Re: OT: Health Insurance

[keith smith]

That is always good news!!  Thanks!



Keith Smith

--- On Thu, 3/15/12, Alex Dean  wrote:

From: Alex Dean 
Subject: Re: OT: Health Insurance
To: "Main PLUG discussion list" 
Date: Thursday, March 15, 2012, 9:02 AM

Keep in mind that if you're self-employed, your premiums & other health-related 
expenses may be tax-deductible.

http://www.irs.gov/publications/p535/ch06.html#en_US_2011_publink1000208843


On Mar 15, 2012, at 10:48 AM, keith smith wrote:

> 
> I took a look and what I saw was a coinsurance of 40% after the deductible is 
> reached.  
> 
> Thanks!!  I'll keep researching.
> 
> 
> Keith Smith
> 
> --- On Thu, 3/15/12, Lisa Kachold  wrote:
> 
> From: Lisa Kachold 
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" 
> Date: Thursday, March 15, 2012, 8:42 AM
> 
> Blue Cross is the most expensive.  Shop around on that link.  There are lots 
> of cheaper alternatives.
> 
> On Thu, Mar 15, 2012 at 8:39 AM, keith smith  wrote:
> 
> Thanks!  I wonder if that is a leader price.  They get you in and then bump 
> it once underwriting evaluate the insured.   
> 
> Blue Cross just quoted $500 a month, $3000 deductible, 40% of first $10,000.  
> That is $6000 per year in premiums, and a $7000 max deductible per person per 
> year.
> 
>   
> 
> --------
> Keith Smith
> 
> --- On Thu, 3/15/12, Lisa Kachold  wrote:
> 
> From: Lisa Kachold 
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" 
> Date: Thursday, March 15, 2012, 8:33 AM
> 
> 
> Hi Keith,
> 
> Check out this search link with an at a glance quote comparison (using 55 
> years old for both husband and wife), starting at $187.50 a month.
> 
> In my experience your quote was OUTRAGEOUS (shop around)!
> 
> On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:
> 
> Hi,
> 
> I am self employed, a little older, over weight, with a history of high blood 
> pressure.  
> 
> I do not have health insurance and would like to be able to find a reasonable 
> health insurance plan. 
> 
> Recently I received several quotes.  $600 a month, $6000 deductible for me 
> and $6000 deductible my wife.  And we must pay 30% of the first $10,000 
> (each).  These are per year.  Once we pay $10,200 (annual premium + annual 
> copay) of the first $10,000 the insurance kicks in and will pay what is left.
> 
> As a result I have decided to go without insurance.  I'd be happy to pay $500 
> a month for a normal HMO policy. (well not completely happy, I think $500 a 
> month is too high).
> 
> Short of building a business that has employees and qualifies for group 
> health insurance, what can I do?
> 
> Thank you for your insight!
> 
> 
> Keith Smith
> 
> ---
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Re: OT: Health Insurance

[Technomage Hawke]

outrageous? thats a deep understatement.. what he went through is called 
"fleecing the sheep". and yes, shopping around will definitely help. 

-eric
On Mar 15, 2012, at 8:33 AM, Lisa Kachold wrote:

> Hi Keith,
> 
> Check out this search link with an at a glance quote comparison (using 55 
> years old for both husband and wife), starting at $187.50 a month.
> 
> In my experience your quote was OUTRAGEOUS (shop around)!
> 
> On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:
> 
> Hi,
> 
> I am self employed, a little older, over weight, with a history of high blood 
> pressure.  
> 
> I do not have health insurance and would like to be able to find a reasonable 
> health insurance plan. 
> 
> Recently I received several quotes.  $600 a month, $6000 deductible for me 
> and $6000 deductible my wife.  And we must pay 30% of the first $10,000 
> (each).  These are per year.  Once we pay $10,200 (annual premium + annual 
> copay) of the first $10,000 the insurance kicks in and will pay what is left.
> 
> As a result I have decided to go without insurance.  I'd be happy to pay $500 
> a month for a normal HMO policy. (well not completely happy, I think $500 a 
> month is too high).
> 
> Short of building a business that has employees and qualifies for group 
> health insurance, what can I do?
> 
> Thank you for your insight!
> 
> 
> Keith Smith
> 
> ---
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Re: OT: Health Insurance

