.. I was like 20 years old, worked construction (read: no insurance) and got in a bad accident in my K10. Unfortunately the K10 didnt make it thru surgery but I did /forums/images/icons/smile.gif anyhoo after that little experience I decided that if something like this happens again, I will be screwed for life, financially. Luckily Chapter 7 came to my rescue that time. Soo I went shopping at <a target="_blank" href=http://www.ehealthinsurance.com>http://www.ehealthinsurance.com</a> and found the best plan to suit me.. I got a fairly basic plan, as I didnt see it necessary to pay hundreds per month for something that I would rarely if ever use. I cant remember the last time I went to the doctor but I know the one time I might go in the next ten years it will be cheaper than the hundreds per month I would have to pay for top coverage. Thats just my situation, I know a lot of you guys especially with kids, need the expen$ive stuff. What Im getting at is check out that link, it will give you side by side comparisons, explain all the different terms (hmo, ppo, etc) ... and it will make it real easy to sign up..

    man the one thing lacking in this country the medical/health system.. What a joke, but thats another topic. Sometimes I think the kanadians have it so well /forums/images/icons/smile.gif

    mike
     
  9. thatK30guy

    thatK30guy 1 ton status Premium Member

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    If the Canadians have it so well with health coverage, why can't we buy insurance from an agency in Canada then? /forums/images/icons/wink.gif
     
  10. AJMBLAZER

    AJMBLAZER Better to be lucky than good. Premium Member

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    The problem with the Canadian system (and the Australian, New Zealand, British, or any other social health care system) is that if you can't afford to pay for it directly, you go on a waiting list. If it's super important like your apendix or something, you'll get it right away, for FREE. However, if it's something slow, like cancer, you'll go on a waiting list until they can get to you. I had an ex gf from New Zealand who's Grandma died from breast cancer after over a year and a half on the waiting list./forums/images/icons/frown.gif Yeah, it's free, but it's a socialist system. Didn't work that great for the Soviets, did it?/forums/images/icons/wink.gif

    Thanks for the help everyone. I'll check those out and look around some more. Keep it coming./forums/images/icons/smile.gif

    solowookie, being a big Star Wars fan, I just gotta ask what's with the name and the pic?/forums/images/icons/cool.gif
     
  11. solowookie

    solowookie 1/2 ton status

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    hey thanks for the info...
     

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