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Health Insurance (looking for)

The TVClubHouse: General Discussions: 2004 Aug - Oct: Health Insurance (looking for) users admin

Author Message
Julieboo
Member

02-05-2002

Tuesday, October 05, 2004 - 6:26 am   Edit Post Move Post Delete Post View Post    
My dh lost his job and I currently don't have a job (yikes). He has insurance until the end of the month. We are looking to buy a policy of our own til one of us gets a real job.

Anyone know of a good place where we can get relatively cheap insurance?

Faerygdds
Member

08-29-2000

Tuesday, October 05, 2004 - 6:31 am   Edit Post Move Post Delete Post View Post    
Pre-existing conditions????

Zachsmom
Moderator

07-13-2000

Tuesday, October 05, 2004 - 6:39 am   Edit Post Move Post Delete Post View Post    
what state?

Julieboo
Member

02-05-2002

Tuesday, October 05, 2004 - 6:46 am   Edit Post Move Post Delete Post View Post    
No pre-existing conditions, not even any meds we regularly take. We are in IL.

Zachsmom
Moderator

07-13-2000

Tuesday, October 05, 2004 - 6:58 am   Edit Post Move Post Delete Post View Post    
do you want an hmo or ppo?

Texannie
Member

07-16-2001

Tuesday, October 05, 2004 - 7:10 am   Edit Post Move Post Delete Post View Post    
So sorry about your dh's job!! Not sure it's cheap, but it's good. We have Blue Cross. It's so sucks having to pay for your own insurance!

Babyruth
Member

07-19-2001

Tuesday, October 05, 2004 - 7:17 am   Edit Post Move Post Delete Post View Post    
Julieboo, you may be able to extend hubby's insurance coverage (but pay the group premium yourselves) for up to 18 months after a job change/loss thru the COBRA Act. That way you have more time to find other coverage. Have your husband ask about it at work.

COBRA Act info

Faerygdds
Member

08-29-2000

Tuesday, October 05, 2004 - 7:17 am   Edit Post Move Post Delete Post View Post    
http://www.healthinsurancefinders.com/

Try the above link

Julieboo
Member

02-05-2002

Tuesday, October 05, 2004 - 11:19 am   Edit Post Move Post Delete Post View Post    
Thanks everyone.

We can get COBRA, but it is so EXPENSIVE! Especially ironic that you have to pay more than when ya had an income!!! So we'll check out some other options.

Thanks again and feel free to add any more suggestions or options that you come up with...

Max
Member

08-12-2000

Wednesday, October 06, 2004 - 2:01 pm   Edit Post Move Post Delete Post View Post    
COBRA is expensive because they really don't want you to use it -- if the government didn't require them to offer it, they wouldn't.

When I got laid off last year, I started a small business of my own (mostly a hobby and tax shelter) and also started doing contract work. I joined the National Associate for the Self Employed and got their group insurance. For about $230 a month(just for myself) -- much better than the $450 COBRA wanted -- I have major medical and vision insurance (their dental plan sucked), which isn't too bad. And, because it's a group policy, there's no physicals required or any worries about pre-existing conditions. http://www.nase.org

:-)



Texannie
Member

07-16-2001

Wednesday, October 06, 2004 - 3:22 pm   Edit Post Move Post Delete Post View Post    
Max, that sounds really interesting. I went to the site and requested info. Is there a good list of doctors to choose from? Would I be able to keep my current docs?

C_madison
Member

12-04-2003

Wednesday, October 06, 2004 - 3:36 pm   Edit Post Move Post Delete Post View Post    
Julieboo,

I know too much about this for myself, maybe this will be useful.

Finding and contacting a reputable general insurance agency in your town could be very useful. They have access to all the information for all health insurance companies that are admitted to do business in the state of Illinois.

If that is not helpful. You can always call your Department of Insurance, in Springfield, and ask for a list of those health insurance companies currently doing business in your state. Here is a link that may help.

http://www.ins.state.il.us/default2.htm