Health Insurance for US webmasters - Do you need it? - GoFuckYourself.com

BigCashCrew · 11-01-2006, 04:06 PM

We are curious how many US based webmasters currently have health insurance. If you do not have it would you be be interested?

Discuss.

$5 submissions · 11-01-2006, 04:08 PM

ARS ran a similar survey around 3 to 4 years ago. Massive response in the AFFIRMATIVE. I'm based in the Philippines now but my health insurance is US-based. Health insurance is extremely important (given the recent rising rate trend).

After Shock Media · 11-01-2006, 04:10 PM

Would not qualify if it happened. Not a chance in hell it would cover anything with me.

BigCashCrew · 11-01-2006, 04:39 PM

Keep your posts up. Tell me if you have it or not.

TheSenator · 11-01-2006, 04:52 PM

Yeah, and it is not getting any cheaper for a family of five.

The risk of not having health insurance would be catastrophic to my entire family.

$5 submissions · 11-01-2006, 04:54 PM

Quote:

Originally Posted by TheSenator

The risk of not having health insurance would be catastrophic to my entire family.

I concur.

BigCashCrew · 11-01-2006, 05:15 PM

Yes, that would be very bad.

pr0 · 11-01-2006, 05:30 PM

how many sales a day u want to cover me, u got em

eZe · 11-01-2006, 06:07 PM

I have insurance but it is expensive and not very good. I would love a group plan.

Kimo · 11-01-2006, 06:28 PM

insurance is hella expensive, mine is discounted for 2 more years, and then i am fucked

Barefootsies · 11-01-2006, 07:35 PM

Quote:

Originally Posted by $5 submissions

ARS ran a similar survey around 3 to 4 years ago. Massive response in the AFFIRMATIVE. I'm based in the Philippines now but my health insurance is US-based. Health insurance is extremely important (given the recent rising rate trend).

I was also asked a week or two ago. Almost everyone who responded had health insurance.

Mr Yazt · 11-01-2006, 07:42 PM

Speaking as someone who recently had cancer health insurance is a big deal. Had I not had excelent coverage treatment would have been in the 100,000$ range.

pigman · 11-01-2006, 07:55 PM

Its a must, you never know what will happen.

TheSenator · 11-01-2006, 08:00 PM

A group plan for webmaster would be excellent. We should be able to get better rates.

BigCashCrew · 11-01-2006, 10:00 PM

Senator,
If we can get lots of webmasters who need health insurance it would be great.

marketsmart · 11-01-2006, 10:03 PM

Quote:

Originally Posted by Kimo

insurance is hella expensive, mine is discounted for 2 more years, and then i am fucked

move to canada?

CC · 11-01-2006, 10:11 PM

I am astounded at the percentage of people without health insurance.

BigCashCrew · 11-01-2006, 10:13 PM

Quote:

Originally Posted by CC

I am astounded at the percentage of people without health insurance.

they may not be for long ;)

BigCashCrew · 11-01-2006, 10:25 PM

I'm going to bed. Please keep responding and use the poll.

BigCashCrew · 11-02-2006, 08:53 AM

29 people so far. keep it up.

CaptainHowdy · 11-02-2006, 08:59 AM

Move to Argentina, you'll have great health insurance absolutely cheap...

BigCashCrew · 11-02-2006, 09:24 AM

Quote:

Originally Posted by CaptainHowdy

Move to Argentina, you'll have great health insurance absolutely cheap...

That would be nice, however it's not that easy for most people to relocate.

Barefootsies · 11-02-2006, 09:31 AM

Quote:

Originally Posted by BigCashCrew

That would be nice, however it's not that easy for most people to relocate.

Right. Plus who wants 3rd world healthcare?

spazlabz · 11-02-2006, 09:59 AM

this would be a massive and I hate to say it... almost impossible challenge. Health insurance is state to state and each state has differing laws and regulations. I think it could be done under one corporation that covered all 50 of the US States and its territories but it would not be a simple matter.

as far as interested goes... Hell yes I am interested if the plan is good. I can get an over priced, high deductible policy that I cant afford myself

spaz

lagwagon · 11-02-2006, 10:02 AM

Hell Yes You Need Health Insurance Period!

