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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.
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.
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.
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.
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.
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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