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Started By
Message
Personal Insurance for small business owners
Posted on 5/10/17 at 3:25 pm
Posted on 5/10/17 at 3:25 pm
I am going to have to provide my own insurance for the 1st time in my life(just me--wife and kids are covered through her job). I made the mistake of filling out a form on some Obama Care website and have gotten spammed with 5-10 calls a day ever since. And the times I have answered, they've put me on hold. I need direction.
--I live in Louisiana
--I have no serious illnesses, but high blood pressure and cholesterol
--I am on 3 meds
--I am in my late 30s
Any suggestions?
--I live in Louisiana
--I have no serious illnesses, but high blood pressure and cholesterol
--I am on 3 meds
--I am in my late 30s
Any suggestions?
5
Posted on 5/10/17 at 7:53 pm to Hot Carl
quote:
I have no serious illnesses, but high blood pressure and cholesterol
--I am on 3 meds
Change your diet. You can purchase an individual policy from any major insurer. Obamacare is for those that have no where to turn
Posted on 5/10/17 at 7:57 pm to Hot Carl
What is your business?
Posted on 5/10/17 at 9:56 pm to autodd03
quote:
Change your diet.
I have begun
quote:
You can purchase an individual policy from any major insurer.
I know. I'm asking for recommendations.
Posted on 5/10/17 at 9:57 pm to autodd03
quote:
What is your business?
I'll never tell.
But one where I won't be able to afford super high premiums for the first little while or so.
Posted on 5/10/17 at 10:04 pm to Hot Carl
Look up Samaritans Purse, MediShare, or US Health Advisors.
All good cost effective health plans.
I have Medishare and am 33 with a wife and 3 kids and pay $477/month with a $2500 deductible.
All good cost effective health plans.
I have Medishare and am 33 with a wife and 3 kids and pay $477/month with a $2500 deductible.
Posted on 5/10/17 at 11:15 pm to Hot Carl
Why not use your wife's company provided group policy?
I guarantee it's better than any individual policy you can find.
I guarantee it's better than any individual policy you can find.
Posted on 5/11/17 at 6:34 am to Hot Carl
quote:
I'll never tell.
But one where I won't be able to afford super high premiums for the first little while or so.
I understand. Based on your interest question in the other thread, i know you have little understanding of finance. I just want to help you get going and hopefully avoid some of the pitfalls i experienced.
Posted on 5/11/17 at 6:55 am to autodd03
Call an insurance broker, they will be able to run your information through multiple providers and give you multiple options and price ranges. That's the best thing to do, it can vary City by city on what is best depending on who the hmo providers can be, how far your hospital is, etc.
Posted on 5/11/17 at 1:05 pm to autodd03
quote:
Based on your interest question in the other thread, i know you have little understanding of finance
I don't dispute that.
But my math and suspicions were actually correct, hence the thread. Sure enough she had "slipped" some optional nonsense in there without explaining it and I called her out on it and had her remove it tout suite.
quote:
I just want to help you get going and hopefully avoid some of the pitfalls i experienced.
Posted on 5/11/17 at 1:07 pm to player711
quote:
Look up Samaritans Purse, MediShare, or US Health Advisors. All good cost effective health plans. I have Medishare and am 33 with a wife and 3 kids and pay $477/month with a $2500 deductible.
$477 for all 4 of you with only a $2500 deductible? Nice.
Posted on 5/11/17 at 1:09 pm to LSUAlum2001
quote:
Why not use your wife's company provided group policy?
Don't want to go too far down this road, but let's just say that's not an option.
Posted on 5/11/17 at 1:19 pm to Hot Carl
Damn. That sucks.
I looked into insurance outside of work. It's ridiculously expensive for a family. Hopefully you can find a good policy just for you.
I've been under several policies and I've found that United Healthcare is the best out of Cigna, Aetna, Humana and UH.
I looked into insurance outside of work. It's ridiculously expensive for a family. Hopefully you can find a good policy just for you.
I've been under several policies and I've found that United Healthcare is the best out of Cigna, Aetna, Humana and UH.
Posted on 5/11/17 at 1:43 pm to Hot Carl
quote:
But my math and suspicions were actually correct, hence the thread. Sure enough she had "slipped" some optional nonsense in there without explaining it and I called her out on it and had her remove it tout suite.
Good! Figured there were some fees rolled in. Best of luck!!!
Posted on 5/11/17 at 2:26 pm to Hot Carl
What's your combined income?
Posted on 5/11/17 at 2:56 pm to player711
quote:
I have Medishare and am 33 with a wife and 3 kids and pay $477/month with a $2500 deductible.
I envy you
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