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06-22-2007, 06:07 PM
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#1 (permalink)
| | My Kids Mom
Join Date: Feb 2006 Location: Massachusetts
Posts: 1,763
My Mood:  Points: 23,358.43 Bank: 588,957.37 Total Points: 612,315.79 |  Health Insurance
My husband's company is raising our premiums for health insurance soon to $135 per WEEK for our family. It makes me want to throw up. How are we supposed to afford this?! Does anyone know of any way to get cheaper health insurance somewhere else?! This makes me crazy!
__________________ Stay at Home Mom of Two Precious Girls
~ They amaze me every day ~ Me 30 ~ DH 28 ~ DD 2.5 years ~ DD 15 months
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Are not five sparrows sold for two cents? And yet not one of them is forgotten by God. Indeed, the very hairs of your head are all numbered. Do not fear; you are worth more than many sparrows. Luke 12:6-7
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06-22-2007, 07:54 PM
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#2 (permalink)
| | Yes, I am Perky!
Join Date: Oct 2005 Location: NY - The state not the City
Posts: 3,770
Points: 42,411.78 Bank: 3,978,973.62 Total Points: 4,021,385.40 |
((HUGS)) Health Insurance companies along with our health system are evil!
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PCOS, Male Factor Infertility, and One Tube Wonder! Surprise BFP 10/6/05, Placenta Previa 11/05 Incompetent Cervix and Pre-term Labor 3/13/06 DD born 5/06
Join us on the Monthly Breastfeeding support thread in the mommy board!
A Friendly, Open Board for ALL Cysters.
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06-22-2007, 08:23 PM
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#3 (permalink)
| | Registered User
Join Date: Apr 2007 Location: Texas, ya'll!
Posts: 332
My Mood:  Points: 1,125.37 Bank: 114,011.35 Total Points: 115,136.72 |
JoEllen - I totally understand. It's ridiculous the amounts they can charge - you'd think it'd be illegal.
My sister has leukemia and is on disability. As such, she receives about $1000 from social security, but the Cobra she's on has now raised her rates to $810/month. Add to that the copays on all her medications and doctor visits, and she's wiped out. How can anyone, let alone someone with a serious illness, live while paying those kind of premiums. When she speaks to her insurance company, they say they're following federal guidelines about how much to raise rates. Then the individual looks at her premium and essentially says, "Wow. You're hosed."
And because she owns a home, all those patient advocates or patient assistance programs won't help her. You have to be completely destitute to receive any kind of assistance. It's so frustrating because she's been a responsible adult, thought she was doing the right thing to be protected, paid her taxes, disability, insurance, etc, and then when we need it the most, they let us down. Oh, and she's not eligible for the high-risk state insurance pool because someone (Cobra) is offering to insure her.
Sorry to hijack your thread. This just makes me so angry, and I don't think enough people know what's going on. I wish I had an answer for you...
__________________ Keleigh (40) + Chris (37), married 3/11/00.
Furbabies: 2 canine, 2 feline, love 'em all!
Blog:
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Pre-2006 - DX with PCOS & Endo. 1 blocked tube.
6 mths Clomid, Lupron, 3 laps, 6 IUIs, 2 IVFs.
6 years of trying... no pregnancy.
9/06 - Pregnant the old fashioned way! (Go figure.)
10/06 - blighted ovum
4/18/07 - Shocker BFP!!
We have heartbeat!
5/16/07 - m/c at 8 weeks
and we're done. we apparently weren't meant to be parents.
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06-22-2007, 09:35 PM
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#4 (permalink)
| | Domestic Goddess
Join Date: Jul 2006 Location: Canton, GA
Posts: 4,171
My Mood:  Points: 42,920.21 Bank: 4,294,690.59 Total Points: 4,337,610.80 |
JoEllen--
The rates for insurance in the Northeast are out of this world. When we still lived in NJ the rates for the insurance through my husband's work was over $400. It is half of that for us here. I wish I could tell you going with private insurance is cheaper, but we did that for a little bit and it wasn't. (and that was here in GA)
Sorry I couldn't be of much help.
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Sarah 30
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DH Patrick 30
Expecting Miracle #3
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Inside this body lies that of a skinny woman,
But I usually SHUT HER UP with CHOCOLATE
Prenatals and Glyburide
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Betas: 11/14: 18.4, 11/16: 40, 11/19:198 11/26:4785, 12/5:40000
Madelyn (Maddie) Diane is not coming anytime soon.
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06-22-2007, 10:12 PM
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#5 (permalink)
| | My Kids Mom
Join Date: Feb 2006 Location: Massachusetts
Posts: 1,763
My Mood: Points: 23,358.43 Bank: 588,957.37 Total Points: 612,315.79 |
Ah well, thanks girls for listening. I agree this system is totally screwed up. It's tempting to go without insurance and just save the $7000 we pay a year in premiums and use that to pay out of pocket for doctor's visits. But I guess you never know when you might need to go into the hospital. Besides, here in Mass it's the law now that every resident must have heath insurance or you get charged penalties. I know one thing they do is they won't let you take certain deductions on your income tax return.