Raven · 11-02-2006, 10:10 AM

when we didn't have health insurance, it was scary...
not on a daily basis, but you never know when you're going to need it.

now that we do have it....i remember what a secure feeling it is, just in case.

Forest · 11-02-2006, 10:12 AM

I have insurancve but it costs me 455.00 a month

thats just crazy

BigCashCrew · 11-02-2006, 01:17 PM

Quote:

Originally Posted by spazlabz

this would be a massive and I hate to say it... almost impossible challenge. Health insurance is state to state and each state has differing laws and regulations. I think it could be done under one corporation that covered all 50 of the US States and its territories but it would not be a simple matter.

as far as interested goes... Hell yes I am interested if the plan is good. I can get an over priced, high deductible policy that I cant afford myself

spaz

We spoke with a benefits specialist and there are national health care providers available. Please ICQ me so I can have you on my list.

BigCashCrew · 11-02-2006, 01:24 PM

Quote:

Originally Posted by spazlabz

this would be a massive and I hate to say it... almost impossible challenge. Health insurance is state to state and each state has differing laws and regulations. I think it could be done under one corporation that covered all 50 of the US States and its territories but it would not be a simple matter.

as far as interested goes... Hell yes I am interested if the plan is good. I can get an over priced, high deductible policy that I cant afford myself

spaz

We spoke with a benefits specialist and there are national health care providers available. Please ICQ me so I can have you on my list.

BigCashCrew · 11-02-2006, 01:30 PM

Quote:

Originally Posted by spazlabz

this would be a massive and I hate to say it... almost impossible challenge. Health insurance is state to state and each state has differing laws and regulations. I think it could be done under one corporation that covered all 50 of the US States and its territories but it would not be a simple matter.

as far as interested goes... Hell yes I am interested if the plan is good. I can get an over priced, high deductible policy that I cant afford myself

spaz

We spoke with a benefits specialist and there are national health care providers available. Please ICQ me so I can have you on my list.

Slick · 11-02-2006, 01:31 PM

Roughly, how much does health insurance cost for say a family of 5, me, my wife, and 3 kids ??

I always thought that decent insurance would be in the $1,000 range, so I stayed away from it because I figure that if it'd cost me $12,000 a year for insurance, I'd be better off just paying the couple of office visits that happen in the year's time.

We're still on the younger side, 32, but I'd like to dig into some because we're only getting older and that's when stuff starts happening.

CC · 11-02-2006, 01:37 PM

Quote:

Originally Posted by Slick

Roughly, how much does health insurance cost for say a family of 5, me, my wife, and 3 kids ??

I always thought that decent insurance would be in the $1,000 range, so I stayed away from it because I figure that if it'd cost me $12,000 a year for insurance, I'd be better off just paying the couple of office visits that happen in the year's time.

We're still on the younger side, 32, but I'd like to dig into some because we're only getting older and that's when stuff starts happening.

Yeah, but what if someone needs a major surgery????? It could be a WHOLE lot more than $12,000.

Slick · 11-02-2006, 01:43 PM

Quote:

Originally Posted by CC

Yeah, but what if someone needs a major surgery????? It could be a WHOLE lot more than $12,000.

Yeah, that's true. I look at it this way though, I've been doing this full time for 6 years now without insurance, so 6 x $12,000 = $72,000 that I saved. In another couple of years, I'd have saved enough for heart bypass surgery, ha ha ha.

eZe · 11-02-2006, 01:53 PM

Quote:

Originally Posted by Slick

Yeah, that's true. I look at it this way though, I've been doing this full time for 6 years now without insurance, so 6 x $12,000 = $72,000 that I saved. In another couple of years, I'd have saved enough for heart bypass surgery, ha ha ha.

Yeah but the question is do you have $72,000 in the bank account to pay for the bypass?

Here is the thing about not being insured, you pay the sticker price of medical care. If you have insurance, they negotiate down what you pay. For example, a $150 visit may only cost $100, even if you are still in your deductable. Now imagine if that was $150,000 bypass.

The question about premiums depends on the size of the group and the demographics. Please visit this post http://www.gofuckyourself.com/showthread.php?t=673116 about the group.

