Still hunting for an insurance plan

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

Luvzminis
Veteran Member


Date Joined Apr 2008
Total Posts : 2735
   Posted 11/15/2017 7:41 PM (GMT -6)   
I appreciated the help I got when I previously asked for suggestions for health insurance. Since then, I've researched many companies online and also spent time on the phone with company representatives and also an insurance broker. But it seems I can't find a lower premium for health insurance. sad

My guess is that premiums have gone up everywhere. I was told by two representatives that our current premium isn't that bad; yet it's nearly $700 a month. smhair But maybe I'm just behind the times and that is a fair premium for two people?

So....does anyone have any suggestions for a lower premium for health insurance? It would only be for one person (me) and my husband would go with his work plan. Without me on the plan, it's several hundred dollars cheaper! We can't claim me as a dependent, or go with any other type of available family plan.

Running out of options. Any more suggestions? We may end up just "biting the bullet" and going with the current plan, but....whew....it does seem expensive. shocked
"Pray, hope, and don't worry."

St. Padre Pio

straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 16301
   Posted 11/16/2017 7:38 AM (GMT -6)   
Luv's yes the premiums have sky rocketed over the years. When my husband retired in 08, the monthly premium for me was $620 per month. Two years later I received my letter starting the premium would be $1,230 per month. Of course we dropped the insurance through his job, no way we could afford that. Now, both of us are on Medicare with a supplemental plan & we pay a little $1,000 a month total for both of us. We both have health issues & need insurance but the cost is out of control for everyone.

Take care.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Sherrine
Forum Moderator


Date Joined Apr 2005
Total Posts : 17755
   Posted 11/16/2017 7:57 AM (GMT -6)   
Yes, insurance has gone way up. I'm always in sticker shock these days. I have long term health insurance that I've carried for 20 years. Last year it went up 25%! I couldn't believe it!

You want to be careful about inexpensive health plans also. You do get what you pay for. If you got really ill, you might be sorry you opted for inexpensive over quality plans. One well-known plan that is inexpensive isn't even accepted at my doctor's office. They accept about 30 plans but this one they won't take. So be careful. You might want to check with your doctor's office to see what plans they carry for 2018 to make sure you can continue seeing them.

Sherrine

Forum Moderator/Fibromyalgia

Fibromyalgia, Crohn's Disease, Ostomy, Autoimmune Inner Ear Disease, Diabetes, Osteoporosis, Glaucoma, Scoliosis, Ankylosing Spondylitis
************************
God does not give us a spirit of fear, but of power and of love and of a sound mind. 2 Timothy 1:7

Luvzminis
Veteran Member


Date Joined Apr 2008
Total Posts : 2735
   Posted 11/16/2017 8:14 AM (GMT -6)   
Thanks, Susie and Sherrine. Wow--I knew costs had risen, but not to the point of ridiculous! But, good to be aware of this.

Sherrine, good point--there can be some lousy inexpensive health plans. In researching some online, they sound great at first.....then comes the fine print! Eek!

Thanks again---always appreciate your input! smile

Post Edited By Moderator (Sherrine) : 11/16/2017 9:22:36 AM (GMT-7)


Ljm2014
Veteran Member


Date Joined May 2014
Total Posts : 2187
   Posted 11/16/2017 7:03 PM (GMT -6)   
We pay a lot for mine through my husbands company, he s retired.

It has crept up over the years, of course..

To me its outlandish, and rarely used..we chose a higher deductible..for a lower rate..so often we pay them each month, in case ..and i pay my deductible for the actual care i get..

Its silly, but we pay anyway cause if you had another major illness , you need the insurance.

😂

Luvzminis
Veteran Member


Date Joined Apr 2008
Total Posts : 2735
   Posted 11/17/2017 2:59 PM (GMT -6)   
Thanks, Lj. Yes, so true--so often it's rarely used, yet costs keep rising. And also true: we do need insurance! It amazes me the way insurance costs have risen over the past 10 years or so. Just boggles my mind.

Am looking into a few possibilities and weighing the pros and cons. Hoping to find something really soon.

Have a great weekend! smile
"Pray, hope, and don't worry."

St. Padre Pio
New Topic Post Reply Printable Version
Forum Information
Currently it is Friday, June 22, 2018 8:43 PM (GMT -6)
There are a total of 2,974,422 posts in 326,174 threads.
View Active Threads


Who's Online
This forum has 161264 registered members. Please welcome our newest member, TeeganBallard222.
392 Guest(s), 7 Registered Member(s) are currently online.  Details
Tim G, imagardener2, cpaarchie, Gear, CAdogsRus, U.C.Me?, Lanie G