It's just wrong.
Keleigh, sorry about your sister. It's always the good people who do things the right way who get screwed isn't it? 
__________________ Stay at Home Mom of Two Precious Girls
~ They amaze me every day ~ Me 30 ~ DH 28 ~ DD 2.5 years ~ DD 15 months
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Are not five sparrows sold for two cents? And yet not one of them is forgotten by God. Indeed, the very hairs of your head are all numbered. Do not fear; you are worth more than many sparrows. Luke 12:6-7
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06-25-2007, 12:10 AM
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#6 (permalink)
| | Missing My Sweet Angel's
Join Date: May 2006 Location: USA
Posts: 2,108
My Mood:  Points: 31,205.32 Bank: 33,414.90 Total Points: 64,620.22 |
We pay over 680 dollars a month for Blue Cross through DH's work. But we found a place called Insurance Giant, that we will be switching over to in December. We have to wait because that is when the current contract expires. GRRR!! Anyway, with Insurance Giant we will pay about 350 a month, for Blue Cross and MORE coverage!!!!!
Check them out... they are going to save us a ton! 
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On a TTC break... Goal: Lose weight!
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06-25-2007, 12:11 PM
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#7 (permalink)
| | Registered User
Join Date: Sep 2005 Location: South Dakota
Posts: 856
My Mood:  Points: 11,504.20 Bank: 85,868.81 Total Points: 97,373.01 |
Just want to offer a hug. I feel blessed that I dont pay anything out of pocket for my health insurance but my parents are going through the struggles with Blue Cross Blue Shield right now...cant afford to have it but yet cant afford to not have it
__________________
Anne & Kyle
DX with PCOS 11/05.
Buproprion 300 mg
Metformin 1000 mg
Lo Ovral 28
Angels in Heaven Above
Bailey Jo--7/05
Maya Ruth--9/06
Avery Rae--1/07
Aric Lee--1/08
TOC--Fall 2008 | |
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06-25-2007, 01:07 PM
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#8 (permalink)
| | My Kids Mom
Join Date: Feb 2006 Location: Massachusetts
Posts: 1,763
My Mood: Points: 23,358.43 Bank: 588,957.37 Total Points: 612,315.79 |
Exactly..can't afford it, can't not afford it.
Does anyone know if there is a such a thing as health insurance just for hospital stays? We'd be willing to pay low premiums for hospital-only insurance and just pay out of pocket for regular doctor visits.
__________________ Stay at Home Mom of Two Precious Girls
~ They amaze me every day ~ Me 30 ~ DH 28 ~ DD 2.5 years ~ DD 15 months
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Are not five sparrows sold for two cents? And yet not one of them is forgotten by God. Indeed, the very hairs of your head are all numbered. Do not fear; you are worth more than many sparrows. Luke 12:6-7
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06-25-2007, 07:32 PM
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#9 (permalink)
| | JosieFB
Join Date: May 2006 Location: Nashville
Posts: 753
My Mood:  Points: 22,503.43 Bank: 0.00 Total Points: 22,503.43 |
Quote:
Originally Posted by Carpathia01  Does anyone know if there is a such a thing as health insurance just for hospital stays? We'd be willing to pay low premiums for hospital-only insurance and just pay out of pocket for regular doctor visits. | There is such a thing as catastrophic or major medical insurance. http://health.nase.org/Health101/Basics.asp If you’re self-employed, or you work for a micro-business owner that doesn’t offer health insurance, you may be a candidate for a catastrophic health plan. These plans are characterized by high deductibles (anywhere from $500 to $15,000) and low monthly premiums. While they typically cover hospital stays, surgery, intensive care, diagnostic X-rays, and lab tests, they generally do not pay for routine doctor visits, prescription drugs, mental health treatment, or pregnancy. They also have lifetime “caps” between $1 million and $3 million. If you reach that cap, your policy is voided and you are on the hook for any additional expenses. While these plans are not for the risk-adverse, they are an alternative to going uninsured. The catch is that if you want to purchase catastrophic coverage, you must be healthy. Pre-existing health conditions such as diabetes, emphysema, or heart disease (along with many others) will prevent you from buying a plan. | |
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06-25-2007, 08:31 PM
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#10 (permalink)
| | Mommy to a Miracle
Join Date: Jul 2003 Location: REDSOX NATION
Posts: 1,364
Points: 17,817.30 Bank: 0.00 Total Points: 17,817.30 |
We pay $1000 a month for family insurance with Tufts. My Dh is self employed.
Massachusetts just enacted a law thet all ma residents must ahve insurance. Have you checked any of the government website sto see if there is a lower cost ins alternative for you.
