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Old 05-17-2002, 11:45 PM
BAMARED BAMARED is offline
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Family medical insurance question

To all you guys that run solo operations - Where/Who do you get medical insurance for your families? (Assuming that your wife does not work.)

Thanks,

BAMARED
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Old 05-18-2002, 01:52 AM
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JimLewis JimLewis is offline
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We just looked up an insurance broker in the Yellow Pages. (Broker = doesn't work for one specific insurance carrier, but many). We ended up with Fortis, which was pretty affordable.

Whatever you do. DON'T fall for the NASE (National Association for the Self Employed) Insurance scam. They charge about the same as other insurance companies except they really cover almost NOTHING! (Except Major Medical) It will be like you don't even have insurance, because you'll be paying for everything out of pocket.
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Old 05-18-2002, 02:26 AM
wolfpacklawn wolfpacklawn is offline
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I found a plan with Unicare that I really like. $220 a month for a family of 5.

I agree, stay away from NASE (also called MEGA life and health insurance), I checked into it and it seems to be a looser.
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Old 05-18-2002, 03:11 AM
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Mykster Mykster is offline
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Wolfpack, do you have a number for Unicare? That seems to be a good price. After I was laid-off from previous employer they had a deal called Cobra. $450-$500 a month for family of four, if I'm not mistaking. Thought that was a little high. My insurance benefits ends next month and need to get something going for me and my family.

Does that include any kind of Dental?
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  #5  
Old 05-18-2002, 11:05 AM
BAMARED BAMARED is offline
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Jim & Wolfpack,

Do you think that a solo operation could get this same ins. that you guys spoke of? Or do you have to have multiple employees to qualify?

Thanks in advance,

BAMARED
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  #6  
Old 05-18-2002, 12:36 PM
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JimLewis JimLewis is offline
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Yes, a solo would definitely qualify for Fortis, I am sure.

I think we were talking about insurance for ourselves and our immediate families only, not for our company or workers.

We don't provide insurance for our workers.
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Lewis Landscape Services - Oregon
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landscape design Portland Oregon
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  #7  
Old 05-18-2002, 04:07 PM
thelawnguy thelawnguy is offline
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Try here http://www.goldenrule.com/
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  #8  
Old 05-18-2002, 07:38 PM
Greenie Greenie is offline
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Watch Golden Rule, I almost bit the hook. I found out that GR will refund all your premiums if you ever have a major illness and a motorcycle. Doesn't matter if the motorcycle had nothing to do with your injury or illness, if you have one and they find out, they'll bail on you.
I'm sure GR has other outs other than motorcycles, but that's what they would have used in my case.
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  #9  
Old 05-18-2002, 10:42 PM
Barkleymut Barkleymut is offline
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Location: Richmond, Virginia
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My wife, daughter and I are all on a group policy. (I have one employee but he doesn't receive benefits). My wife is pregnant again and now our policy is going to be $550/month when #2 gets here. This is a great policy but man is it expensive. I agree with Jim as we went through a broker.
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