Insurance

[Thy Geekdom Come]

Okay, so I'm no longer on my father's health insurance because I'm no longer a student. Anyone have any advice on good companies, etc.? Jen's hoping to get a job once we're married with a company that has really good insurance, so I'll switch over to that as soon as I can, but I need something in the meantime...I have no prescriptions and I haven't gotten sick and thrown up in over 10 years or had a fever in an even longer time, so I don't really care how much I would save on prescriptions and I'm not all that concerned with how little a copay would cost me (although that's a little more likely to be an issue than prescriptions), but I'd especially like something with a lower premium. The company my church uses would charge $150/month for just me alone, which simply isn't affordable when you're making a youth minister's salary.

Anyway, anyone know of anything better?

Thanks.

God bless,

Micah

[Lil Red]

wow, the diocese charges me $50. course, to add my hubby & my daughter, i would get charged $750/month. def not feasible

[Thy Geekdom Come]

[quote name='Lil Red' post='1288189' date='Jun 4 2007, 05:10 PM']wow, the diocese charges me $50. course, to add my hubby & my daughter, i would get charged $750/month. def not feasible[/quote]


I think it's so sad that the Church preaches liveable wage and all that and then doesn't get enough financial contributions to back it up.

[Lil Red]

[quote name='Raphael' post='1288193' date='Jun 4 2007, 04:16 PM']

I think it's so sad that the Church preaches liveable wage and all that and then doesn't get enough financial contributions to back it up.[/quote]
well, my parish does get enough in contributions, but just doesn't pay their employees a livable wage. right now i'm hoping to get my daughter into SCHIP, which is a state-funded children's insurance program, because i can't afford to put her on my plan.

[Old_Joe]

I have blue cross and blue shield. My office visit copay is only $30, and prescription dpends on the medication and whether or not it's preferred by them.

[Thy Geekdom Come]

[quote name='Lil Red' post='1288195' date='Jun 4 2007, 05:19 PM']well, my parish does get enough in contributions, but just doesn't pay their employees a livable wage.[/quote]
Yeah, that makes me even more sad.

[Mercy me]

Call an independant insurance agent. There is such a thing as short term health insurance and there is even insurance market toward recent college graduates in need of health insurance. Sometimes you school might have some information.

[Birgitta Noel]

[url="http://www.ehealthinsurance.com/"]http://www.ehealthinsurance.com/[/url]

[MIKolbe]

I will PM you with the phone # to our insurance agent (at work) if you want....

[cmotherofpirl]

[quote name='Raphael' post='1288181' date='Jun 4 2007, 06:56 PM']Okay, so I'm no longer on my father's health insurance because I'm no longer a student. Anyone have any advice on good companies, etc.? Jen's hoping to get a job once we're married with a company that has really good insurance, so I'll switch over to that as soon as I can, but I need something in the meantime...I have no prescriptions and I haven't gotten sick and thrown up in over 10 years or had a fever in an even longer time, so I don't really care how much I would save on prescriptions and I'm not all that concerned with how little a copay would cost me (although that's a little more likely to be an issue than prescriptions), but I'd especially like something with a lower premium. The company my church uses would charge $150/month for just me alone, which simply isn't affordable when you're making a youth minister's salary.

Anyway, anyone know of anything better?

Thanks.

God bless,

Micah[/quote]
That is really cheap dearie. My ex is adding my son to his plan and its $300 a month.

[cmotherofpirl]

[quote name='Lil Red' post='1288195' date='Jun 4 2007, 07:19 PM']well, my parish does get enough in contributions, but just doesn't pay their employees a livable wage. right now i'm hoping to get my daughter into SCHIP, which is a state-funded children's insurance program, because i can't afford to put her on my plan.[/quote]
You should be covered by WICC.

[N/A Gone]

I was thinking that. In minnesota you can be covered if you do not make enough.

[CrossCuT]

[size=1]Minnesota rocks
[/size]

[Proud2BCatholic139]

With my preschool job in Tampa, when I work full time, I will get health and other insurance for either free or 10 dollars a month. That is what I believe.

[Jaime]

When I was doing youth ministry (well the first gig I had health insurance) the second go round I took out emergency health insurance. It was only to be used if I broke a leg or needed surgery. the deductible is huge but its far less than what it would cost for a broken leg.

and it it was a one lump sum.

something to consider

[Sojourner]

I have thought about risking it ... insurance is pricey and I am pretty healthy ... but the wiser part of me knows not to do that. Sigh.

I would personally go with a major medical plan ... no frills, but you're covered if anything big happens. A high deductible health plan coupled with a Health Savings Account could also be a good way to go.

Insurance is super expensive, though. I think employers are going to be less and less likely to offer great insurance plans because the premiums are so outrageous.

[Mercy me]

I agree with you Terra. The rate of increase in the price of insurance is going to make it very difficult for companies to provide coverage.

[jmjtina]

YOu mean I should be getting PAID?!!!!!!!!!!!!!!!!!!!!

Naw, when the parish is out in the boonies, it is more common for the YM to be volunteer.

[homeschoolmom]

[quote name='CrossCuT' post='1288470' date='Jun 4 2007, 11:35 PM'][size=1]Minnesota rocks
[/size][/quote]

[Archaeology cat]

I'm suddenly very glad to be covered by the NHS. In the US I had Aetna through my job, and was with Blue Cross/Blue Shield before that. But I don't remember all the info.