Self pay health coverage

Currently paying $184 per month with Blue Cross/Blue Shield for a $3500 deductible + $3K out of pocket PPO plan with medical only. I can't afford a low deductible, low out of pocket PPO plan because of a pre-existing condition. The premiums would be $300 a month.

Checked into CIGNA because I want to save money and add dental coverage. $171 for a $3K deductible + $4K out of pocket PPO plan with dental coverage. Unfortunately, the dental coverage only covers $1K per calendar year. I'm pretty sure a couple of fillings/crowns would eat that up and something like a root canal would cost me a fortune out of pocket.

Does anyone have any suggestions on other companies. I'm tired of paying over $2K a year for something I'm not even using. I haven't even seen a doctor in over 2 years, but I learned the hard way about being uninsured in the event of an emergency.

I got a thing in the mail the other day that Costco is now offering health insurance. I haven't checked it out but might be something worth looking into.

Do you own your own business? Set it up correctly so you can take a tax deduction for your premiums.

I would look into unions, clubs, professional organizations, etc... for group health insurance. I'm a member of a real estate investing organization and through their national association they offer group health insurance.

http://www.woodmen.org/

Catastrophic or High Deductible Plans
http://www.ehealthinsurance.com/health-plans/catastrophic-insurance/

HSA - Health Savings account
http://www.kiplinger.com/features/archives/2004/02/hsa.html

He found several co-workers insurance when our employer dropped coverage:
Bernie Bogrow
Bogrow Insurance Group
7135 Cherry Bluff Drive, Ste. 180
Atlanta, GA 30350
Phone: 770-392-1633, 678-358-8101
Email: bernie@bogrowinsurance.com
Website: http://bogrowinsurance.com

National Association for the Self-Employed:
http://www.nase.org/BenefitsHome.aspx

I've got an Aetna plan through Costco. I'd recommend looking elsewhere. For me, spouse and one dependent, $625/mo, $7000 deductible, and I gotta pay the first dollar of every visit and every prescription until I reach the deductible.

Looking for a better deal myself.

im with ya dawg, wife & I pay 700 quarterly, and we hardly use it, really just her, and shoot have to pay just as much as if you didnt have ins. But like you dont want to find out the hard way to not carry any.

dwhee87 said:

I've got an Aetna plan through Costco. I'd recommend looking elsewhere. For me, spouse and one dependent, $625/mo, $7000 deductible, and I gotta pay the first dollar of every visit and every prescription until I reach the deductible.

Looking for a better deal myself.

Click to expand...

Check BCBS of georgia. A family of 4. ages 43, 41 , 18, and 15. smart sense plus plan. 5000 deductible. I was quoted 356.97 per month.

If your paying for prescriptions out of pocket, look into Sam's Club or Costco. Several medications were about half of other stores.

dwhee87 said:

I've got an Aetna plan through Costco. I'd recommend looking elsewhere. For me, spouse and one dependent, $625/mo, $7000 deductible, and I gotta pay the first dollar of every visit and every prescription until I reach the deductible.

Looking for a better deal myself.

Click to expand...

Definitely shop around, that is way to high. Consider bumping up to a whole family $10,000 deductible and your co-pays. I pay around $350 per month and I have a wife and two kids.