I’ve been uninsured for a quite a while, and I believe I’m relatively healthy, though there is something I want to get checked out. Before I do, I want to at least consider catastrophic health insurance.
What’re the premiums like these days? Where online can I shop/compare that’s reputable?
Hmm. Perhaps I need to toss out a possibility or two, since even finding it in the first place seems to be relatively difficult… Is ehealthinsurance.com reputable?
Also, if I asked my car/renter’s insurance representative this question, would he be able to give me any help whatsoever? Or are the various divisions really segregated? What if I asked a hospital? A company that sells regular health insurance, but not catastrophic? Or would they be reluctant to say anything for fear of looking like an endorser, or fearing a lawsuit?
Roughly $100-$200 a month for yourself. If not initially, for sure to be increased into that range within the next year or so. I started off at $64 a month but in only two years am now sitting at $125 having never ONCE made a claim on my policy.
$3500 was as high a deductable as I could find when I purchased it two years ago.
As I said, when I first signed up it was only $64 a month. Then after the first year it rose to $84, and now in the second it rose to over $100. I guess I could keep playing the game and keep changing insurers every year to whomever has the lowest introductory rate. I often don’t understand why I keep forking over the money. Even if I WERE to use it I have little doubt of it costing me thousands in legal bills to get them to hold up their end of the bargain anyway.
I found short-term/high-deductible health insurance on ehealthinsurance.com back in 2005, they seemed reputable enough to me. I had some questions so I called their 800 number, the rep was helpful and got me set up.
First you have to decide what you can afford to pay off. If you have a policy for hospitalization and you wind up with a heart attack or something and you will have to fork over $10,000 of your own money anyway, what’s the point? If you can’t pay that off you’ll wind up bankrupt as if you went to hosptial with no insurance anyway.
Of course if you have a home or car or something to attach it’s a bit different.
I don’t know what the hiring is like now, but if you can you may want to check out places like hotels or Starbucks and such. Often they will give part timers health coverage. When I worked in hotels I had more than a few on my staff as part time PBX operators, Reservationists etc, that worked 21 hours just to get the insurance. The pay was just above minimum but they either worked for themselves or had pre-existing conditions and they got covered. Of course most of their part time pay went to pay for the policy, but often they’ll work
For instance when I worked in hotels, no one wanted to work weekends, so I’d hire these part-timers and they’d glady put in a double back to back shift on Saturday and one 5 hours shift another day to get 21 hours. You’d see they’d just get the bulk of the shift over on a weekend.
It worked well since my regular full time staff, hated to work weekends and they got it off. Companies like it because if I did get into a jam and needed staff, I could call one of these people in and there was never overtime.
Hmm. I don’t know what the costs usually are for the worst case scenario of the thing I want checked out. Where can I look up that kind of information?
Did you get cut off here?
But it’s an interesting idea; I’ll definitely keep it in mind.