Health Insurance --Reputable

Discussion in 'Business Operations' started by Mgardner, Nov 11, 2001.

  1. Mgardner

    Mgardner LawnSite Member
    Messages: 156

    Could any commercial operators tell me where the best game in town is concerning Health Ins. I run solo also and got a quote from an agent put first I`d rather go to someone thats been dere,dun dat.
  2. SCL

    SCL LawnSite Senior Member
    Messages: 543

    Have you tried Blue Cross? I just cancalled with a small biz assoc. to go to Blue Cross. Try this with a search under elements of Business
  3. gusbuster

    gusbuster LawnSite Bronze Member
    Messages: 1,932

    A PPO plan is the way to go. You will pay more for this option, but more and more doctors are not accepting HMO plans anymore due to poor pay structure.

    I would second Blue Cross. I was paying around $126 a month plus deductibles.(they can get big) The end of this year though, my wife is taking me on her plan from Signa. They have a killer plan, but the premium is double the cost of Blue Cross. If you have big medical needs in your family and can get away with pre-existing conditions, I would consider paying the higher premium. This way you don't have to pay so much in the long run.

    I had to go to the emergency in July. The total bill came out to over $900. B.C. only paid $392. I had to pay out of my pocket the remainder. Just something to consider.

  4. Fantasy Lawns

    Fantasy Lawns LawnSite Bronze Member
    Messages: 1,912

    blue cross
  5. kutnkru

    kutnkru LawnSite Silver Member
    Messages: 2,662

  6. HBFOXJr

    HBFOXJr LawnSite Bronze Member
    Messages: 1,712

    Aetna US Health CAre or Ameri Health
  7. GreenQuest Lawn

    GreenQuest Lawn LawnSite Senior Member
    Messages: 822

    I guess I have to be against Blue cross. I had decent coverage, I was paying 449/month for a family of three and maternity coverage. We were all healthy (in fact all together we went to the doctor mabey 5-6 times in the yr)

    Then I got the price increase $718/month Thats right 60% increase. I guess they raised their premiums across the board around here.

    Well to make a long story short we told them where to go and switched. We found ins through Fortis health its a little more out of pocket but for now we are all healthy and its not a problem.

    The new premium is $306.82/month.

    Thats a savings of $4934.16 per yr.

    Each time I go to the doc I will pay aprox. $25 more than on Blue Cross for the co-pay and perscription.

    I can go to the doctor many times for that amount. WOW thats like 197 times before I would hit Blue cross premium.
  8. HOMER

    HOMER LawnSite Gold Member
    Messages: 3,183

    We use Blue Cross, pay $600. something every 2 months. Haven't found anything cheaper or better. It's not a group plan so we of course have to pay and then wait for the check.
  9. 65hoss

    65hoss LawnSite Fanatic
    Messages: 6,360

    I have bluecross. My single policy is $89 per month. PPO
  10. wolfpacklawn

    wolfpacklawn LawnSite Member
    Messages: 120

    I have Unicare for $160 month for a family of 5. I have a high deductible ($2500) but for me that was the way to go. The program I have pays for 3 or 4 doctor visits per year per person and has a decent perscription plan. That is most of my doctor visits. If I do have to pay for other things that's ok by me. I mostly wanted to have insurance for something major like cancer or heart problems or somethings that would go into the 10's of thousands of dollars. In my opinion the way to go is a high deductible and then be prepared to pay a few thousand dollar bill. In the long run I think I will pay less than if I had to pay $400-600 per month.

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