PDA

View Full Version : Health Insurance Plans



Dennis
December 9th, 2009, 09:09 PM
Anyone who is self-employed and/or self-insured, what do you do for insurance?

Health Plans of Nevada?

Anthem?

JThomas12
December 10th, 2009, 07:03 PM
I am not self employed, but I am on a HSA with Anthem.

JeepersCreepers
December 10th, 2009, 07:12 PM
I have Anthem, its way expensive because I have a pre-exsisting condition and have no choice but to have insurance.

litlmeck
December 10th, 2009, 07:12 PM
Anthem?

Last time I was between jobs w/ out ins

wrenchjunkie
December 11th, 2009, 09:17 AM
Where do you go when insurance says "no thanks, application declined"?

What is a HSA?

Dennis
December 11th, 2009, 01:40 PM
What is a HSA?

Health Savings Account

JThomas12
December 12th, 2009, 08:34 AM
If you want a cheaper plan, you can get a high deductible insurance plan. The way my plan works is that for the first $5200 in medical we use in a year, we pay part and the insurance pays part. After that, the insurance pays a small part up to $10,000, and then after $10,000, they pay 80%.

We got on this plan when my family was healthy in 2006, and the monthly premium was $230. Later, my daughter ended up with scoliosis (crooked spine), a few MRI's, etc. Our monthly premium went from $350 last year to $435 this year. If it goes up another 35% next year, we will be in trouble.

The HSA is a Health Savings Account. The way that works is you put pretax dollars into the account, and then you can use that money for medical treatments and drugs, thus saving some money. We felt it was better to do it this way as opposed to just paying $700/ month for insurance.

John