[Alex Dean]

Keep in mind that if you're self-employed, your premiums & other health-related 
expenses may be tax-deductible.

http://www.irs.gov/publications/p535/ch06.html#en_US_2011_publink1000208843


On Mar 15, 2012, at 10:48 AM, keith smith wrote:

> 
> I took a look and what I saw was a coinsurance of 40% after the deductible is 
> reached.  
> 
> Thanks!!  I'll keep researching.
> 
> 
> Keith Smith
> 
> --- On Thu, 3/15/12, Lisa Kachold  wrote:
> 
> From: Lisa Kachold 
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" 
> Date: Thursday, March 15, 2012, 8:42 AM
> 
> Blue Cross is the most expensive.  Shop around on that link.  There are lots 
> of cheaper alternatives.
> 
> On Thu, Mar 15, 2012 at 8:39 AM, keith smith  wrote:
> 
> Thanks!  I wonder if that is a leader price.  They get you in and then bump 
> it once underwriting evaluate the insured.   
> 
> Blue Cross just quoted $500 a month, $3000 deductible, 40% of first $10,000.  
> That is $6000 per year in premiums, and a $7000 max deductible per person per 
> year.
> 
>   
> 
> ------------
> Keith Smith
> 
> --- On Thu, 3/15/12, Lisa Kachold  wrote:
> 
> From: Lisa Kachold 
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" 
> Date: Thursday, March 15, 2012, 8:33 AM
> 
> 
> Hi Keith,
> 
> Check out this search link with an at a glance quote comparison (using 55 
> years old for both husband and wife), starting at $187.50 a month.
> 
> In my experience your quote was OUTRAGEOUS (shop around)!
> 
> On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:
> 
> Hi,
> 
> I am self employed, a little older, over weight, with a history of high blood 
> pressure.  
> 
> I do not have health insurance and would like to be able to find a reasonable 
> health insurance plan. 
> 
> Recently I received several quotes.  $600 a month, $6000 deductible for me 
> and $6000 deductible my wife.  And we must pay 30% of the first $10,000 
> (each).  These are per year.  Once we pay $10,200 (annual premium + annual 
> copay) of the first $10,000 the insurance kicks in and will pay what is left.
> 
> As a result I have decided to go without insurance.  I'd be happy to pay $500 
> a month for a normal HMO policy. (well not completely happy, I think $500 a 
> month is too high).
> 
> Short of building a business that has employees and qualifies for group 
> health insurance, what can I do?
> 
> Thank you for your insight!
> 
> 
> Keith Smith
> 
> ---
> PLUG-discuss mailing list - PLUG-discuss@lists.plug.phoenix.az.us
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Re: OT: Health Insurance

[keith smith]

I took a look and what I saw was a coinsurance of 40% after the deductible is 
reached.  

Thanks!!  I'll keep researching.



Keith Smith

--- On Thu, 3/15/12, Lisa Kachold  wrote:

From: Lisa Kachold 
Subject: Re: OT: Health Insurance
To: "Main PLUG discussion list" 
Date: Thursday, March 15, 2012, 8:42 AM

Blue Cross is the most expensive.  Shop around on that link.  There are lots of 
cheaper alternatives.

On Thu, Mar 15, 2012 at 8:39 AM, keith smith  wrote:


Thanks!  I wonder if that is a leader price.  They get you in and then bump it 
once underwriting evaluate the insured.   


Blue Cross just quoted $500 a month, $3000 deductible, 40% of first $10,000.  
That is $6000 per year in premiums, and a $7000 max deductible per person per 
year.

