(Closed) Independent Health Insurance

posted 6 years ago in Pregnancy
Post # 3
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

It is INSANELY expensive to get even mediocre coverage!

My parent’s own their own business and have never had any option but to have independent insurance.  They paid around $900 a month for coverage for our family.  This still left them with a $1000 deductable per person per year, mediocre prescription co-pays, and no preventative coverage (for things like mammograms, paps, etc – my mom always had to pay those out of pocket).

Post # 4
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Mrs.KMM: IF you know what you are looking for, you can find some that isn’t that expensive.

OP, I have been on my own health insurance for 4 years, and I’ll never go back! If you have Carefirst in your area, I would go with them. They have maternity built into the policy, and most times there isn’t a separate, ridiculously high deductible like a lot of other companies.

I sold health insurance until just recently, PM if you have any specific questions

Post # 5
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

@MrsSl82be: My parents have been doing this for 27 years (like I said, they’ve never had any other option) and they’ve done a TON of searching to try to reduce what they pay without losing coverage.  That is the cheapest they can find.

So no – you can’t always find coverage for cheaper.

ETA: They are currently with Blue Cross Blue Shield.

Post # 6
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Mrs.KMM: That’s interesting, because they cover my paps, my annual checkup, and all my labs. I pay $0 for all of that

Post # 7
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

@MrsSl82be: I get BCBS coverage through my work so I don’t pay much and have like a $150 or $200 deductable for they year, good coverage of labs, annual exam, prescriptions, etc.  I get great coverage for what we pay (compared to family and friends).  It sounds pretty similar to what you have, actually.

But my parents can’t even come close to the coverage I get with their independent policy without paying a fortune each month.

Post # 8
Member
3692 posts
Sugar bee
  • Wedding: December 2011

I worked in the health insurance industry for 5 1/2 years.  The company I worked for was a small one that marketed for the smaller insurers.  Make sure you stick with one of the bigger companies–Blue Cross, Aetna, United Health (Golden Rule for individuals), Humana, etc.  

The smaller ones just can’t offer the same type of coverage, but have unscrupulous agents who will try to sell you inexpensive plan and convince you you’re getting a great deal.  I worked customer service, and I can’t tell you how many upset customers I handled who wanted to cancel and get refunds because they received their insurance packet, or worse, had a claim, and their coverage wasn’t what the agent made them believe it was.  

Post # 9
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@Mrs.KMM: Is it just your parents, or do they have children also? I helped my friend when she was looking last year, and she was able to get a good policy for I think $400 a month for her and her husband and their baby, which is a pretty good deal for individual health.

Curious, do they have an older policy with them? If so, maybe they should call and see if they can switch to a “new” plan. Kind of like when cell phone plans change, you can keep what you have or upgrade, and sometime save money. I wonder if maybe that’s why they are paying so much. $900 seems like a lot

Post # 10
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

@strawbabies: I’ve heard that as well. I plan on sticking with BC/BS because their coverage/price can’t be beat (for my situation at least)

Post # 11
Member
2027 posts
Buzzing bee
  • Wedding: November 1999

I have separate health insurance from my husband, which is privately through BCBS. I pay close to $400/month now with maternity coverage, but it was around $200 without. My husband pays $105/week through our employer for just himself. There is no discount if we both got covered under that policy, so I kept my own insurance.  We’ll probably reasses next August once the baby is here and his insurance is up for renewal. Either way, it seems like we’ll never pay less than like $800/month for health insurance. 

Post # 12
Member
5668 posts
Bee Keeper

Fiance has an individual plan through Aetna for now until he can get on mine because the one his job offers sucks. I think he pays like $300 a month but he has the BEST plan he could get through them with a $500 deductible (I think). It honestly costs the same as it would for him to be on my plan at work (again, best one they offer us) because my job doesn’t cover anything for spouses or family anyway.

If you go with a higher deductible and/or less coverage in certain areas it probably wouldn’t be too bad, especially if your Fiance gets a bit of a stipend towards insurance.

Edit: Fiance corrected me, he used to have the $300 plan, he changed it to a $187/month $1000 deductible plan.

Post # 13
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

@MrsSl82be: They at one point had 3 kids on the plan.  I’ve since been dropped from the plan so there are now only two kids but dropping me didn’t really change what they owed each month.

They re-assess what BCBS offers every year (in terms of new policies and such) and can’t get it cheaper without losing coverage and/or raising their deductable more (at least for now).

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