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How do you guys handle health insurance?
I've been self-employed for quite some time and today is the first time I had to go to a doctor. Needless to say I had no health insurance and got royally fucked. How do you guys do it? Are there any policies or providers that you'd suggest?
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move to canada, our government will take care of you from cradle to grave.
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Dude my only advice to you is get some!
It might be tax deductible also, depending on your tax laws. |
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I let my pornography affiliate programs handle my health plan :1orglaugh
come on I know one of you fuckers is going to half to say it |
i don't get sick. and if i do, i let the doctor take one of my organs as payment. it usually works out in my favor. :2 cents:
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I took care of mine by living in the UK. Not that the NHS is the best system to have to deal with, but frankly, it's better than a fricking HMO. Yeuch.
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All my ARS sales are really paying off. Thanks guys!
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i got to the doctor every week, because it's include in the I AM CANADIAN package, but i make sure that htey don't make money with me on my Income taxe.
So if i have a headache, ER if i feel odd, ER If i feel Down, ER so the goverment doesn't make money with me :321GFY |
Move your traffic to ars... if you need a ref id.. give me
a few minutes to sign up.. :winkwink: |
heh. "dacash's healthcare plan is sponsored by.... Molson's Canadian"
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Pretty awesome stuff for a canadian.. and you're right. |
Look in the want ads and call some doctor offices. Most areas have coalitions of self employed people that band together to get good rates on health and life insurance. :winkwink:
Its sort of like getting company coverage but naturally you have to pay the 'company half' yourself, which IS tax deductible as long as you have some form of a company and pay yourself a wage-salary from the company accounts etc. Then you usually can write off your own contribution on your personal tax forms. :thumbsup You save a good deal but it still runs more than if you worked for some other company. You can also work as a temp and get to have coverage in some cases as part time. You could call them and ask if they offer full coverage for PT workers. Work 2 days then the next week 3 days in one factory or another. Helps to get you out of the house as well. |
I'm in the us and I would advise you to get insurance. Look for providers in your local area.
This adult game has almost killed me I believe, from being stuck inside the house and neglecting my body. All sorts of health problems sprung up and I realised I was killing myself with the bad eat, exercise and sleeping habits. I finally just got insurance a couple months ago after an appeal and am still getting worked over with tests cause of some problems. I'm lucky I guess cause I already had some conditions. I would suggest you get insurance asap before something bad happens. Hospitilizations costs alone could cost a ton of money. Also my tax guy said something like 60% of the premiums for insurance are tax deductable. I'm in my 20's and got insurance at a place called kaiser for only $123 /month. I only pay a small fee per prescription and office visit. Everything else is covered. |
Kaiser will kill ya... Lost my dad at 43 cause of those bastards.
Blue shield hmo is starting to suck. Any suggestions in California ? |
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seriously, all insurance companies suck. take care of yourself and try to see them as little as possible. that should be your goal, imo, rather than finding a cheap way to see them.
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I know of one company that specializes in heath insurence for self-employed people. I don't remember the name though. they were cheap though so i will find the name.
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Socialised medicine works and should be adopted everywhere.
We have it in Australia as well and the bottom line is that everyone is guaranteed heathcare... and thats the way it should be. |
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i have health insurance through an employer, but i've used it once in two years (saw a doctor about 5 years ago before then). but i had to pay because of the deductable. and in any case, rather than me feeding in to the problem with health care (overpriced perscription drugs, true costs hidden from customers, which helps to keep the costs so high - amongst other problems) i am healthy instead. |
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But anyway, paying $100 a month is nothing compared to owing the hospitals thousands upon thousands of dollars. It might not happen to you, but then again it just might... it's a major gamble that is not needed, a gamble that could really fuck up your life. |
Salsbury is going to be the first of us to need triple bypass surgery. Hope you've been saving!:2 cents:
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Push ups in the morning, bike ride to linch, salad for lunch. Beer for dinner, haven't been to a doctor in 18 years.
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vitamin c, red meat, potatoes, and red wine
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You've gotta get yourself health insurance. If you come down with something serious you are ass fucked. You're bank account will be drained before you blink. Hospital rooms cost more than a fucking four star hotel. I've been self employed for a year now and I use Blue Cross. I've had numerous doctor's appointments to take care of various ailments and having the plan has been well worth the premiums paid. Whatever you do, don't get an HMO plan, they are cocksuckers.
Adult Revenue Service also provides health insurance. They'll actually pay your premiums if you reach a certain level of sales per month, which is pretty badass. There's probably a catch somewhere in there, but I haven't joined so I don't know what it is. Make sure you get some health insurance, because doctors and hospitals have no problem assraping you for money. You need an insurance company to take that pounding for you. Bob Chezule |
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That's why I have another job.. I'm diabetic. It'd cost about $600/mo for insurance if I bought it independently ... I tried. Otherwise I'd quit the day job.
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I have insurance now but when I didn't I went on something called free care with a major hospital. You show them your last 2 check stubs and if it's low enough they will give you free care. It's only for emergencies and prescriptions aren't covered, but thats better than nothing.
maybe a hospital in your area offers that. Or just get a job with benefits, quit after a week and go on Cobra. |
every state has negotiated rates with all the major medical providers.
you dont have to be poor to get them .. just contact the state insurance department.. Canada's health care will fuck you up.. my neighbor's kid almost died because he had medical emergency while on vacation and Canada has shitty wannabe doctors. |
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Luckily, my husband wound up changing jobs and getting better health insurance so we're covered again. The healthcare system in the US sucks. You work hard all of your life and in alot of cases, you have inadequate or no health insurance at all. Something's definately wrong with this picture. :mad: |
Sadly, we pay health insurance for all of our employees.
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http://www.doh.gov.uk/
Hide in the back of a truck heading for Folkestone. The government will feed and house you and family of 25. Anyway, the prices are super high here due to insane amount of tax (Northern Ireland introduced a tax on plastic grocery bags). Of course everyone hopes that they'll be fine, but if something fucks up, then the money spent on taxes eventually comes full circle and ends up paying for your heart, liver, pancreas, whatever transplant. The NHS is supposed to be in a bad state, so it is still best to search for private health care. On a side note - looking at the transplant costs in the USA, I wouldn't like to be an average 9-5 guy that suddenly gets sick without health insurance. Not many average citizens have that kind of money stashed under their matress: Heart, $50,000 - $300,000, average: $150,000 Liver, $70,000 - $370,000, average: $235,000 Pancreas, $50,000 - $135,000, average: $70,000 |
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