Webmasters insurance....do you guys have any medical insurance? - GoFuckYourself.com

69er · 04-30-2001, 02:12 PM

since I quit my job a few years ago and became a webmaster I have no medical insurance, I was wondering where do self employed people get insurance that doesn't cost an arm and a leg? How many of you that are a webmaster full time even have insurance?

The older i get the more i need it

[This message has been edited by 69er (edited 04-30-2001).]

Gemini · 04-30-2001, 02:30 PM

I have it thru some freelance work. Better than most places give. lol

But there are groups all over the country of self employed people that band together to get it at a more reasonable rate. Look in the want ads and such. They advertise to attract more people. You might also check with self employed carpenters and others in work fields that really need to carry it.

If you have one of those HELP lines in your area, they may know as well, county mental health, doctors, lots of sources to track those groups down. When they first started here about 15 yrs ago they tacked signs on phone poles.

You sometimes can even do better than a small business employee on the rates! Good luck!

AC – Infinity · 04-30-2001, 02:35 PM

best bet is to set up a "company". It's supercheap to do, and there are alot of advantages. You can pick up a better deal on insurance, AND you can put yourself on payroll for the 'company' so you can get some tax advantages. Pay yourself say 500 a week, let the rest sit in the "company" account and enjoy the benefits

AC – Infinity · 04-30-2001, 02:38 PM

send over an e-mail to [email protected] he's my account manager and a long time family friend, set up everything for us including insurance. he can give you a basic rundown on how to do it, just tell 'em ace sent ya

ldinternet · 04-30-2001, 05:09 PM

Us Brits have the NHS.

If you need a heart transfer, brain op, amputation... it can all be done on the NHS.

Although I'm not so keen on their medievil practices, and huge fuck off waiting list. Every month or two it's on the news - some guy, 75, 80, 85 years old or whatever has been waiting 5 years for a hip replacement. Nasty.

I'm looking at getting some private healthcare, BUPA for example. I haven't really thought about it... it's on my "to do" list.

Gemini · 04-30-2001, 05:26 PM

ace0r, making yourself a company doesn't give you diddly. lol We're incorporated and we get no breaks, nor did we or me and my ex as a co or inc. It's numbers that give the breaks

Those groups of self employed get some very good rates, Some in the larger cities have thousands of 'members'.

And there is no problems that we have heard of about them. The field I work in, believe me, I would have heard of any rumbles. <G> I do human services/rights for a national VERY large union

I have to go in several times of year for new and improved training and part of it is sitting and reading this sort of thing as well as statistics on things that would bore ya to tears. (I often fall asleep with my head on my hand) but they have this mean guy with a cattle prod.....

Can we say pilot strike?

drunkenasshole · 04-30-2001, 06:40 PM

actually gem having a co. does more than 'diddly' maybe you should 1) do some homework on it 2)check with the 'hubby' or 3) get somebody else to maintain your accounting.

Tanker · 04-30-2001, 08:19 PM

My wife worked in a doctors office that had 8 employees and they could not get a discount because there were not enough Employees We were actually able to get insurance cheaper on our own than had we gone through the company

Tanker

04-30-2001, 02:12 PM	#1
69er Registered User Join Date: Apr 2001 Posts: 1	Webmasters insurance....do you guys have any medical insurance? since I quit my job a few years ago and became a webmaster I have no medical insurance, I was wondering where do self employed people get insurance that doesn't cost an arm and a leg? How many of you that are a webmaster full time even have insurance? The older i get the more i need it [This message has been edited by 69er (edited 04-30-2001).]

04-30-2001, 02:30 PM	#2
Gemini Confirmed User Join Date: Jan 2001 Location: o-HI-o Posts: 7,183	I have it thru some freelance work. Better than most places give. lol But there are groups all over the country of self employed people that band together to get it at a more reasonable rate. Look in the want ads and such. They advertise to attract more people. You might also check with self employed carpenters and others in work fields that really need to carry it. If you have one of those HELP lines in your area, they may know as well, county mental health, doctors, lots of sources to track those groups down. When they first started here about 15 yrs ago they tacked signs on phone poles. You sometimes can even do better than a small business employee on the rates! Good luck!

04-30-2001, 02:35 PM	#3
AC – Infinity Confirmed User Join Date: Apr 2001 Location: Chicago Posts: 98	best bet is to set up a "company". It's supercheap to do, and there are alot of advantages. You can pick up a better deal on insurance, AND you can put yourself on payroll for the 'company' so you can get some tax advantages. Pay yourself say 500 a week, let the rest sit in the "company" account and enjoy the benefits

04-30-2001, 02:38 PM	#4
AC – Infinity Confirmed User Join Date: Apr 2001 Location: Chicago Posts: 98	send over an e-mail to [email protected] he's my account manager and a long time family friend, set up everything for us including insurance. he can give you a basic rundown on how to do it, just tell 'em ace sent ya

04-30-2001, 05:09 PM	#5
ldinternet Confirmed User Join Date: Apr 2001 Posts: 8,245	Us Brits have the NHS. If you need a heart transfer, brain op, amputation... it can all be done on the NHS. Although I'm not so keen on their medievil practices, and huge fuck off waiting list. Every month or two it's on the news - some guy, 75, 80, 85 years old or whatever has been waiting 5 years for a hip replacement. Nasty. I'm looking at getting some private healthcare, BUPA for example. I haven't really thought about it... it's on my "to do" list.

04-30-2001, 05:26 PM	#6
Gemini Confirmed User Join Date: Jan 2001 Location: o-HI-o Posts: 7,183	ace0r, making yourself a company doesn't give you diddly. lol We're incorporated and we get no breaks, nor did we or me and my ex as a co or inc. It's numbers that give the breaks Those groups of self employed get some very good rates, Some in the larger cities have thousands of 'members'. And there is no problems that we have heard of about them. The field I work in, believe me, I would have heard of any rumbles. <G> I do human services/rights for a national VERY large union I have to go in several times of year for new and improved training and part of it is sitting and reading this sort of thing as well as statistics on things that would bore ya to tears. (I often fall asleep with my head on my hand) but they have this mean guy with a cattle prod..... Can we say pilot strike?

04-30-2001, 06:40 PM	#7
drunkenasshole Banned Join Date: Feb 2001 Location: between buttcheeeks Posts: 33	actually gem having a co. does more than 'diddly' maybe you should 1) do some homework on it 2)check with the 'hubby' or 3) get somebody else to maintain your accounting.

04-30-2001, 08:19 PM	#8
Tanker Confirmed User Industry Role: Join Date: Nov 2000 Location: Oakville, Ontario, Canada Posts: 9,287	My wife worked in a doctors office that had 8 employees and they could not get a discount because there were not enough Employees We were actually able to get insurance cheaper on our own than had we gone through the company Tanker