Results 1 to 6 of 6
  1. #1
    Senior Member Evolved Deli76's Avatar
    Join Date
    Sep 2011
    Location
    TX
    Posts
    951
    Blog Entries
    2

    Default Health Insurance

    I am at my wits end trying to find health insurance. Are there any other alternatives that you know of that would be fitting for a family of 3? I really only need something to cover major events such as car accidents, broken bones. After the call I got this morning, and fighting with Obamacare for the last 4 months, I AM DONE! I am thinking I have exhausted all my avenues, but maybe someone out there might have some info? We are self employed and dont have a lot of money. A bit of a tight budget.
    Bobo 13 yrs old - marches to the beat of her own drum, driven, out going and loud, yet she loves nature
    Booger Boy 21 yrs old - quiet, self assured, confident and laying his own path

    umbers cucumbers!!!!

  2. Ratings Request Leaderboard
  3. #2
    Senior Member Enlightened Artmama's Avatar
    Join Date
    Jan 2015
    Location
    NY
    Posts
    160

    Default

    ACA (Obamacare) providers and plans offered vary from state to state. Where I am in NYC there are a lot of options, but I know that is not the case everywhere, especially if your state didn't expand medicaid. Regardless of where you are, in general HMOs are cheaper as are catastrophic plans that have high deductibles but cover major emergencies. It sounds like that is what you are looking for, but as to how to find one, I'm afraid I can't much help...I do wish you luck!!!

  4. #3
    Senior Member Evolved Deli76's Avatar
    Join Date
    Sep 2011
    Location
    TX
    Posts
    951
    Blog Entries
    2

    Default

    well, I am not exactly sure what there problem is. We have spent many hours with them on the phone. They keep sending us letters saying they need more info. We ask what info they need and they tell us its the info we already sent....many many times. Then they say we "estimated" wrong. HUH? What is it you're looking for? What info do you need? What line item do I need to give you? Its an "estimation"! Do you NOT know what an estimation is? One lady couldn't tell us...even after 2 hours on the phone! Then we are told its too high. Them we are told its too low. I am scratching my head. This has been the conversation with them for the last 4 months or so. Emailing, uploading, snail mailing. We didn't have any problems the years prior, so I am clueless. I have been doing some extensive internet searching and found a health discount savings plan and aflac. I am also considering a health share plan.I also found a catastrophic plan for $142 per month with a $5000 deductable. Ill be doing a bit more research. I mainly worry about broken bones, car accidents and heart attacks. We'll see.
    Bobo 13 yrs old - marches to the beat of her own drum, driven, out going and loud, yet she loves nature
    Booger Boy 21 yrs old - quiet, self assured, confident and laying his own path

    umbers cucumbers!!!!

  5. #4
    Senior Member Enlightened
    Join Date
    Apr 2018
    Location
    CA
    Posts
    109

    Default

    I found myself in this same situation when DH's company was bought by another that would only cover the employee but not his family. I considered going without and just paying out of pocket should something happen. Then two things happened. I read a series of stories by Vox about sky-high hospital bills, and my son, riding his bike slipped on the driveway and skidded into the front of DH's truck parked on the curb. He had not been wearing a helmet. He hit the back of his head. Luckily, it was only against the soft flexy thing on the bumper. That was when I realized that a head scan could potentially cost us $12,000, and started looking at insurance options again.

    I considered the Obamacare options; the HSAs were the cheapest and you get to choose your doctors, which was important to us. In the end, we just bit the bullet and signed up with DH's company plan, because for what you get, Obamacare really wasn't all that affordable. The cost was very frustrating. In our state, there were a lot of negative reviews about a previously reputable company (Anthem Blue Cross)selling on the exchange. The phone help was really terrible. I got the sense that these people were working from home in their jammies and feeding their dog under the kitchen sink at the same time. One girl said she would make an appointment for me at a local branch. Then when I got there, they didn't know who I was. I do recommend going in if you can, because all they do is punch in some numbers and give you a quote.

    After Obamacare, our premiums went from $321 to over $800 a month for three people. Nuts.
    Homeschooling an only, DS9

  6. #5

    Default

    We have gone through this in Colorado for a few years as well. I've spent hours and hours on the telephone sorting out health insurance and I get a different answer from each person each time. FWIW, in Colorado, they double-check the information you give them with the state's employment/tax information, and if there is a discrepancy, they deny you coverage. Is it possible you are showing up as making more money than you actually do?

    We are also self-employed and recently resorted to setting up as an S-corp to where we pay ourselves payroll. The accountant said it would be a money saver - I feel like every time I turn around there's some other entity we have to pay. But... what we make as payroll is taken as our income rather than what the business holds, if that makes sense. DM me if you want to know more about that from what I know, at least.

  7. #6
    Senior Member Evolved Deli76's Avatar
    Join Date
    Sep 2011
    Location
    TX
    Posts
    951
    Blog Entries
    2

    Default

    I got a rude awakening monday morning saying it was yet again denied. I yelled. DH said to wait it out, I said cancel. Going on too long. Then yesterday at the dentist I get yet ANOTHER call saying DH missed his appointment fro his application for medicaid. I was in a dentists office. That was the only thing that kept me from losing it. I called my husband, he called them and they said it was a possible scam. We didnt apply for adult medicaid.
    We found out yesterday the paperwork went through for our insurance, but not for dd's ins/medicaid. We will see what happens there.

    Before ACA we paid $135 for 4 people. With the ACA it fluctuates between $90 and $150. It changes from year to year. Odd?

    I did tell DH, one more mess up and its cancelled. Thats it. Done. Finished. Ill take one of the 4 options above. Save myself the misery.

    Thank you all very much for the info.
    Bobo 13 yrs old - marches to the beat of her own drum, driven, out going and loud, yet she loves nature
    Booger Boy 21 yrs old - quiet, self assured, confident and laying his own path

    umbers cucumbers!!!!

Tags for this Thread

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
About us

SecularHomeschool.com was created to provide information, resources, and a place to share and connect with secular homeschoolers across the world. Secularhomeschool.com aims to be your one-stop shop for all things homeschool! We will be highlighting information about wonderful secular homeschool resources, and keeping you up to date with what is going on in the world of secular homeschooling. But that is only the beginning. SHS is your playground. A place to share the things that are important to you. A place to create and join groups that share your interests. A place to give and get advice. There are no limits to what you can do at Secular Homeschool, so join today and help build the community you have always wanted.

SecularHomeschool.com is a community and information source where secular homeschoolers ARE the majority. It is the home for non-religious homeschoolers, eclectic homeschoolers, freethinking homeschoolers AND anyone interested in homeschooling irrespective of religion. This site is an INCLUSIVE community that recognizes that homeschoolers choose secular homeschool materials and resources for a variety of reasons and to accomplish a variety of personal and educational goals. Although SecularHomeschool.com, and its members, have worked hard to compile a comprehensive directory of secular curricula, it does not attest that all materials advertised on our site, in our newsletters, or on our social media profiles are 100% secular. Rather, SecularHomeschool.com respects the aptitude of each individual homeschool parent to fully research any curriculum before acquiring it, to ensure that it holistically meets the educational, personal, and philosophical goals of each homeschooler.

Join us
Health Insurance