Health Insurance for the Self-Employed

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  • [Labret]
    Registered User
    • May 2001
    • 10945

    #1

    Health Insurance for the Self-Employed

    Anyone here have any recommendations?
  • cherrylula
    lol
    • Jan 2002
    • 15969

    #2
    ive heard blue cross/shield is good, but havent tried them personally as of yet.

    http://www.bcbs.com/

    Comment

    • sextoyking
      Confirmed User
      • Dec 2001
      • 6034

      #3
      Hi,

      What you might want to do is find the big local HMO, where you pay like $5.00 - $10.00 per visit as a co pay payment.

      Those Hmo's usually have single, family plans.

      Around here the big one is kaiser, but my company pays for that.

      I think there single plan is like 200-400 per month
      ICQ: 52344098
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      Comment

      • quiet
        we'll miss you our friend. RIP
        • Sep 2001
        • 25115

        #4
        well, since i'm Canadian, it's mostly free. but i do have blue cross as well.

        it's okay. though i'm the kind of person that has to be almost in cardiac arrest before i deal with hospitals.
        we'll miss you our friend. RIP

        Comment

        • cherrylula
          lol
          • Jan 2002
          • 15969

          #5
          kaiser sucks.

          i have a grandmother that would be dead right now had she listened to a kaiser doctor's advice, and not gotten a second opinion.

          Comment

          • Kimmykim
            bitchslapping zebras!!!!!
            • Jun 2001
            • 16015

            #6
            Don't go HMO, go PPO -- there's an association of the self employed tho I can't recall the name of it -- get a big PPO tho -- it will cost you a little bit more a month but you will have less out of pocket on disputed charges etc -- actually BCBS was among the best I've seen and at the moment I wish I'd stayed on Cobra with them from CCBill, they beat the crap out of Fortis...

            Comment

            • PersianKitty
              Meow Media Inc.
              • Jul 2001
              • 7785

              #7
              It won't help quiet in Canada I don't think.. but I have medical through..

              http://www.nase.org/

              The National Association for the Self-Employed. Just an FYI for people in the States who are looking.

              Comment

              • [Labret]
                Registered User
                • May 2001
                • 10945

                #8
                Well god damn, a helpful thread. Thanks all. I will look into them all.

                I feel like to be a real adult I should have some. A right of passage... like having a mortgage. You are not a man till you have a mortgage.

                My main fear. I dont want to get the finger wave. I dont want a finger in my ass. Im very sensitive about my anus. And these people will require a physical yeah?

                I need to be bleeding out of my eyes and rectum before I go to a doctor. NyQuil will cure everything.



                phear the Q

                Comment

                • quiet
                  we'll miss you our friend. RIP
                  • Sep 2001
                  • 25115

                  #9
                  Originally posted by [Labret]
                  Well god damn, a helpful thread. Thanks all. I will look into them all.

                  I feel like to be a real adult I should have some. A right of passage... like having a mortgage. You are not a man till you have a mortgage.

                  My main fear. I dont want to get the finger wave. I dont want a finger in my ass. Im very sensitive about my anus. And these people will require a physical yeah?

                  I need to be bleeding out of my eyes and rectum before I go to a doctor. NyQuil will cure everything.



                  phear the Q
                  hehe - so true. the Q will solve all.
                  we'll miss you our friend. RIP

                  Comment

                  • cherrylula
                    lol
                    • Jan 2002
                    • 15969

                    #10
                    dying is a helluva lot worse!!!!

                    Comment

                    • cherrylula
                      lol
                      • Jan 2002
                      • 15969

                      #11
                      but ya know what, only good people die young.

                      I think most of us are safe.

                      Comment

                      • Kimmykim
                        bitchslapping zebras!!!!!
                        • Jun 2001
                        • 16015

                        #12
                        No way, its Tussin, Robitussin. Check Chris Rock.

                        Comment

                        • Peaches
                          Old broad
                          • Oct 2002
                          • 13933

                          #13
                          Originally posted by PersianKitty
                          It won't help quiet in Canada I don't think.. but I have medical through..

                          http://www.nase.org/

                          The National Association for the Self-Employed. Just an FYI for people in the States who are looking.
                          I'd personally stay way, far away from NASE. I've yet to hear from anyone that's gotten insurance through them that's been satisfied and I've heard some horrible stories - several from my father

                          I have BCBS and have for years. I have the PPO now, but when I first started out on my own, I had the Hospital/Surgical plan - it's a lot less expensive if you're relatively healthy.

