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Old 08-14-2008, 09:04 AM
 
Location: Raleigh
237 posts, read 727,933 times
Reputation: 112

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We are trying to set up healthcare here now. As a sole proprietor, I am finding the insurance cost for a family to be extremely high. Does anyone know anything about United Healthcare or their PPO plans? Everything is pretty confusing to me.
Thanks for any info.
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Old 08-14-2008, 09:11 AM
 
Location: Virginia (again)
2,697 posts, read 8,313,362 times
Reputation: 1557
Quote:
Originally Posted by mbjjbtb View Post
We are trying to set up healthcare here now. As a sole proprietor, I am finding the insurance cost for a family to be extremely high. Does anyone know anything about United Healthcare or their PPO plans? Everything is pretty confusing to me.
Thanks for any info.
My husband owns a company which he started last year. When we started we had only 3 employees taking insurance. Over the last year that number has grown to about 30. We started out with BCBS PPO. Our family rate for us was about $1200 (of course it depends on copays and deductibles) but some of our employees' family insurance cost us almost $2000 / month (because they were older). We are in the process of switching to UHC PPO which is considerably cheaper (in part because we have more employees now). We matched the deductibles/copays, etc and verified that the network included our employees doctors. So far, so good.
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Old 08-14-2008, 09:18 AM
 
Location: Raleigh, North Carolina
331 posts, read 1,264,230 times
Reputation: 129
Find an agent that can explain the difference in plans. It doesnt cost you anything.
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Old 08-14-2008, 11:49 AM
 
Location: North Carolina
531 posts, read 1,903,334 times
Reputation: 304
Health insurance is designed to be confusing, hoping that we'll buy a plan and then live with the consequences.

A very helpful independent agent once told me an important question to ask about health insurance: does the company do yearly reunderwriting? This is the process whereby each year your health insurance usage is reviewed. If you had a diagnosis of, oh, say cancer or high blood pressure, your rates will go up, maybe way way up.

BCBS, last I knew, does not do yearly reunderwriting: once you are assigned to a rate tier, you stay there. I believe they still have three tiers: very healthy (15% off), average, and sickly. Do ask about this when talking to an agent. Knowing the pricing gambits an insurance company uses is really more important than the starting rates, which may be just teasers to get you in the door.
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Old 08-14-2008, 03:07 PM
 
9,680 posts, read 26,056,193 times
Reputation: 4158
Wow $2,000/month.

Sounds like it's better to just quit work, go on welfare, and get Medicaid.

What's wrong with our country? Can't we match the UK and Canada?
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Old 08-14-2008, 03:10 PM
 
Location: Virginia (again)
2,697 posts, read 8,313,362 times
Reputation: 1557
Quote:
Originally Posted by saturnfan View Post
Wow $2,000/month.

Sounds like it's better to just quit work, go on welfare, and get Medicaid.

What's wrong with our country? Can't we match the UK and Canada?
Sorry, you misread. The employee wasn't paying $2000. He was paying $350. We picked up the rest. Our new family rate (for everyone regardless of age) is under $1000. Socialized medicine is a lousy solution. The government will provide half the service at twice the price.
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Old 08-14-2008, 05:56 PM
 
4,181 posts, read 10,759,397 times
Reputation: 5400
Quote:
Originally Posted by saturnfan View Post
Wow $2,000/month.

Sounds like it's better to just quit work, go on welfare, and get Medicaid.

What's wrong with our country? Can't we match the UK and Canada?
Sure, we can switch to socialized medicine - and then wait 2 years for an elective surgical procedure such as knee or hip replacements.
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Old 08-14-2008, 06:04 PM
 
Location: Raleigh
90 posts, read 227,295 times
Reputation: 39
I like picking my own doctor thank you. I don't want the government to do it for me. Let's not talk about socialized medicine. Why do you think the Canadians come to the United States for their health care? They are afraid of their own system.
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Old 08-15-2008, 09:17 AM
 
Location: Beautiful Raleigh, NC
532 posts, read 2,749,222 times
Reputation: 414
Hire a broker to shop the various carriers and plans for you. You pay nothing for their expertise.
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Old 08-15-2008, 09:21 AM
 
9,680 posts, read 26,056,193 times
Reputation: 4158
Quote:
Originally Posted by ljd1010 View Post
Sure, we can switch to socialized medicine - and then wait 2 years for an elective surgical procedure such as knee or hip replacements.
Better than waiting forever if you have no insurance.
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