BigCashCrew · 11-02-2006, 08:08 PM

anyone else not post on the poll yet?

anne · 11-03-2006, 12:31 AM

Quote:

Originally Posted by BigCashCrew

they may not be for long ;)

Yea scary. Insurance is so important especailly when you have kids.

EvilFubAr · 11-03-2006, 12:36 AM

Quote:

Originally Posted by $5 submissions

ARS ran a similar survey around 3 to 4 years ago. Massive response in the AFFIRMATIVE. I'm based in the Philippines now but my health insurance is US-based. Health insurance is extremely important (given the recent rising rate trend).

We DO offer health insurance to US webmasters.

www.adultrevenueservice.com

V_RocKs · 11-03-2006, 12:40 AM

I have two plans.. Just in case.

hydro · 11-03-2006, 12:45 AM

fuck adult, time to start an insurance company.

BigCashCrew · 11-03-2006, 01:39 AM

who else?

studiocritic · 11-03-2006, 02:27 AM

Quote:

Originally Posted by EvilFubAr

We DO offer health insurance to US webmasters.

www.adultrevenueservice.com

I carry my own group plan, but that is an awesome offer for all these people without insurance.

I can't understand how some of these people here can claim to make six, seven figures per year.. but don't carry basic necessities like health insurance.

DebsDeep · 11-03-2006, 05:08 AM

Yes I AM interested definetly

DebsDeep · 11-03-2006, 05:14 AM

keep me posted

bopha · 11-03-2006, 06:03 AM

We self pay insurance since it's rare that companies offer it any longer. More people are without it than ever. Our insurance no longer covers 'well checkups or immunizations'. Do we have shitty insurance from Geiko? No... we pay huge money for Blue Cross Blue Shield. Our doctor told us that she doesn't even take her kids to the pediatrician unless they are really really sick. Each year, coverage is less and less and rates go up and up. The US is in a health care crisis. Saving your premium sounds like a good idea in case of emergency, but in our area.. you can't get seen at a doctor unless you are covered. If you are self pay at the ER, you will be sent home earlier. Tylenols are 100 dollars each in the hospital. Bring your own. My son had pneumonia and 4 days in Children's Hospital was $35,000.
Do we need insurance in our industry.. yes and it needs to be good quality so you can see a decent doctor.

NinjaSteve · 11-03-2006, 07:34 AM

yup. im interested

kilotoons · 11-03-2006, 07:43 AM

I finally have some health insurance now and it's nice to have. Sort of expensive but worth it. That secure feeling, like Raven said, is worth the money.

milkit · 11-03-2006, 07:48 AM

I need it

Honez · 11-03-2006, 07:51 AM

We got our health insurance through the NASE (National Association for the Self-Employed)

sperbonzo · 11-03-2006, 08:45 AM

My insurance is $145 per month. You have to really shop around.

Having said that, I lived in the UK for 4 years under national health care, and I'll take the US system ANYTIME.

.

BigCashCrew · 11-03-2006, 10:15 AM

Quote:

Originally Posted by Honez

We got our health insurance through the NASE (National Association for the Self-Employed)

I'd like to set something up something similar, but only for us webmasters

View Poll Results: Do you have health insurance?
Yes, I have it.	34	48.57%
No, I do not have it. However I would be interested.	36	51.43%
Voters: 70. You may not vote on this poll

11-01-2006, 04:06 PM	#1
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	Health Insurance for US webmasters - Do you need it? We are curious how many US based webmasters currently have health insurance. If you do not have it would you be be interested? Discuss.

11-01-2006, 04:08 PM	#2
$5 submissions I help you SUCCEED Industry Role: Join Date: Nov 2003 Location: The Pearl of the Orient Seas Posts: 32,195	ARS ran a similar survey around 3 to 4 years ago. Massive response in the AFFIRMATIVE. I'm based in the Philippines now but my health insurance is US-based. Health insurance is extremely important (given the recent rising rate trend). __________________ Need a NON-ADULT income stream? We build your YOUTUBE CHANNEL for only $20 per video! For Hire: $3/hour or $400 per month Marketing Specialist Virtual Assistants

11-01-2006, 04:10 PM	#3
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Would not qualify if it happened. Not a chance in hell it would cover anything with me. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

11-01-2006, 04:52 PM	#5
TheSenator Too lazy to set a custom title Industry Role: Join Date: Feb 2003 Location: NJ Posts: 13,337	Yeah, and it is not getting any cheaper for a family of five. The risk of not having health insurance would be catastrophic to my entire family. __________________ ISeekGirls.com since 2005

11-01-2006, 04:39 PM	#4
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	Keep your posts up. Tell me if you have it or not.

