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Health insurance

Discussion in 'Business Fundamentals' started by bsuds, Mar 11, 2010.

  1. bsuds

    bsuds Senior Member
    Messages: 192

    I'm in the market for health insurance. If you guys buy your own, do you have any advice on where to start. I have looked on the Internet and don't trust buying a plan at point and click. I would call and insurance agent, but I feel they are going to try to up sell me on crap I don't need. Where did you guys get yours?
  2. grandview

    grandview PlowSite Fanatic
    Messages: 14,609

    How poor are you? Does your state off insurance?
    Check with your Chamber of Commerce also.
    Call your doctor and ask what are a couple of insurance companies out there.
  3. ahoron

    ahoron Senior Member
    from here
    Messages: 422

    Insurance agents are the same as used car salesmen nothing more. Friends wife has a job at walgreens just for the medical insurance. Don't know if thats an option just throwing it out there.
    Can't help any more then that my is 100% employer paid.
  4. theplowmeister

    theplowmeister 2000 Club Member
    from MA
    Messages: 2,617

    what kind of Health ins, PPO, HMO or only catastrophic
  5. Camden

    Camden PlowSite Fanatic
    Messages: 6,604

    I used ehealthinsurance.com to find the plan I wanted and then I found a local agent to do the application. It was the same price online as it was in person.

    For the last 8 years I had Blue Cross Blue Shield and they slowly got worse and worse. I decided to switch companies in January because BXBS wouldn't cover some medication that my doctor prescribed for a sinus infection. I was really upset with them so I found another company.
  6. tuney443

    tuney443 PlowSite.com Addict
    Messages: 1,847

    In NY,we have 6 of last count health ins. companies sanctioned by the government known as Healthy NY.I have one of those companies called GHI HMO--been pretty good the last 6 years.It's meant for a small business owner who meets certain criteria financially.I'll bet your state has something similar.
  7. MikeLawnSnowLLC

    MikeLawnSnowLLC Senior Member
    Messages: 350

    I have humana I pay 180 a month with dental coverage and low deductibles overall I'm happy with it.
  8. Camden

    Camden PlowSite Fanatic
    Messages: 6,604

    $180 for just yourself?
  9. tuney443

    tuney443 PlowSite.com Addict
    Messages: 1,847

    Curious--what does low mean to you?
  10. LoneCowboy

    LoneCowboy PlowSite.com Addict
    Messages: 1,760

    depends on how old and how healthy (or not) you are?
    individual or company or company of one?

    in your 20's, male, no family, a high deductible catastrophic plan (which don't worry, is all you're going to be able to afford) is $100/month in CO (plus or minus)

    In your early 40's, that same policy is $250 to $300/month

    honestly Colorado is cheap compared to many back east states.
  11. tuney443

    tuney443 PlowSite.com Addict
    Messages: 1,847

    I was asking Mike what low meant to him,referring to his low deductibles statement.