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DaveHanson
- Senior Member - 6K
posted: Jul. 25, 2004 @ 4:39a 
I missed those last two questions, thanks kupop2 & SIS...
certainly open to a bare-bones policy, esp with those new "high-deductable" options that work with HSAs. Don't know of a $100 or even $200 a month policy tho... |
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mrbrett
- Member
posted: Jul. 25, 2004 @ 9:41a
i just set up my HSA and switched my $1500 deductible plan from UNICARE ($1224 annually) to UNICARE's HSA plan 2 with the $2600 deductible ($912 annually) effective 8/1. then did the maximum adjusted contribution of $1083.33 for 2004 to the HSA account (at american chartered)
my health related expenses are few and far between and consist mostly of biannual dentist visits and contact lenses. nice way to save some income/payroll taxes while i'm at it  |
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Tealight
- Senior Member - 1K
posted: Jul. 25, 2004 @ 11:29a
Becoming a member of the Better Business Bureau entitles you to get in on their group insurance for business owners. Though I don't know the prices of the insurance, I understand that you must pay for your membership to BBB to get the rates. At least worth looking into. |
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kkerty89
- Senior Member
posted: Jul. 26, 2004 @ 4:01p
DaveHanson said:I missed those last two questions, thanks kupop2 & SIS...
certainly open to a bare-bones policy, esp with those new "high-deductable" options that work with HSAs. Don't know of a $100 or even $200 a month policy tho...
Dave I am a small GROUP health insurance underwriter, if there were any specific questions that you had pertaining to getting group insurance and how to minimize the cost I would be glad to help. Small group insurance is guaranteed issue. I cant recommend specific carriers, i.e. carrier A will always be lower than carrier b, but I may be able to recommend things an agent can not always do because there are many variables running at different slopes but what I can do is, i.e. what is your groups SIC code .... well .... you may wish to rethink that to this similarly titled code, because it is considered a lower risk industry. I dont want to go off on a lot of tangents without the questions though. If you have some I'll try my best to answer. |
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optical
- Senior Member - 1K
posted: Sep. 9, 2004 @ 12:12p
I'm thinking of going with a Bluecross PPO Share 2500 plan which basically you have pay 30% of all costs after $2500 yearly deductible. Deductibles are waived for office visits.
According to my agent, he is saying that rates are pre-negotiated between the Bluecross and the providers which are much more less than you walking in w/o insurance. These are 'secret' rates and are not advertised.
I'm not too concerned about regular office visit as I'm they're limited but a bit worried about lab works, x-rays and such. These can quickly add up if following the 30% rule.
Also, I noticed this is not HSA compatible (from bluecross's website). Is that mean I can't use HSA with this?
Is this a smart move assuming you have to see the dr. a few times a yr for minor things (othen than colds and flus)?
Anyone know the typical rates for services? e.g. x-ray, blood tests, hospital stays, etc?
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optical
- Senior Member - 1K
posted: Sep. 16, 2004 @ 1:49p
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