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health insurance question

Discussion in 'Uncategorized Threads' started by smsnyder, Mar 19, 2008.

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  1. smsnyder

    smsnyder Well-Known Member

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    This is bull. I called a major health insurance company UPMC for insurance quotes. They said they won;t insure individual's but you must be a part of a group. First of all if a persons employer does not offer an insurance plan and or you only want to get individual insurance how can you do this? My present health insurance are through the roof with no health problems. What are you paying. I am 57 and my wife is 62. thanks
     
  2. Mr Newbius©

    Mr Newbius© TS Member

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    Call AARP they will answer any and all questions and give you some good rates as well.
     
  3. dbcook

    dbcook TS Member

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    my blue cross is 5 grand a year i buy the best blue cross offers.pays 24 chiropractic treatments a year pays for most of my med i take nexium for acid reflux that is 200 a month my cost is about 70 bucks.i take metropol for blood pressure it costs me only about 5 to 10 bucks a month. i figure all they pay my insurance doesn,t cost all that much in my case buying the best is a lot cheaper than buying the cheaper insurance. i will be 57 in june. a friend with no health issues just turned 60. his hospital insurance doubled because of age. i have copay,dr visits are 8 bucks. i had 3 surgeries in june & july 2006 & jan of 07. my part of dr & hospital was only a few hundred bucks . personally i believe in buying the best. don,t know about it though, if & when i reach 60 dwain
     
  4. mecman

    mecman TS Member

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    smsnyder, try this link to check out different types of health insurance. I'm self employed and I found a policy on there to cover my needs. Good luck, Gary

    https://www.ehealthinsurance.com/
     
  5. sammyd95

    sammyd95 TS Member

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    Nov 22, 2007
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    mine is $356 a month,pretty decent coverage without getting into to many details,but when you are only making $1300/month,,seems a bit steep.but from asking around it is about the average i guess!
     
  6. finger

    finger TS Member

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    Mine is subsidized by my former employer...they pay 40% of the premium, but it was frozen at I think year 2000 values. That said blue cross blue shield for the wife and I, both in late 50's is now running me $975 per month. 4 years ago it was $275 a month. (the 2008 premium went DOWN a bit from 2007) With this coverage out of pocket for 2007 was over $20k. bob finger
     
  7. Shooting Coach

    Shooting Coach Well-Known Member

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    Location:
    Nashville Tn
    You guys make me glad I am a veteran and am taken care of by Veteran's Administration. A regular visit to the Doc is five bucks. Emergency room is fifty bucks. Period.

    Maybe it IS time for national health care.
     
  8. phirel

    phirel TS Member

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    Shooting Coach- Who would pay for a national health care system?

    Pat Ireland
     
  9. ClaysII

    ClaysII TS Member

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    Dec 5, 2006
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    For an individual plan contact a local independent agent.Find a good one and they should be able to solve your problems by offering several quotes thru various carriers.If you do not know of one just ask around with the local business people for a referral on who's who with agents.They will steer you
    to a good one.
    Good Luck:Randy
     
  10. jerryw

    jerryw TS Member

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    Jan 29, 1998
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    337
    I agree about not doing business with "Anti Gun" Corporations but, it is getting harder all of the time.

    If you have seen the list of them it will just blow your mind.

    Sadly I guess it is the Politically correct thing to do.

    I am very lucky that my former employer furnishes me and my wifes health insurance at no cost to me. I don't know how long they will be able to afford that.

    If I had to pay the premiums it would seriously eat into my shooting budget.

    Good Luck in your search

    Jerry Walker
     
  11. tomk2

    tomk2 Member

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    When you have employer sponsored Health Care, you end up thinking that HC costs $50 - $400 a month. When you go out to buy it yourself, even if you are in a small group, you get shocked to learn that HC for a family of 4 is $1500 ti $1800 a month. The difference between your individual plan and what an employee pays is the additional the employer had been putting in , minus any discounts the employers group was able to negotiate. Of course, if you are the poorest or undocumented, you think HC is free, and you are correct. Show up at an ER, and get your HC. However, this kind of HC plan is the least efficient, least convenient, and least effective kind, but at the most desired price.

