View Full Version : health insurance
08-09-2003, 09:31 PM
what could i expect to pay for a family of 4, for medical coverage? also, has anyone had cobra, and how much was that. thanx
08-09-2003, 09:39 PM
My COBRA is a little over $500/month for a family of 4. Runs out in about 10 months, though.
Gr grass n Hi tides
08-09-2003, 09:45 PM
You can get some quotes on line at www.quotesmith.com
Celtic is a large company that wants to become an even bigger player like BC/BS, their rates are very competitive but I'm not sure about your area.
08-09-2003, 10:10 PM
rk brown, how long total can you keep cobra?
08-09-2003, 10:50 PM
Bobby....cobra is good for 18 months. Mine just ran out on me in July.
08-10-2003, 01:33 AM
18 months is correct.
Green in Idaho
08-10-2003, 01:58 AM
COBRA is for current employees leaving employment with existing coverage.
IF you are not currently covered there is no COBRA to deal with. It is only a law that says employee can maintain the employers insurance at their own cost.
Health Insurance Premiums ALL depend on what co-pays you choose, deductibles, etc. or if you go HMO style... Can range from 200-1200/mo for the same family depending on the options.
08-10-2003, 12:41 PM
green, i understand cobra is for employees who are covered, then leave. i am currently employed, and have coverage, i fear my employment status may change though, very shortly.
08-10-2003, 12:43 PM
did you're ******ed co workers see you're thoughts on them:dizzy:
08-10-2003, 12:49 PM
funny u should ask, yes, they did. i make it very clear how i feel about them.
08-10-2003, 12:51 PM
be careful what u say or PRINT u never know who is listing.
08-10-2003, 12:57 PM
i dont understand? who could be listening, that i could care less about? i made it very clear to the company, that , by not having any kind of a training program, and having employees who are both incompetent, and uncooperative, is a lose lose situation. they have constantly repeated , "you are responsible for these people." however, i dont have the athority to hire, fire, or repromand, and the company wont back me in any way when an employee is uncooperative. hell, ive even been assualted by a cooworker, right in front of a supervisor, and it was completetly overlooked. so, i dont get your last post, "u never know who is watching".
08-10-2003, 01:07 PM
wasn't aware that the company new u were unhappy and there were problems
Green in Idaho
08-10-2003, 01:28 PM
Maybe ask for the nice gentle lay-off to qualify for unemployment comp... A little cushion to expand your biz.
I know someone who did it. He knew they couldn't fire him and they knew he didn't want to out right quit due to family, but he and the owners also knew it wasn't working out so they agreed to do a layoff and meet the requirements of it...
08-10-2003, 02:52 PM
good idea green
Be careful of COBRA costs.
I was ask to leave a major corp. in Jan.03. I got a nice severance package and the COBRA to cover the ins.
For the first 12 month monthly payment was the same as when I was employed, $133.00/month for family.This is a great price for very good coverage ins.
Starting the 13th month the cost would go to, glad I was sitting, $1200.00 per month, but I could keep the coverage for 6 more month, don't think so.
I hope this may help someone keep from going down that path.:dizzy:
Hey Tomt, from my one time experience with Cobra I paid my usual insurance rate plus what the company was paying for their part of the insurance. Sounds like you got a good deal for 12 months.
I was paying $700 month in between contract programming assignments when I normally pay about $250 a month (medical/dental) for family when working.
Luckly I was out of work only for 2 months.
Green in Idaho
08-12-2003, 12:10 AM
Health insurance (and ALL insurance) is insane!
1,200/mo is $14,400 in a year!!!!!
Go one year without a accident and you pretty much can be self-insured. Until you hit a major medical of $50,000 + And why in the hel does ANY medical accident cost more than $50,000 (cheap).... Heart surgery is enough is to wipe you out. I think I'd rather die than pay that much money to the medical machine!
It is all terribly wrong!
08-12-2003, 09:37 PM
I pay about $490 a month for a family of 3 . This is for health , dental and vision .
08-13-2003, 12:43 AM
we pay 289.00 per month med and vision, but we have a 10,000.oo deductable no that is not a typo i said $10,000.00 but it beats paying 1200.00 per month like bcbs wants
Green in Idaho
08-13-2003, 02:08 AM
Yes it all depends on deductible and the rest...
And who can afford a 10,000 deductible? At that point I have to ask why am I paying $289 a month. What does that get me? Proctection if I have cancer? Probably not even covered ailment!
I might as well buy 289 lottery tickets!
Is it coverage if I hit the hospital for a month? A month of no income and then a 10,000 payment??? I might as well roll the dice and just hope I don't get ill.
I'm not saying anything personal about Dr. Mow or such it's such a good example of how our medical industry is sticking it to us at their pleasure!
The people in my area making over a million are mostly doctors. NO bs, I know doctors reporting over $milllion in a year due to their many doctor "connections". Meanwhile hospitals running $$$ advertisements on TV attracting clients and million dollar pharmacy campaigns on drugs I can't believe they put on TV... "possible side effects diarrea, dry mouth, and impotence...."""" I'll pass on that one doc.
Ironic the last post was by "Dr" Mow. :D
08-13-2003, 03:13 AM
yes 10 grand is a high deductable, but my wife is a rn and the dr she works for sees us for free , but have a car wreck or mower accident 10 gs will barly cover 1 day stay in the hospital. we keep 10 grand plus a little more in a money market account for our deductible, that way if we need it its there all we do is write the check
short story, 2 years ago i was weed eating along a 6' fence with RAZOR wire at the top needless to say i stood up and sliced my head open . My wife came to gat me went back to her office , the dr. called her friend ( head of er ) walked in back door 8 staples to the head walked back out the back door. no paper work and no er bill . Having connections is great.
Green in Idaho
08-13-2003, 11:18 AM
THAT is a good deal. And a good situation.
08-14-2003, 04:13 AM
Hi Dr. Mow,
Which company do you use for your insurance?
08-14-2003, 11:07 PM
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