  



Keith Smith

--- On Thu, 3/15/12, Lisa Kachold  wrote:


From: Lisa Kachold 
Subject: Re: OT: Health Insurance
To: "Main PLUG discussion list" 

Date: Thursday, March 15, 2012, 8:33 AM

Hi Keith,

Check out this search link with an at a glance quote comparison (using 55 years 
old for both husband and wife), starting at $187.50 a month.



In my experience your quote was OUTRAGEOUS (shop around)!

On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:



Hi,

I am self employed, a little older, over weight, with a history of high blood 
pressure.  



I do not have health insurance and would like to be able to find a reasonable 
health insurance plan. 

Recently I received several quotes.  $600 a month, $6000 deductible for me and 
$6000 deductible my wife.  And we must pay 30% of the first $10,000 (each).  
These are per year.  Once we pay $10,200 (annual premium + annual copay) of the 
first $10,000 the insurance kicks in and will pay what is left.



As a result I have decided to go without insurance.  I'd be happy to pay $500 a 
month for a normal HMO policy. (well not completely happy, I think $500 a month 
is too high).

Short of building a business that has employees and qualifies for group health 
insurance, what can I do?



Thank you for your
 insight!



Keith Smith
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Re: OT: Health Insurance

[Lisa Kachold]

Blue Cross is the most expensive.  Shop around on that link.  There are
lots of cheaper alternatives.

On Thu, Mar 15, 2012 at 8:39 AM, keith smith  wrote:

>
> Thanks!  I wonder if that is a leader price.  They get you in and then
> bump it once underwriting evaluate the insured.
>
> Blue Cross just quoted $500 a month, $3000 deductible, 40% of first
> $10,000.  That is $6000 per year in premiums, and a $7000 max deductible
> per person per year.
>
>
>
> 
> Keith Smith
>
> --- On *Thu, 3/15/12, Lisa Kachold * wrote:
>
>
> From: Lisa Kachold 
> Subject: Re: OT: Health Insurance
> To: "Main PLUG discussion list" 
> Date: Thursday, March 15, 2012, 8:33 AM
>
>
> Hi Keith,
>
> Check out this search 
> link<https://www.ehealthinsurance.com/ehi/ifp/individual-family-health-insurance%21goToScreen?allid=pou14050&sid=+_arizona&fastQuote.type=IFP&referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-family-health-insurance%21submit%3Fallid%3Dpou14050%26sid%3D%2B_arizona%26census.zipCode%3D85060%26census.schoolState%3DAZ%26census.state%3Dnull%26census.requestEffectiveDate%3D04%2F01%2F2012%26census.county%3DMARICOPA%26census.primary.gender%3DMALE%26census.primary.day%3D20%26census.primary.month%3D05%26census.primary.year%3D1956%26census.primary.tobacco%3Dfalse%26census.primary.student%3Dfalse%26census.secondary.gender%3DFEMALE%26census.secondary.day%3D20%26census.secondary.month%3D10%26census.secondary.year%3D1954%26census.secondary.tobacco%3Dfalse%26census.secondary.student%3Dfalse%26census.children[0].gender%3D%26census.children[0].day%3D%26census.children[0].month%3D%26census.children[0].year%3D%26census.children[0].tobacco%3Dfalse%26census.children[0].student%3Dfalse%26census.children[1].gender%3D%26census.children[1].day%3D%26census.children[1].month%3D%26census.children[1].year%3D%26census.children[1].tobacco%3Dfalse%26census.children[1].student%3Dfalse%26census.children[2].gender%3D%26census.children[2].day%3D%26census.children[2].month%3D%26census.children[2].year%3D%26census.children[2].tobacco%3Dfalse%26census.children[2].student%3Dfalse%26census.children[3].gender%3D%26census.children[3].day%3D%26census.children[3].month%3D%26census.children[3].year%3D%26census.children[3].tobacco%3Dfalse%26census.children[3].student%3Dfalse%26census.children[4].gender%3D%26census.children[4].day%3D%26census.children[4].month%3D%26census.children[4].year%3D%26census.children[4].tobacco%3Dfalse%26census.children[4].student%3Dfalse%26fastQuote.type%3DIFP%26fastQuote.carrierid%3D%26fastQuote.planid%3D%26fastQuote.logicalPlanId%3D%26fastQuote.selectedPlans%3D%26&screenName=best-sellers>with
>  an at a glance quote comparison (using 55 years old for both husband
> and wife), starting at $187.50 a month.
>
> In my experience your quote was OUTRAGEOUS (shop around)!
>
> On Thu, Mar 15, 2012 at 8:02 AM, keith smith 
> http://mc/compose?to=klsmith2...@yahoo.com>
> > wrote:
>
>
> Hi,
>
> I am self employed, a little older, over weight, with a history of high
> blood pressure.
>
> I do not have health insurance and would like to be able to find a
> reasonable health insurance plan.
>
> Recently I received several quotes.  $600 a month, $6000 deductible for me
> and $6000 deductible my wife.  And we must pay 30% of the first $10,000
> (each).  These are per year.  Once we pay $10,200 (annual premium + annual
> copay) of the first $10,000 the insurance kicks in and will pay what is
> left.
>
> As a result I have decided to go without insurance.  I'd be happy to pay
> $500 a month for a normal HMO policy. (well not completely happy, I think
> $500 a month is too high).
>
> Short of building a business that has employees and qualifies for group
> health insurance, what can I do?
>
> Thank you for your insight!
>
> 
> Keith Smith
> ---
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Re: OT: Health Insurance