11-01-2006, 05:15 PM	#7
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	Yes, that would be very bad.

11-01-2006, 05:30 PM	#8
pr0 rockin tha trailerpark Industry Role: Join Date: May 2001 Location: ~Coastal~ Posts: 23,088	how many sales a day u want to cover me, u got em __________________ __________ Loadedca$h - get sum! - Revengebucks - mmm rebills! - webair (gotz sErVrz)

11-01-2006, 06:07 PM	#9
eZe Confirmed User Join Date: May 2003 Posts: 360	I have insurance but it is expensive and not very good. I would love a group plan.

11-01-2006, 06:28 PM	#10
Kimo ... Join Date: Jan 2006 Location: Maryland ICQ:87038677 Posts: 11,542	insurance is hella expensive, mine is discounted for 2 more years, and then i am fucked __________________ ...

11-01-2006, 07:42 PM	#12
Mr Yazt Confirmed User Join Date: Oct 2006 Posts: 123	Speaking as someone who recently had cancer health insurance is a big deal. Had I not had excelent coverage treatment would have been in the 100,000$ range.

11-01-2006, 07:55 PM	#13
pigman Confirmed User Join Date: Aug 2006 Posts: 760	Its a must, you never know what will happen.

11-01-2006, 08:00 PM	#14
TheSenator Too lazy to set a custom title Industry Role: Join Date: Feb 2003 Location: NJ Posts: 13,337	A group plan for webmaster would be excellent. We should be able to get better rates. __________________ ISeekGirls.com since 2005

11-01-2006, 10:00 PM	#15
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	Senator, If we can get lots of webmasters who need health insurance it would be great.

11-01-2006, 10:11 PM	#17
CC Confirmed User Join Date: Feb 2001 Posts: 1,690	I am astounded at the percentage of people without health insurance.

11-01-2006, 10:25 PM	#19
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	I'm going to bed. Please keep responding and use the poll.

11-02-2006, 08:53 AM	#20
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	29 people so far. keep it up.

11-02-2006, 08:59 AM	#21
CaptainHowdy Too lazy to set a custom title Industry Role: Join Date: Dec 2004 Location: Happy in the dark. Posts: 93,811	Move to Argentina, you'll have great health insurance absolutely cheap... __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc.

11-02-2006, 09:59 AM	#24
spazlabz Confirmed User Industry Role: Join Date: Jul 2003 Location: Kentucky Posts: 6,548	this would be a massive and I hate to say it... almost impossible challenge. Health insurance is state to state and each state has differing laws and regulations. I think it could be done under one corporation that covered all 50 of the US States and its territories but it would not be a simple matter. as far as interested goes... Hell yes I am interested if the plan is good. I can get an over priced, high deductible policy that I cant afford myself spaz

11-02-2006, 10:02 AM	#25
lagwagon Confirmed User Join Date: Jul 2001 Location: az Posts: 8,464	Hell Yes You Need Health Insurance Period! __________________ FTVGirls - FTVMilfs - DanielleFTV

11-02-2006, 10:10 AM	#26
Raven Confirmed User Industry Role: Join Date: Jul 2001 Posts: 6,874	when we didn't have health insurance, it was scary... not on a daily basis, but you never know when you're going to need it. now that we do have it....i remember what a secure feeling it is, just in case. __________________ Raven ~RETIRED~

11-02-2006, 10:12 AM	#27
Forest Confirmed User Industry Role: Join Date: Aug 2001 Location: Hollywood Fl. Posts: 9,017	I have insurancve but it costs me 455.00 a month thats just crazy

11-02-2006, 01:31 PM	#31
Slick Confirmed User Industry Role: Join Date: Feb 2001 Location: Houghton, MI Posts: 7,338	Roughly, how much does health insurance cost for say a family of 5, me, my wife, and 3 kids ?? I always thought that decent insurance would be in the $1,000 range, so I stayed away from it because I figure that if it'd cost me $12,000 a year for insurance, I'd be better off just paying the couple of office visits that happen in the year's time. We're still on the younger side, 32, but I'd like to dig into some because we're only getting older and that's when stuff starts happening.

