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Old 02-06-2004, 04:22 PM
bobbygedd bobbygedd is offline
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Join Date: Nov 2000
Location: NJ
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health coverage-GUARDIAN anyone?

got a real nice quote today from guardian. anyone use them? any feedback?
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  #2  
Old 02-06-2004, 04:39 PM
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rodfather rodfather is offline
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How much bobby? I just went to Horizon BC/BS HMO last month.
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Old 02-06-2004, 05:15 PM
bobbygedd bobbygedd is offline
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$740, family of four. right now i'm paying $890
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Old 02-06-2004, 06:35 PM
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troblandscape troblandscape is offline
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Bobby thats per month, Right?
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  #5  
Old 02-06-2004, 06:47 PM
bcx400 bcx400 is offline
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Join Date: Dec 2003
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I don't have experience with Guardian, but with Aetna, I pay $589 per month, family of 5.
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  #6  
Old 02-06-2004, 06:53 PM
KenH KenH is offline
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Location: CT
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Is it PHS/Guardian/Healthnet.......I used to have Guardian, but there was some sort of merger with Helthnet and PHS.
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  #7  
Old 02-06-2004, 06:56 PM
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Soupy Soupy is offline
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Join Date: Mar 2002
Location: IL. (St Louis Metro)
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I'm covered by my wifes insurance, A piece of advice when buying insurance, Research the company good. I went through several in the past. They like to offer a fare price the first year, then stick it to you with a nice hike in premiums. The bad thing about switching insurance is, if you have any pre-existing conditions, you won't be covered by the new insurance. With so many people on some type of medication these days. You really need to make sure you are going to stick it out with the insurance company and not join just for the price.

The main reason my wife works is for the insurance benefits. She only makes about $11 an hour, but she works for blue cross blue shield which gives their employess great benefits. We have 2 kids and the money saved in insurance is to much for her not to work.
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Old 02-06-2004, 08:01 PM
bobbygedd bobbygedd is offline
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yes per month. aetna quoted me $1250
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  #9  
Old 02-06-2004, 09:42 PM
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ckf ckf is offline
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How are you guys getting it so cheap? I currently have horizon BC/BS POS and am paying $880 per month for my daughter, wife and me. I would love to know how to cut this down.
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  #10  
Old 02-06-2004, 10:10 PM
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sildoc sildoc is offline
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Join Date: Jun 2003
Location: Eagle Point, Oregon
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Quote:
Originally posted by ckf
How are you guys getting it so cheap? I currently have horizon BC/BS POS and am paying $880 per month for my daughter, wife and me. I would love to know how to cut this down.
Make your wife go to work full time and then use her insurance. Ha Ha.

My wife has good insurance and I am sole opperator so I use her insurance. I think for the 4 of us it is around 225 with dental and eye included.
Other than that there is no way in heck I could afford those types of coverages.
Or the copay would be out of this world.
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