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rr
USA
45 Posts |
 Posted - 01/28/2003 : 14:13:13
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Can anything be done??
Just received new premium for self-employed or personal health insurance and was wondering if most Cat folks or in the same shape.
If so can anyone offer a suggestion other than going to the other side and becoming a democrat and live free with handouts. [just kidding]
This is becoming a problem for contract Cat adjusters that I have talked to and was wondering if any one has any ideas and how they are addressing this issue.
I have not seen this issue come up before and if it has please direct me to the forum.
Can CATO for a % contact a health insurance company and get some one to offer a pkg for storm troopers being in an organization??
Just wondering.
Rez
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CCarr
Canada
1200 Posts |
Posted - 01/28/2003 : 14:42:45
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Rez, big fella, you infer there is an 'organization' here in CADO?
Wow, you missed a lot of chat on that issue last year, which would pretty well set you straight on that - not being the case.
Also, last year or in 2001 there was some explorations regarding a 'group' plan, that didn't mature into anything to consider. |
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rr
USA
45 Posts |
Posted - 01/28/2003 : 16:02:11
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Thanks for the information
I still think if anyone could put it together it would help almost everyone.
Can a organization be formed and go out and get a provider?
Remember it is my thought and expect a % as someone will come up and do sooner or later at least I hope.
I feel some health provider out their would like to have some 2000 plus insured.
However after the speech tonight we might need to worry about it?
later and thanks for the response.
ps: can we get new responses from everyone and no offense cc and thanks again.
rez |
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JimF
USA
1014 Posts |
Posted - 01/28/2003 : 16:27:56
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Rez, a couple of years ago, I did in fact explore trying to find a health insurance carrier so we could conceivably set up a group health plan here through CADO. I contacted and had several lengthy discussions with several of the larger group health agencies which proved in the end to be fruitless.
Basically, what I discovered was that group health policies for loosely organized associations and groups generally appeal to older individuals and individuals with pre-existing health conditions which carriers do not want to write voluntarily.
I would welcome someone else taking a stab at trying to put something together, but I am cynical that their results would be any different in the end.
Hope this at least helps with making decisions from available choices. |
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visitcostarica
Costa Rica
15 Posts |
Posted - 01/28/2003 : 16:50:54
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Two alternatives:
NACA if the ever got anything off the ground, not sure I let my membership lapse as I don't play golf.
The RV clubs, Escapees the one I belong, has a fairly priced group plan.
Just my 2 centavos |
Done climbing roofs...try climbing into a hammock in Costa Rica http://www.visitcostarica.net |
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Jeanette
25 Posts |
Posted - 01/28/2003 : 21:05:17
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| We joined the local Farm Bureau and then got insurance through their group. It still isn't "cheap" at $308/month for family coverage. |
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Newt
USA
657 Posts |
Posted - 01/29/2003 : 09:01:47
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If Congress gets off their duff and gets some reform as GW suggested you folks could get some relief. But I don't want to hold my breath until it happens. They got elections and polls to worry about. Nothing will get done as long as the camera is rolling and photo ops are available.
Makes you wonder how this country survived without television and radio.
I have 100% coverage for life so I don't have that problem although I know yours must be a terrible burden, and in the same situation I would be lost. Even killers in prisons get the best of medical care. Reform is the only solution. I don't mean Tort Reform with no teeth. |
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pmarx
USA
1 Posts |
Posted - 01/29/2003 : 11:04:25
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Jeanette
I noticed you had quoted a price of $308 for health per month thru Farm Bureau
my wife and i have a small corp.and belong to the chamber of commerece to lower
our health ins.payment to $705 per month,i called Farm Bureau in our area and
was quoted a price of $1250 for the same coverage,we have Blue Cross,i would be
very happy to pay $308. |
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Jeanette
25 Posts |
Posted - 01/29/2003 : 11:14:46
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Patrick,
I'm sorry yours is so high. I know the prices vary according to region. Ours is BCBS, also. They have different plan types and our plan does require us to choose physicians and hospitals within their network or pay higher coinsurance costs. |
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rr
USA
45 Posts |
Posted - 01/29/2003 : 13:44:36
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I have a friend who tells me to sign up with the VA since I did serve.
Any comments??
rez
ps. PMarx I am paying now $650 month however when I bought it some 20 years ago it was $85 a month.
As I understand you are put into a pot when you buy it and can't get out and spread all cost etc to everyone in that pot.
thanks for the responses |
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rr
USA
45 Posts |
Posted - 01/29/2003 : 13:48:51
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Oh.
By the way I do have friend.
rez |
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Steve H
Switzerland
30 Posts |
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the ghost
USA
4 Posts |
Posted - 01/29/2003 : 14:12:19
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rr
Forget the VA: I too am a vet but if you make over 35,000 per year and have not registerd prior to Jan 01-2003 you have no medical benefits.However I too am in the same boat as far as looking for coverage.
the ghost |
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gcodom
USA
5 Posts |
Posted - 02/01/2003 : 18:11:39
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I have read the posts and here IMHO is the crux of the matter.
1. What is affordable and what is expensive is relative. Someone posted they were paying $308.00 for family coverage and thought it was high. When one considers the risk accepted by the carrier and the potential for paying benefits, $308.00 is very reasonable.
2. Groups are formed by formal organizations that have the ability to guarantee premium to the carrier. In some cases organizations are self insured and use the carriers as administrators to deal with handling and paying the claims. In either case, the organization absorbs most of the cost and passes it on to the employees as part of their benefits package. The premium the employee pays is mostly a token for the actual cost. In order for a group of adjusters to form a group, they would first have to form an Association that would be responsible for all administration costs and guarantee the premiums. Dues would have to be assessed to insure that the costs of operation could be covered. Without other benefits from the association, the costs of operation for health coverage only would be excessive. Hence a big bust.
3. Health coverage should not be evaluated by the costs, but by the carrier. Yes, they will cost more, however they will provide more and not be gone when you need them. The bottom line is that health costs are expensive. You can either pay for it in uncomfortable chunks each month or prepare for an enormous beating when you need it. Unlike other types of insurance that may never see a claim, health insurance is almost a certainty to have to pay a claim.
4. An average short hospital stay is in excess of $15,000.00. Anything involving extensive surgery or long term illness is unimaginable. The choices are limited. Someone must accept the cost of health insure; Either you or your employer. Since we are one in the same, the buck stops here. It is unlikely that health costs will fall, new technology will continue to drive costs up. As long as we want to live forever, the medical community will strive to provide that service. (With varying degrees of success of course)
5. Bottom line. Pay now or pay later. The choice is yours.
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Gale
USA
231 Posts |
Posted - 02/02/2003 : 13:37:24
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| One agent told me he went with $5K deductible so in his case he could face being out $20K in one year but at least he had major medical coverage and a card to present. $1200 a month is more than some working people take home especially as a greeter at WalMart. |
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HEALTH INSURANCE [HIGH]
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