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Old 06-12-2008, 05:48 AM
 
Location: South Texas
40 posts, read 458,024 times
Reputation: 127

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thanks for the suggestions.

We're in our early 50's.

We've had this insurance through Farm Bureau (Gilsbar) since the year 2000.

Our premium started at $250.00 per month and steadily increased every 6 months & every 5th birthday. at ages 45 & 50 (55, etc).

Several years ago, we switched to $5000.00 deductible plan.

We're reasonably healthy - no catastrophic illness.

I'm going to check with Unicare, the payroll plan suggestion, etc. & see about HSA.


Thanks, CaTe
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Old 05-01-2009, 12:05 PM
 
18 posts, read 58,422 times
Reputation: 18
We are self employed and I am looking for insurance for myself and husband we are 29 and 31...Unicare looks good. Can someone recommend an agent or broker in SA that we can actually sit down with and discuss plans? DM me if you prefer. Thanks!
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Old 05-01-2009, 03:27 PM
 
5,633 posts, read 13,949,548 times
Reputation: 2731
Quote:
Originally Posted by Goodieee2shoes View Post
We are self employed and I am looking for insurance for myself and husband we are 29 and 31...Unicare looks good. Can someone recommend an agent or broker in SA that we can actually sit down with and discuss plans? DM me if you prefer. Thanks!
Someone in this thread mentioned they were self-employed and had Unicare. I'm also self-employed and I have Unicare and I pay $140/month for a 2000 deductible plan. Price has increased $20 since 2 years ago. Unicare is pretty good, but it's not as common as BlueCross/etc and I think that's one of the good things about it...less expensive.

I didn't get a broker for my plan, I just went to one of the online sites that mass sell them, but I have no idea if that's the best way to go. If you go to the Unicare website, they have a place where you can find brokers/resellers. Good luck. Medical insurance is a necessary expense...how many people do you know that have used the ER or had a huge medical bill? Insurance saves you from the heartattack POST medical bill, lol.

ON a sitenote, if you're low income, you can usually get away with medical bills...I know several people that had agreed to put in a little community service time or cried their way out.
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Old 05-01-2009, 03:31 PM
 
Location: NW San Antonio
2,953 posts, read 8,607,085 times
Reputation: 3211
Quote:
Originally Posted by TexasNick View Post
Someone in this thread mentioned they were self-employed and had Unicare. I'm also self-employed and I have Unicare and I pay $140/month for a 2000 deductible plan. Price has increased $20 since 2 years ago. Unicare is pretty good, but it's not as common as BlueCross/etc and I think that's one of the good things about it...less expensive.

I didn't get a broker for my plan, I just went to one of the online sites that mass sell them, but I have no idea if that's the best way to go. If you go to the Unicare website, they have a place where you can find brokers/resellers. Good luck. Medical insurance is a necessary expense...how many people do you know that have used the ER or had a huge medical bill? Insurance saves you from the heartattack POST medical bill, lol.

ON a sitenote, if you're low income, you can usually get away with medical bills...I know several people that had agreed to put in a little community service time or cried their way out.

also note, if you file your taxes correctly self-employed people are able to deduct the cost of health insurance costs.
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Old 05-01-2009, 06:48 PM
 
Location: San Antonio
7,629 posts, read 14,347,560 times
Reputation: 18705
A guy that we know that is retired and without health care now said he was going to work for Starbucks...only for the health insurance! I have no idea what these economic times are bringing to the table, but use to be 20 hours per week got you health benefits with them.
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Old 05-01-2009, 11:18 PM
 
5,633 posts, read 13,949,548 times
Reputation: 2731
No medicare?
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Old 05-02-2009, 05:17 AM
 
3,141 posts, read 5,165,999 times
Reputation: 1748
Quote:
Originally Posted by TexasNick View Post
No medicare?
Paka didn't indicate how old the man is, but you have to be at least 65 years old to be eligible for medicare coverage. He may have retired early, since you can begin penalty-free withdrawls from IRAs at age 59-1/2. And for the few who have pension plans, they can often be eligible for payout at an even younger age. Some older workers may be more or less forced into early retirement due to downsizings or reductions-in-force.

I would say very few employers offer a medical insurance plan for retirees. The only ones I've seen that do are governments and major corporations.
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Old 05-02-2009, 07:51 AM
 
5,633 posts, read 13,949,548 times
Reputation: 2731
Quote:
Originally Posted by ged_782 View Post
He may have retired early, since you can begin penalty-free withdrawls from IRAs at age 59-1/2.
Do you know if you are penalized for early withdrawal of contributions from ROTH IRAs?
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Old 05-02-2009, 09:32 AM
 
Location: San Antonio
7,629 posts, read 14,347,560 times
Reputation: 18705
Quote:
Originally Posted by ged_782 View Post
Paka didn't indicate how old the man is, but you have to be at least 65 years old to be eligible for medicare coverage. He may have retired early, since you can begin penalty-free withdrawls from IRAs at age 59-1/2. And for the few who have pension plans, they can often be eligible for payout at an even younger age. Some older workers may be more or less forced into early retirement due to downsizings or reductions-in-force.

I would say very few employers offer a medical insurance plan for retirees. The only ones I've seen that do are governments and major corporations.
Yea, his factory shut down in PA so they took early retirement...financially they are sound, just want to remain that way and currently healthy, but without insurance.
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Old 05-02-2009, 02:55 PM
 
Location: San Antonio, TX
60 posts, read 125,994 times
Reputation: 21
I have no idea how much money people here make but you can look into a plan from the University Health System called CareLink. It is mostly for low income people and is cheap however their definition of low income is 3x (or less) of the national poverty line (which isn't that low income).
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