                          Comment

                          • Gary
                            Confirmed User
                            • Aug 2001
                            • 6110

                            #14
                            Just move to canada, we'll take care of all your needs from cradle to grave.

                            Up to 35$ per join...!

                            Comment

                            • theking
                              Nice Kitty
                              • Sep 2002
                              • 21053

                              #15
                              Originally posted by cherrylula
                              kaiser sucks.

                              i have a grandmother that would be dead right now had she listened to a kaiser doctor's advice, and not gotten a second opinion.
                              I know a person whose adult son was with Kaiser and he became ill. He was going back and forth to the hospital and was being treated for this and that but was progressively growing worse. He eventually sought a separate opinion and quickly learned that he had a brain tumor. He also learned that Kaiser was aware of the fact that he had a brain tumor as the new Doctor had requested all of his medical records. It was too late in the progression of the tumor for a successful surgery so the son died within a relatively short period of time, but not before he and his mother had initiated a law suit against Kaiser. It took several years but eventually the mother won her part of the suit. I have heard several similar stories about Kaiser.
                              When you're running down my country hoss...you're walking on the fighting side of me!

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                              Comment

                              • TDF
                                Triple OG nigga on GFY
                                • Mar 2002
                                • 27296

                                #16
                                Originally posted by Kimmykim
                                No way, its Tussin, Robitussin. Check Chris Rock.
                                its all aout the Tussin!
                                Sig heil

                                Comment

                                • CC
                                  Confirmed User
                                  • Feb 2001
                                  • 1690

                                  #17
                                  Here's another vote for BCBS. Very reasonable prices and good coverage.

                                  Comment

                                  • picindex
                                    Confirmed User
                                    • Oct 2002
                                    • 1038

                                    #18
                                    not sure if this is what your looking for but:

                                    http://www.ehealthinsurance.com/ehi/index.html
                                    Good Content:

                                    Comment

                                    • PersianKitty
                                      Meow Media Inc.
                                      • Jul 2001
                                      • 7785

                                      #19
                                      Originally posted by Peaches


                                      I'd personally stay way, far away from NASE. I've yet to hear from anyone that's gotten insurance through them that's been satisfied and I've heard some horrible stories - several from my father

                                      I have BCBS and have for years. I have the PPO now, but when I first started out on my own, I had the Hospital/Surgical plan - it's a lot less expensive if you're relatively healthy.
                                      For what I have with them it's worked fine. I have just a major medical plan with a prescription discount and accident coverage. Started wit them in 1997. Mainly used it for ER visits for my boys... the tend to hit the ER at least once a year...and then one day surgery for my 15 year old. I don't normally spend enough on docs in a year's time to make the cost of a full blown regular plan worth it.

                                      Comment

                                      • TFCash
                                        Confirmed User
                                        • Apr 2001
                                        • 1738

                                        #20
                                        Pretty hard to beat BCBS if you have a family. I started out with a single plan a number of years back and was paying less than $100/mn, now that we are a family of 5 our plan is like $580 but that is with dental, office visits are covered as well as all but $10 on meds. And it still has maternity coverage which if we pop for 1 final rug rat, we'll drop once we get fixed So overall I've been pleased with the coverage that we've gotten from them, and the rates have been pretty low considering that we've had 3 kids in the last 6 years and all the little bo bo's that they can get themselves into.


                                        Tim
                                        TeenFlood.com Online since 1998.

                                        TFCash KissMeGirl
                                        VirginRiches MondoBucks

                                        tim at tfcash.com or submit a ticket at our HelpDesk

                                        Comment

                                        • charlie6763
                                          Confirmed User
                                          • Nov 2001
                                          • 3056

                                          #21
                                          Originally posted by cherrylula
                                          ive heard blue cross/shield is good, but havent tried them personally as of yet.

                                          http://www.bcbs.com/
                                          Blue Cross/Blue Shield is by far the best way to go. My montly premium is $120.00 and my co-pay for persciptions/office visits is only $10.00 Been with them for a couple years and theyve been great! Check'em out!