__________________ Aimye (35) married to Jay (35) my hero
One IVF/FET,IC miracle JT born 8/18/06
1 perfect Angel Forever missed 10/29/04
WLS 4/14/2008
Start weight: 280 Current: 223 Goal:130
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06-25-2007, 10:13 PM
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#11 (permalink)
| | My Kids Mom
Join Date: Feb 2006 Location: Massachusetts
Posts: 1,763
My Mood: Points: 23,358.43 Bank: 588,957.37 Total Points: 612,315.79 |
Quote:
Originally Posted by aimye Massachusetts just enacted a law thet all ma residents must ahve insurance. Have you checked any of the government website sto see if there is a lower cost ins alternative for you. | Yeah, I've looked into it somewhat but my dh makes too much money (ha! yeah right) to qualify for most things I've seen AND the fact that he has health insurance "available" at work disqualifies us. Since his work offers it, we can't get the cheaper plans.. they are really for people who's employers don't offer it. I called last week. It's annoying.
JosieFB, thanks for the info. I'll have to check that out...
I just wish there would be a major change to this system... but no one wants to make a change. Politics.. ugh! Healthcare should NOT be a "profitable" industry!!!!!
__________________ Stay at Home Mom of Two Precious Girls
~ They amaze me every day ~ Me 30 ~ DH 28 ~ DD 2.5 years ~ DD 15 months
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Are not five sparrows sold for two cents? And yet not one of them is forgotten by God. Indeed, the very hairs of your head are all numbered. Do not fear; you are worth more than many sparrows. Luke 12:6-7
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06-26-2007, 08:18 PM
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#12 (permalink)
| | Registered User
Join Date: Jul 2005 Location: New Port Richey, FL
Posts: 434
Points: 15,341.37 Bank: 0.00 Total Points: 15,341.37 |
I couldn't image paying what you ladies pay. My husband pays $120/month for both of us. I thought that was a lot. Now I am very thankful! Good luck!
__________________ NICKY(25) Married 2 years No kids 2 doggies
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Go to To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts. for before/during photos of my weightloss! | |
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06-27-2007, 03:17 AM
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#13 (permalink)
| | Registered User
Join Date: Dec 2000 Location: New Orleans, LA
Posts: 1,636
Points: 8,821.07 Bank: 0.00 Total Points: 8,821.07 |
I feel your pain. If I get a policy here I was quote $521 per month FOR JUST ME!!!! If I go on the state plan for high risk (since lucky me, I have pre-existing conditions, i.e., PCOS) It will be 600+ per month for JUST ME! I have chosen just to not have insurance. That is too damn much to pay for one person. It's a joke.
oh, and I was reading in Forbes (I think it was) that United Healthcare is the third most profitable company (or something like that.) Yeah, that's f*%#*^d up!
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not TTC
I was meant to be a mommy to dogs. | |
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06-27-2007, 06:54 AM
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#14 (permalink)
| | Lovin my Little Girl
Join Date: Feb 2004 Location: TX
Posts: 1,390
My Mood: Points: 1,653.77 Bank: 29.60 Total Points: 1,683.38 |
Man, we used to complain about my husband's old insurance which was about $120 per 2 weeks for both of us. Now with his new job (even though we are switching over to a new health insurance company that is WAY better and covers more) it's going to be about $700 per WEEK for both of us and the baby!!!!!!!!!!!! I think that is outrageous.
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[color=Navy][font=Comic Sans MS]Jenn
[size=3]
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Me: 31 DH: 37
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Married my best friend and soulmate on 12/7/2000.
PREGNANT!!!!!! After 6 hard long years of trying!
PCOS and IR since 2002
Endometriosis since 2001
IT'S A GIRL!!!!!!!!!!!!!!!!!!!
Katelynn born on September 19th! | |
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06-27-2007, 09:02 AM
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#15 (permalink)
| | Registered User
Join Date: Apr 2007 Location: Texas, ya'll!
Posts: 332
My Mood: Points: 1,125.37 Bank: 114,011.35 Total Points: 115,136.72 |
Quote:
Originally Posted by jennthediva it's going to be about $700 per WEEK for both of us and the baby!!!!!!!!!!!! I think that is outrageous. | That's $2800 a month?!!?? How can that be? How can you possibly afford that? For that, they ought to pick you up in a limo to take you to the doctor!
__________________ Keleigh (40) + Chris (37), married 3/11/00.
Furbabies: 2 canine, 2 feline, love 'em all!
Blog:
To view links or images in signatures your post count must be 10 or greater. You currently have 0 posts.
Pre-2006 - DX with PCOS & Endo. 1 blocked tube.
6 mths Clomid, Lupron, 3 laps, 6 IUIs, 2 IVFs.
6 years of trying... no pregnancy.
9/06 - Pregnant the old fashioned way! (Go figure.)
10/06 - blighted ovum
4/18/07 - Shocker BFP!!
We have heartbeat!
5/16/07 - m/c at 8 weeks
and we're done. we apparently weren't meant to be parents.
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