Selp Employment and health insurance

New Topic Post Reply Printable Version
[ << Previous Thread | Next Thread >> ]

Doc2007
Regular Member


Date Joined Oct 2007
Total Posts : 294
   Posted 5/27/2009 3:53 PM (GMT -7)   
I am going to be finishing cosmetology school in about a year and will become a self contractor after that. I will need to look into health insurance for self employed, andy suggestions or experience from forum memebers? Thanks a lot!

sjkly
Veteran Member


Date Joined Dec 2007
Total Posts : 2113
   Posted 5/27/2009 4:18 PM (GMT -7)   
YOu will likely have a very hard time getting insurance on your own. Is there a way you can subcontract with a large group part time and get health insurance through them and then do the rest on your own.

DebbieCrohns
Regular Member


Date Joined Nov 2005
Total Posts : 174
   Posted 5/27/2009 5:09 PM (GMT -7)   
Hi,
 
Do you have health insurance now?  If so, can you get COBRA?  Does the state you are in have insurnace for people who can't get individual insurance?
 
Debbie

FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 5/27/2009 5:55 PM (GMT -7)   
Is there a union or other professional group that you can join and get a group rate through? Do you live in a state where pre-ex must be covered? (there are a couple).
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night.  I take xanax prn for situational anxiety (aka no easy bathroom access). 


Rider Fan
Veteran Member


Date Joined May 2008
Total Posts : 1445
   Posted 5/27/2009 6:37 PM (GMT -7)   
Unfortunately my experience is that it's impossible or ridiculously expensive. I don't have the option of having my own accounting practice because of this reason.
32 y/o male. Dx'ed in 1999. No surgeries.

Current meds: Humira 2/27/09. 9mg prednisone. Udo's Choice Probiotics (30 billion). Can't tolerate any iron supplements or infusions.

Tried SCD, didn't work, now avoiding gluten and dairy.


Go Saskatchewan Roughriders!


sr5599
Veteran Member


Date Joined Aug 2007
Total Posts : 1202
   Posted 5/27/2009 7:24 PM (GMT -7)   
I am self-employed and was turned down for the regular health insurance policies. Depending upon the state you live in, there are sometimes state insurance pools which are required to provide coverage if you are rejected from an individual plan.

I live in OR and I know WA also has an insurance pool. The plan is great and the pricing is competitive with other policies. If I were employed I wouldn't realize how much it costs, but comparing individual plans at my age vs. this plan is pretty similar. So, just go to google and type your state's name with insurance pool and see what you find.

Good luck!
--40 year old female, dx as UC in '04 (1st symptoms in '03), switched to Crohn's in '05, 1 fistula, crohn's colitis, limited to large intestine  --rejected (reaction/didn't work): Asacol, AZA, 6-MP, MTX, Remicade, Humira, prednisone, Tysabri
--Prochymal in Phase III study (can't wait til it's approved!)
--currently taking methylprednisolone 40mg-taper.  Started Cimzia first dose 2/10/09.  Dx Osteoporosis 10/08 started Forteo 1/27/09
--single mom to 11-yr-old girl


Writer
Regular Member


Date Joined Aug 2006
Total Posts : 443
   Posted 5/28/2009 4:15 AM (GMT -7)   
Your options will vary dramatically depending on the state in which you reside. Do a search for your state's Department of Insurance on the Web. Most provide consumer information about health insurance options.

Rider Fan
Veteran Member


Date Joined May 2008
Total Posts : 1445
   Posted 5/28/2009 8:02 AM (GMT -7)   
Oh sorry I guess you mean just health insurance, I thought you meant disability insurance. Well, hopefully Obama will be fixing that problem for you! Barring that just come up here to Canada!
32 y/o male. Dx'ed in 1999. No surgeries.

Current meds: Humira 2/27/09. 9mg prednisone. Udo's Choice Probiotics (30 billion). Can't tolerate any iron supplements or infusions.

Tried SCD, didn't work, now avoiding gluten and dairy.


Go Saskatchewan Roughriders!


Doc2007
Regular Member


Date Joined Oct 2007
Total Posts : 294
   Posted 5/28/2009 8:44 AM (GMT -7)   
Thanks...I ma speaking about health insurance. I have insurance now with my employer and I am also taking Humira, it has worked wonders for me and I just want to be able to continue it once I am self employed. And I want to be sure to maintaine my health and dr visits etc...I live in California

sr5599
Veteran Member


Date Joined Aug 2007
Total Posts : 1202
   Posted 5/28/2009 8:59 AM (GMT -7)   
California does have an insurance pool. Here is the link:

http://www.mrmib.ca.gov/mrmib/MRMIP.shtml

There might be other plans available as others are suggesting, but at least you are guaranteed coverage. Premiums are based on age, as usual. I chose the "best" plan with the lowest out of pocket. All my expenses are covered 100% with a preferred provider (*not* HMO!) and they have great doctors. I pay a $1500 out of pocket each year and that includes deductible. Of course, I pay premiums monthly. It's never cheap... (I hope that changes at some point!)

In Oregon the state insurance pool is managed by BlueCross/BlueShield.
--40 year old female, dx as UC in '04 (1st symptoms in '03), switched to Crohn's in '05, 1 fistula, crohn's colitis, limited to large intestine  --rejected (reaction/didn't work): Asacol, AZA, 6-MP, MTX, Remicade, Humira, prednisone, Tysabri
--Prochymal in Phase III study (can't wait til it's approved!)
--currently taking methylprednisolone 40mg-taper.  Started Cimzia first dose 2/10/09.  Dx Osteoporosis 10/08 started Forteo 1/27/09
--single mom to 11-yr-old girl


Doc2007
Regular Member


Date Joined Oct 2007
Total Posts : 294
   Posted 5/28/2009 11:30 AM (GMT -7)   
Thank you sooo much! I just am tryig to do my homework before next year rolls around and I jump into a new career and have not thought things out and planned accordingly as Crohns rather I want to accept it or not has played a major part in my life...I have to make considerations for it. Its like having an evil twin you cant get rid of! lol
New Topic Post Reply Printable Version
Forum Information
Currently it is Tuesday, December 06, 2016 5:22 AM (GMT -7)
There are a total of 2,733,418 posts in 301,117 threads.
View Active Threads


Who's Online
This forum has 151256 registered members. Please welcome our newest member, Monkeyjungle.
230 Guest(s), 4 Registered Member(s) are currently online.  Details
Bololidat, Tagier, tickbite666, Tudpock18


Follow HealingWell.com on Facebook  Follow HealingWell.com on Twitter  Follow HealingWell.com on Pinterest
Advertisement
Advertisement

©1996-2016 HealingWell.com LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer