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Old 06-13-2009, 07:06 PM   #1
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Unhappy 2300 bucks a month for health insurance

My Medical Mutual plan just gave me notice that they are increasing my premium (just for me) from $2,000 to $2,300 a month starting in July. I also have a high deductible. Does anyone pay THIS much for their private health insurance? This takes ALOT of our income. My husband and kids have Anthem but they, and other insurance companys won't take me because I have so many medical conditions. I wish I could do without it. I've gone to a lawyer to find out about disability, and he said 1) my husband makes too much and 2) I only have about nine years of work credit. Anyone paying this MUCH??-just call me "insurance poor Janiee"

Last edited by janiee08; 06-13-2009 at 07:09 PM. Reason: needed question mark

 
Old 06-19-2009, 02:07 PM   #2
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Re: 2300 bucks a month for health insurance

Did your husband enroll you in his plan when it first started (if it is an employer based plan)? If so then there could be a period where conditions would be considered pre-ex if you had no prior group insurance coverage. But then later no pre-ex would apply.

However if you did not enroll when first eligible and now want to enroll they can deny you as you won't pass their medical underwriting guidelines.

The price you pay for individual health insurance is based on your medical history, age, etc. So the amount you are being charged is high but not unheard of. See if you can increase your deductible to lower your monthly cost.
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Old 06-21-2009, 05:31 PM   #3
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Re: 2300 bucks a month for health insurance

I'm sorry to hear that you pay so much just for yourself~that's absolutley incredible. It's getting to be that the only ones who are going to have Insurance are going to be the very "Elite", we have to go back to a time before anyone had insurance, and medical care was affordable. I have a paid hospital bill my Grandmother paid in 1943 for a 14 day stay in the hospital~103.00 dollars. this insurance today is getting so out of hand. I'm sorry for sounding off but I just got so discusted when I seen how much you have to pay.

 
Old 06-22-2009, 01:07 PM   #4
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Re: 2300 bucks a month for health insurance

Quote:
Originally Posted by JERRY 104 View Post
I have a paid hospital bill my Grandmother paid in 1943 for a 14 day stay in the hospital~103.00 dollars.
Using the US consumer price index calculator at http://www.bls.gov/data/inflation_calculator.htm , $103 in 1943 is like $1273.25 in 2009. Or about $90 (2009 dollars) per day for the 14 day stay.

 
Old 06-23-2009, 05:41 PM   #5
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Re: 2300 bucks a month for health insurance

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Originally Posted by tjlhb View Post
Using the US consumer price index calculator at http://www.bls.gov/data/inflation_calculator.htm , $103 in 1943 is like $1273.25 in 2009. Or about $90 (2009 dollars) per day for the 14 day stay.
Try finding any hospital today for 90.00 per day for nothing more than staying there~can't be done. You made my point, any type of healthcare is just so out of control.

 
Old 07-18-2009, 12:35 PM   #6
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Re: 2300 bucks a month for health insurance

Thanks for all who commented. Spine AZ, My parents are self-employed and my husband works for them in their business. There is no way my parents could ever pay their employees for health insurance. If they ever had to, they would just have to close up. Also, I am @ the largest deductible. This month, when they increased it from 2000 bucks a month to 2300 a month, they didn't give me any alternatives like they did before, e.g., an even higher deductible. Medical Mutual (my insurance co.) says when they increase anyone's premium, it's not due to how much I use it, but rather how much people in my state(Ohio) use their insurance. At more than 27,000 dollars a year just for health insurance, (and they don't pay for everything, also no dental,eye or psych) I'm thinking of canceling it. I just can't afford to live like this--janiee08. P.S. I forgot to mention my husband pays for his own private policy with Anthem which include the kids. That's another 1,000 dollars a month

 
Old 07-19-2009, 08:46 PM   #7
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Re: 2300 bucks a month for health insurance

Wow, I wish I had an answer for you. That's why my husband and I only work for companies that have health insurance as a benefit. With my medical history it's not an option to work for a smaller employer or one that does not offer health insurance.
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Old 07-28-2009, 03:40 PM   #8
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Re: 2300 bucks a month for health insurance

Are you on a group plan or an individual plan? Try getting quotes from different Insurance companies.
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Old 08-18-2009, 10:13 AM   #9
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Re: 2300 bucks a month for health insurance

I'm on an individual plan. This 2300$ a month is just for myself, and I just don't know how much longer I can keep it up (financially). It's Medical Mutual. If the gov. doesn't come up with something by the end of the year, I think I'm going to have to go without health insurance. Once the kids go back to school next week, I will be looking into Kaiser. Anyone have any ideas as to other insurance company's to look into?? --janiee08

 
Old 08-18-2009, 10:26 AM   #10
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Re: 2300 bucks a month for health insurance

Janiee, you are not going to find coverage with an individual plan that will cost substantially less.


edited


your best bet is really for you or your husband to find a job at a company that offers a group plan. This seems drastic, but it is really the only way you are going to get affordable coverage, period. Sorry, but I went through this with my dad before his Medicare kicked in. You can apply for disability status with social security, which would make you eligible for Medicare, but not for 2.5 years after the determination is made that you are in fact disabled.

Last edited by Administrator; 11-01-2009 at 03:49 PM.

 
Old 09-03-2009, 10:43 PM   #11
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Re: 2300 bucks a month for health insurance

um, wow. 2300 a month? i pay only 70 thru employer...and when i had blue cross it was only 130. i'm on social security disability and will receive medicare in 2 years. i had medicaid when i had ssi but now that i dont get it they cut it off. for ssdi, it doesnt matter how much your husband makes...atleast that was what i was told. if he was quoting you for ssi, then, your income has to be less than 674 or something like that (tx, anyways) some states supplement it. mine doesn't. anyhow....in texas there is a government plan called the high risk pool, and depending how old you are, the most is like $500. you are being ripped off by far!!!!
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Old 10-10-2009, 06:26 PM   #12
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Re: 2300 bucks a month for health insurance

My rate is 750 per month. I thoiught that was high. Yeaks....
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Old 11-01-2009, 12:47 AM   #13
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Re: 2300 bucks a month for health insurance

My insurance premium one year was over $1,800 month, not including co-pays, just for me. The next year, they priced me out of the market (the infamous "year without insurance", which, having diabetes and heart failure, just about bankrupted me — and that's with no hospital stays that year). So I feel you pain.

I don't know what your business is, but here's something that worked for me.

My wife and I operate a small graphic design business. We became members of an related-industry professional association and immediately became eligible to offer health insurance benefits to our employees — the two of us!

Their "health trust" operates nationwide, like a miniature Medicare, covering tens of thousands of employees at large and small firms, so the risk is spread out, and the coverage is better and cheaper — not cheap, just cheaper. And they can offer a variety of plans; I can choose from about 12 plans with differing coverage and price ranges.

For example, my current plan allows me to choose my doctors (mostly specialists), has no pre-existing condition restrictions, covers prescriptions, office visits, and procedures with low co-pays, and has no lifetime cap. Every time I've needed meds, hospitalization, tests, or medical equipment, it's paid for.

For this, the premium is about $850 per month; with co-pays, it works out to about $1,200 month (I take a LOT of medications and require quarterly office visits to four doctors, and so far in the last year, five hospitalizations).

I consider this price to be a bargain, especially these days.

Of course, I can still work and maintain a good income from our client base, so my fear is becoming too sick to continue — and paying the costs. We're working on that...

Check out industry associations, especially if you're in an industry with many large businesses with many covered employees that can spread out the risk and cost of covering members. Be patient: it took my wife over 18 months to find this solution.

Hope this helps.

 
Old 12-22-2009, 09:29 PM   #14
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Re: 2300 bucks a month for health insurance

Graphic Bass, I was wondering if you could explain more about these health trusts- like name them if allowed. Also, the industry associations. I just put you on my contact list if that helps. Thank You!!--janiee08

 
Old 12-24-2009, 04:24 AM   #15
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Re: 2300 bucks a month for health insurance

Quote:
Originally Posted by janiee08 View Post
Graphic Bass, I was wondering if you could explain more about these health trusts- like name them if allowed. Also, the industry associations. I just put you on my contact list if that helps. Thank You!!--janiee08
Hey Janiee,

It's not much more than I described, actually. The industry association I belong to, which is the Printing and Imaging Association of Georgia, used to offer a standard policies to association members -- in my case, I'm not a printer, but an associate member (graphic designer). I used that insurance for a couple of years, but as my claims experience grew (I have several expensive, chronic conditions that require frequent hospitalizations) my premiums grew to an amount I could not longer afford. The association, being limited to the state of Georgia, could not offer any plan I could afford since the membership base of the health plans was relatively small. So I endured the following "year-without-insurance," nearly going bankrupt.

Then the association's state-only benefit plan merged with a national plan to cover members from all 50 states, immensely increasing the number of subscribers paying into the plans. Therefore, I had access to about 24 different plans, instead of 6, providing a carrier more willing to accept a high-use customer in exchange for a higher-than-average premium.

For 2010, we've chosen a plan that will cover the entire family for about $30 a month more that a single individual plan cost in 2009. Of course, this is in addition to association dues at $250/quarter. And most plans require that you have at least two employees. For my small sole proprietorship, that's me and my wife, and, technically, my college-age daughter who helps out with production work. And, the premiums are deductible on your Schedule C.

There are PPO, POS and HMO plans available at varying levels of cost, deductibles and coverages.

If you do anything that relates to the printing industry, check out your state printing association. But other associations may have similar offerings. They're hard to find, since they involve lots of phone calls, but it is possible to get group coverage without an employer.


Hope this helps. Good luck. (I subscribe to this thread, so if you have any other questions, just post.)

gary

 
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