11-02-2006, 08:08 PM	#35
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	anyone else not post on the poll yet?

11-03-2006, 12:40 AM	#38
V_RocKs Damn Right I Kiss Ass! Industry Role: Join Date: Dec 2003 Location: Cowtown, USA Posts: 32,422	I have two plans.. Just in case.

11-03-2006, 12:45 AM	#39
hydro Confirmed User Join Date: Dec 2003 Location: Dirty 3rd Posts: 4,216	fuck adult, time to start an insurance company.

11-03-2006, 01:39 AM	#40
BigCashCrew Registered User Join Date: Aug 2005 Posts: 3,570	who else?

11-03-2006, 05:08 AM	#42
DebsDeep Confirmed User Industry Role: Join Date: Feb 2003 Posts: 2,649	Yes I AM interested definetly __________________ http://www.gothamscreenprinting.com Cheapest T's Online. $5 tshirts printed, no minimums, no fees of anykind!!!!

11-03-2006, 05:14 AM	#43
DebsDeep Confirmed User Industry Role: Join Date: Feb 2003 Posts: 2,649	keep me posted __________________ http://www.gothamscreenprinting.com Cheapest T's Online. $5 tshirts printed, no minimums, no fees of anykind!!!!

11-03-2006, 06:03 AM	#44
bopha Confirmed User Join Date: Sep 2002 Posts: 1,882	We self pay insurance since it's rare that companies offer it any longer. More people are without it than ever. Our insurance no longer covers 'well checkups or immunizations'. Do we have shitty insurance from Geiko? No... we pay huge money for Blue Cross Blue Shield. Our doctor told us that she doesn't even take her kids to the pediatrician unless they are really really sick. Each year, coverage is less and less and rates go up and up. The US is in a health care crisis. Saving your premium sounds like a good idea in case of emergency, but in our area.. you can't get seen at a doctor unless you are covered. If you are self pay at the ER, you will be sent home earlier. Tylenols are 100 dollars each in the hospital. Bring your own. My son had pneumonia and 4 days in Children's Hospital was $35,000. Do we need insurance in our industry.. yes and it needs to be good quality so you can see a decent doctor.

11-03-2006, 07:34 AM	#45
NinjaSteve Too lazy to set a custom title Industry Role: Join Date: Dec 2003 Posts: 11,089	yup. im interested __________________ ...

11-03-2006, 07:43 AM	#46
kilotoons Confirmed User Join Date: Apr 2006 Location: Look for me where it's hot and sunny Posts: 519	I finally have some health insurance now and it's nice to have. Sort of expensive but worth it. That secure feeling, like Raven said, is worth the money. __________________ Knowledge is Power Ask Me How To make money

11-03-2006, 07:48 AM	#47
milkit Confirmed User Industry Role: Join Date: Jul 2004 Posts: 1,141	I need it

11-03-2006, 07:51 AM	#48
Honez Confirmed Brat Industry Role: Join Date: Apr 2003 Location: Colorado Springs, CO Posts: 6,636	We got our health insurance through the NASE (National Association for the Self-Employed) __________________ Your Paysite Partner Hone at YourPaysitePartner dot Com Skype - Stressmonkey

11-03-2006, 08:45 AM	#49
sperbonzo I'd rather be on my boat. Industry Role: Join Date: May 2003 Location: Miami, FL Posts: 9,748	My insurance is $145 per month. You have to really shop around. Having said that, I lived in the UK for 4 years under national health care, and I'll take the US system ANYTIME. . __________________ Michael Sperber / Acella Financial LLC/ Online Payment Processing [email protected] / http://Acellafinancial.com/ ICQ 177961090 / Tel +1 909 NET BILL / Skype msperber