                                          Comment

                                          • frankfortuna
                                            Confirmed User
                                            • Aug 2002
                                            • 1504

                                            #22
                                            Labret, my ex-girlfriend is in Grand Rapids and handles these types of matters. We once used BCBS through SBAM, but we converted to Humana 2 years ago and have had exellent results. I can forward her information if you'd like.

                                            Comment

                                            • playa
                                              Confirmed User
                                              • Feb 2001
                                              • 6432

                                              #23
                                              i been with kaiser for years now,, only pay like 100 a month
                                              but its only me though

                                              Comment

                                              • Brujah
                                                Beer Money Baron
                                                • Jan 2001
                                                • 22157

                                                #24
                                                You don't need Health Insurance man.. all you need is some Coral Calcium



                                                and Alex Chiu Immortality Rings.

                                                Last edited by Brujah; 11-30-2002, 10:12 AM.

                                                Comment

                                                • Snake Doctor
                                                  I'm Lenny2 Bitch
                                                  • Mar 2001
                                                  • 13449

                                                  #25
                                                  Originally posted by Kimmykim
                                                  No way, its Tussin, Robitussin. Check Chris Rock.
                                                  Yep, and when the bottle is empty, you put some water in it, shake it up, and you gots more Tussin
                                                  sig too big

                                                  Comment

                                                  • Kimmykim
                                                    bitchslapping zebras!!!!!
                                                    • Jun 2001
                                                    • 16015

                                                    #26
                                                    Originally posted by Lenny2


                                                    Yep, and when the bottle is empty, you put some water in it, shake it up, and you gots more Tussin
                                                    Broken leg? Pour some Tussin on it!

                                                    Comment

                                                    • SetTheWorldonFire
                                                      Confirmed User
                                                      • Feb 2002
                                                      • 7444

                                                      #27
                                                      just drink a 7up
                                                      www.STWOFDesign.com
                                                      hit me up on icq 154206276 or Skype: JaimeGizzle

                                                      Comment

                                                      • Wilbo
                                                        Confirmed User
                                                        • Feb 2001
                                                        • 2082

                                                        #28
                                                        I have a BCBS family plan and pay about $5k a year.

                                                        Comment

                                                        • UncleJimmy
                                                          Confirmed User
                                                          • Sep 2002
                                                          • 855

                                                          #29
                                                          Ditto to what KimmyKim said, go PPO for sure...

                                                          We went with the wife's ppo from school for a while, was good in most areas...

                                                          but we're shopping for new broader coverage now that we got the lil heathen running around...

                                                          thanks for the link PK, definitely looks worth a gander
                                                          PS: Say hi to "Ig and Lou" for me hehe
                                                          <a href="http://www.redpartners.com/?r=100278"><font size="2" face="Verdana, Arial, Helvetica, sans-serif"><img src="http://britney-spears.blewme.com/wm.gif" width="120" height="60" border="0"></font></a><font size="2" face="Verdana, Arial, Helvetica, sans-serif"> Promote the web's hottest adult personals website, <a href="http://www.redpartners.com/?r=100278" target="_blank">Red Personals</a>.</font>

                                                          Comment

                                                          • Honeyslut
                                                            Confirmed User
                                                            • Jan 2001
                                                            • 6436

                                                            #30
                                                            Originally posted by cherrylula
                                                            kaiser sucks.

                                                            i have a grandmother that would be dead right now had she listened to a kaiser doctor's advice, and not gotten a second opinion.
                                                            You are lucky.

                                                            My dad died at 43. If they had done their job right, they would have given him a bypass instead of tripling his blood pressure medicine which killed him with a few months .


                                                            Labret,

                                                            I have had Blue shield for years and have no problems with any bill not being paid etc...Heck , they even covered my tmj splint after my ex doctor's office purposely did not do the paperwork of the referral .If you have a great doctor, you should not have a problem..

                                                            95% of the doctors in Northern Cali are crappy from my experience which has nothing to do with the actual hmo..
                                                            Last edited by Honeyslut; 11-30-2002, 03:54 PM.
                                                            http://nakedlunchnews.comWhat's up ? Naked Lunch News !

                                                            Comment

                                                            • gothweb
                                                              Confirmed User
                                                              • Jun 2002
                                                              • 8849

                                                              #31
                                                              NHS, baby.

