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Old 12-23-2008, 09:12 AM
 
Location: Falling Waters, WV
1,502 posts, read 7,068,159 times
Reputation: 815

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I am wondering what people are doing for health insurance while out of work. Does anyone know of a good company to get insurance while out of work? Even the jobs that my husband are applying for, the insurance is really expensive and doesn't cover anything (10,000 deductible) is not worth the price per month. It just seems we could get it on our own for cheaper from what I have been looking into.

I know there are a lot of insurance companies on the web but I just wonder if anyone has any insight to them.
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Old 12-23-2008, 10:04 PM
 
Location: Houston, Texas
10,434 posts, read 47,289,632 times
Reputation: 10523
Im surprised no one responded to you yet. Usually when a thread starts on health insurance it gets 5 pages of responses a day. Those who are not for a national health care are wrong. That much we know.

There is no cheap insurance. COBRA probably is the cheapest but even that is equall to a mortgage payment. And like you said, so little is covered with high co-pays and ceiling maximums.

I have no answer except to wish like everyone else (except government employees) that our country will wake up and move into modern times next to countries some call third world countries.

I wish you much luck......
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Old 12-24-2008, 03:59 AM
 
Location: Florida
22,652 posts, read 23,304,491 times
Reputation: 26752
Cobra is often the most expensive.

One thing to consider.Even the worst policy if at a low price will give you continuous coverage which will prevent a possible denial in the future for pre-existing conditions should something arise in the meantime.
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Old 12-24-2008, 04:33 AM
 
4,247 posts, read 9,900,440 times
Reputation: 1477
Quote:
Originally Posted by desertsun41 View Post
Im surprised no one responded to you yet. Usually when a thread starts on health insurance it gets 5 pages of responses a day. Those who are not for a national health care are wrong. That much we know.

There is no cheap insurance. COBRA probably is the cheapest but even that is equall to a mortgage payment. And like you said, so little is covered with high co-pays and ceiling maximums.

I have no answer except to wish like everyone else (except government employees) that our country will wake up and move into modern times next to countries some call third world countries.

I wish you much luck......

Actually, universal health care has been identified as the number 1 cause for moveon.org for this year. So...there will be plenty of work to do at the grassroots level. Anyone serious about promoting universal health care should get involved with this organization. I know I am going to.

Yes, we can!
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Old 12-24-2008, 05:17 AM
 
201 posts, read 370,310 times
Reputation: 207
I pay for my own health insurance...$200 p/m, I believe the site to peruse is ehealthinsurance.com
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Old 12-24-2008, 10:18 AM
 
24,839 posts, read 35,072,507 times
Reputation: 11513
Quote:
Originally Posted by movin'on View Post
Actually, universal health care has been identified as the number 1 cause for moveon.org for this year. So...there will be plenty of work to do at the grassroots level. Anyone serious about promoting universal health care should get involved with this organization. I know I am going to.

Yes, we can!
How will it be paid for?? The tax base in the US gets smaller each day.
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Old 12-24-2008, 10:20 AM
 
24,839 posts, read 35,072,507 times
Reputation: 11513
All of our insurances go though one agent. It saves about $7,000 a year that way.
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Old 12-24-2008, 03:29 PM
 
Location: Up in the air
19,109 posts, read 28,774,413 times
Reputation: 16328
I've been on COBRA and HIPPA... and they're both miserable. If you have a condition that requires insurance, there are grants that you can apply for that will help you with the cost of keeping that coverage. I'm lucky to have the insurance I do... I was paying $1250 a month for Cobra (luckily I had the grant) and now I pay $36 a month for full HMO.
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Old 12-24-2008, 03:57 PM
 
Location: Moon Over Palmettos
5,978 posts, read 18,623,291 times
Reputation: 5073
When I did not have a job last year, we went with Golden Rule, a United Healthcare company. They cover in SC. Our premium for the family was $558 with a $2500 per person/$5000 family deductible. COBRA would have been $1200 per month otherwise. My dental COBRA at $84 was cheaper than individual dental at $110 so we went with COBRA on dental. Because I was continuously insured in the prior 18 months (had to provide proof of creditable coverage for that 18 months), pre-ex conditions are waived. Last year I was diagnosed with breast cancer and had to have a lumpectomy plus radiation. We would have been in serious debt had it not been for that. Like the other poster said, bite the bullet and get something to bridge your coverage. Then shop for less expensive ones while you're covered under the individual plan but don't let it lapse. It is your only protection for pre-ex conditions.
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Old 12-24-2008, 04:59 PM
 
4,247 posts, read 9,900,440 times
Reputation: 1477
Quote:
Originally Posted by Driller1 View Post
How will it be paid for?? The tax base in the US gets smaller each day.

Hows about we stop funding wars, take that same money, and pay for health care?
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