    I have been where you are in the recent past. I was paying $1800 a month, and was able to reduce that to $1500 by accepting a large deductible, higher out of pocket policy. Now you know why many working people just skip health insurance, even though they have an income.

    What is truly hard to understand, is the fee structure of health care. A hospital will charge a completely insured person with wealth and assets the least (due to insurance plan negotiated rates), and then charge the poorest uninsured person the most,often two to four times as much, for a similar service. This seems upside down to me. So what happens is that the uninsured get directed to different facilities, facilities where the "service" is named the same, but is done with lower cost and convenience. That's your two tiered health care system, already in place today.
     
  12. shadow

    shadow Active Member

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    Tom, The answr is simple. Those without the insurance will never pay the bill anyway. So the hospital can write off a greater loss than if they charged the same as they charge the insurance companies.
     
  13. X Trap 2

    X Trap 2 TS Member

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    When I was 52 I went with a Blue Cross Blue Shield plan. They raised my rates all the time. When I complained they suggested another plan. Well, I changed to that plan and guess what? Got regular increases there also. So I canceled and did without.

    I met with several insurance companies but all charged too much for nearly no coverage. Seems most just want your money and not want to give you any reachable coverage.

    Later got added to the wifes plan where she works and it cost me $200.00 a month.

    Am 64 now and hope I never need it. Medicare kicks in pretty soon. Ray.....
     
  14. shot410ga

    shot410ga Well-Known Member

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    My insurance & meds has gone from about $175 to over $800 month in the last 3 years, and that's the deductable only. I've decided to use the VA, I did my time in Vietnam. I never thought I would, but.........that's a lot of shoot'en money.
     
  15. b12

    b12 Well-Known Member

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    Only if the Drs. and hospitals could become Indpendent again and not let the Insurance Cos. own the HMO's and be the heavest investors in the Pharma. and Device Cos. I think its called a monopoly. Bill
     
  16. smsnyder

    smsnyder Well-Known Member

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    health insurance programs are terrible and overpriced. i wonder how many people don't have it in the U.S.
     
  17. hoggy

    hoggy TS Member

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    I also had to go the VA route which has no dental. To keep my retirement insurance was close to $600 a month on a $1210 a month pension. It's just plain horrible to work at something for 34 years and have to worry about medical.
     
  18. shot410ga

    shot410ga Well-Known Member

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    smsnyder:

    It's reported that 57 million working people have no health insurance. That's a real problem, and has to be addressed.
     
  19. Dahaub

    Dahaub Active Member

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    Guys it's not going to get any better. The pharmaceutical companys started going up with their rates a few years ago and it was all because of the talk of national health care. They wanted their rates to go thru the roof before they were regulated by the feds. It's awful that they can charge so much for what they have invested so little. I really don't know the answer but lets hope the next administration isn't blinded by the reps of those companys. I think the pharmacy companys own the republican party and their thoughts. I know that after working all the overtime I have the past couple of years it does not change my policy at all. I have paid in over 24 thousand for health care premiums this past year and my deductable is still one thousand and the hospital is onethousand. Now my prescriptions are 450 deductable. Boy oh boy what a bargain!!!!!!!!! I can't wait to see what is on the agenda in the future. We need change and we need it now!!!!!!!!!!!! The supreme court is not going to let anyone take your guns away from you or ban your guns. Do you understand that? Now that that issue is covered get some people in office that is going to take care of the needs all of us need help with. Health care costs.Dan
     
  20. gus in philly ata57

    gus in philly ata57 TS Member

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    smsnyder, I'm a broker here in PA. I can help you and your wife. Call 800-396-4309. It's late Friday afternoon now. Call me Monday.

    Mike Guscott
    West Chester Gun Club
     
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