Author |
Message |
Julieboo
Member
02-05-2002
| Tuesday, October 05, 2004 - 6:26 am
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
Pre-existing conditions????
|
Zachsmom
Moderator
07-13-2000
| Tuesday, October 05, 2004 - 6:39 am
what state?
|
Julieboo
Member
02-05-2002
| Tuesday, October 05, 2004 - 6:46 am
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
do you want an hmo or ppo?
|
Texannie
Member
07-16-2001
| Tuesday, October 05, 2004 - 7:10 am
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
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
http://www.healthinsurancefinders.com/ Try the above link
|
Julieboo
Member
02-05-2002
| Tuesday, October 05, 2004 - 11:19 am
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
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
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
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
|