                                                              Photos by Ian X.: Distinctive photos of goth babes.
                                                              Blood Money:Your traffic, my sites, our money.
                                                              MojoHost: Still the best.

                                                              Comment

                                                              • Honeyslut
                                                                Confirmed User
                                                                • Jan 2001
                                                                • 6436

                                                                #32
                                                                Originally posted by theking


                                                                I know a person whose adult son was with Kaiser and he became ill. He was going back and forth to the hospital and was being treated for this and that but was progressively growing worse. He eventually sought a separate opinion and quickly learned that he had a brain tumor. He also learned that Kaiser was aware of the fact that he had a brain tumor as the new Doctor had requested all of his medical records. It was too late in the progression of the tumor for a successful surgery so the son died within a relatively short period of time, but not before he and his mother had initiated a law suit against Kaiser. It took several years but eventually the mother won her part of the suit. I have heard several similar stories about Kaiser.
                                                                The mother was lucky to win the suit . Kaiser is full of sneaky bastards. My mother lost her suit although she had the best attorney in town for the job ..She was fortunate enough to get a pension out of the police dept for life instead of my dad's lump sum retirement money.
                                                                Last edited by Honeyslut; 11-30-2002, 04:02 PM.
                                                                http://nakedlunchnews.comWhat's up ? Naked Lunch News !

                                                                Comment

                                                                • SleazyDream
                                                                  I'm here for SPORT
                                                                  • Jul 2001
                                                                  • 41470

                                                                  #33
                                                                  Being Canadian I don't need health insurance. Having a wife that's a school teacher means I have her group travel insurance and I don't need to even think about that!
                                                                  This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog!

                                                                  Now read without the word dog.

                                                                  Comment

                                                                  • AM Jeff
                                                                    Confirmed User
                                                                    • Aug 2002
                                                                    • 1320

                                                                    #34
                                                                    ARS offers Health insurance for their Webmasters.

                                                                    Feel the Rage Motherfucker. It's Coming Soon to a Browser near you.

                                                                    Comment

                                                                    • Deb
                                                                      Confirmed User
                                                                      • Feb 2002
                                                                      • 1237

                                                                      #35
                                                                      Originally posted by AM Jeff
                                                                      ARS offers Health insurance for their Webmasters.
                                                                      While this is true, it's not an option that I would feel comfortable in persuing for the following reasons (among others):

                                                                      1. Eligibility to participate is based on the number of sign-ups generated in the previous 4-week period. *note* health insurance "based on sign-ups" is just too risky in my opinion.

                                                                      2. Health insurance applications will be individually underwritten. ARS does not guarantee that a webmaster will qualify for health insurance coverage. Because rates vary by type of plan, state of residence, age, sex and health status, the number of sign-ups necessary for eligibility will not be the same for all webmasters.

                                                                      3. They also have a large list of "Ineligible Medical Conditions", that would prevent alot of people from being insured, I'm sure.

                                                                      4. Then, we also have the "Ineligible Occupation List" to consider.

                                                                      It seems to me that by the time you go through the "Ineligible Lists", your chances of getting insured via this route are considerably slim.

                                                                      Just some things to really think about if one is to consider this as a means of health insurance coverage.

                                                                      Comment

                                                                      • media
                                                                        Confirmed Moneymaker
                                                                        • Apr 2002
                                                                        • 9853

                                                                        #36
                                                                        Labret,

                                                                        I have Blue Cross Blue Shield,

                                                                        Its been alright so far.. I hate paying for it.. but when I decided to get stupid and put my hand through a wall and hit a stud and bustem my hand to shit they paid.. and It was deffinelty worth it.. or when you loose your job somewhere and you get a panaic attack that feels like a heart attack and you need to goto the emergency room in a hurry.. I got dental from my wifes job so that shits being pimped out now.. got some gold crowns going in this month from that..

                                                                        Media
                                                                        I'm here for the violence!

                                                                        Comment

                                                                        • TeraBabes
                                                                          Confirmed User
                                                                          • Apr 2002
                                                                          • 2067

                                                                          #37
                                                                          I have had NASE for over a year. Been fine for me so far, but I haven't really needed any major treatment. I think I will look into this in more detail and maybe see about switching to BCBS. I've never heard anything negative about BCBS.
                                                                          This place is too big.

                                                                          Comment

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