Does anyone here have health insurance they did not get through their husbands employer? My hubby was supposed to be leaving his small comapny for a fortune 500 with better benefits, but he backed out, which leaves us with no insurance as I am leaving my job to be a sahm in a couple weeks and I have carried the insurance since we got married. YES his company does offer health insurance, but the coverage is pretty bad and it costs about $500 a month for family. I am looking for other options. I have even considered leaving him and I with no health insurance and putting my kids on HAWK-I (healthy and well kids in Iowa - it is very inexpensive - it is one of those SCHIP type programs). Has anyone looked into getting their own, non employer sponsered insurance?Answer Question
Answer by hiddenpoet at 2:44 PM on Jul. 1, 2008
Answer by SylviaNCali at 6:01 PM on Jul. 1, 2008
You probably aren't going to find much lower premiums. Group plans tend to be much more affordable because the premiums are factored in a more favorable manner than individual policies AND the employer usually contributes part or all of the premium thereby reducing the expense to the employee even more.
I do have a suggestion though. Instead of pursuing insurance to cover your preventative medical care take a look at a discount plan like AmeriPlan (www.mybenefitsplus.com/healthyyou). Basic Medical plans are $29.95 and covers your entire household. This type of plan is very similar to the maintenance part of a PPO in that the provider offers discounted rates for plan members based on the presumption of increased referrals and other incentives. The net result is that you get the benefit of a more affordable trips to the doctor (50-80% savings) without paying enormous premiums.
Hope this is helpful.
Answer by TrudyP at 10:59 PM on Jul. 1, 2008
Answer by GeorgeS at 8:04 AM on Nov. 5, 2008
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