[keith smith]

Thanks!  I wonder if that is a leader price.  They get you in and then bump it 
once underwriting evaluate the insured.   

Blue Cross just quoted $500 a month, $3000 deductible, 40% of first $10,000.  
That is $6000 per year in premiums, and a $7000 max deductible per person per 
year.

  



Keith Smith

--- On Thu, 3/15/12, Lisa Kachold  wrote:

From: Lisa Kachold 
Subject: Re: OT: Health Insurance
To: "Main PLUG discussion list" 
Date: Thursday, March 15, 2012, 8:33 AM

Hi Keith,

Check out this search link with an at a glance quote comparison (using 55 years 
old for both husband and wife), starting at $187.50 a month.


In my experience your quote was OUTRAGEOUS (shop around)!

On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:


Hi,

I am self employed, a little older, over weight, with a history of high blood 
pressure.  


I do not have health insurance and would like to be able to find a reasonable 
health insurance plan. 

Recently I received several quotes.  $600 a month, $6000 deductible for me and 
$6000 deductible my wife.  And we must pay 30% of the first $10,000 (each).  
These are per year.  Once we pay $10,200 (annual premium + annual copay) of the 
first $10,000 the insurance kicks in and will pay what is left.


As a result I have decided to go without insurance.  I'd be happy to pay $500 a 
month for a normal HMO policy. (well not completely happy, I think $500 a month 
is too high).

Short of building a business that has employees and qualifies for group health 
insurance, what can I do?


Thank you for your
 insight!



Keith Smith
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Re: OT: Health Insurance

[Lisa Kachold]

Hi Keith,

Check out this search
linkwith
an at a glance quote comparison (using 55 years old for both husband
and wife), starting at $187.50 a month.

In my experience your quote was OUTRAGEOUS (shop around)!

On Thu, Mar 15, 2012 at 8:02 AM, keith smith  wrote:

>
> Hi,
>
> I am self employed, a little older, over weight, with a history of high
> blood pressure.
>
> I do not have health insurance and would like to be able to find a
> reasonable health insurance plan.
>
> Recently I received several quotes.  $600 a month, $6000 deductible for me
> and $6000 deductible my wife.  And we must pay 30% of the first $10,000
> (each).  These are per year.  Once we pay $10,200 (annual premium + annual
> copay) of the first $10,000 the insurance kicks in and will pay what is
> left.
>
> As a result I have decided to go without insurance.  I'd be happy to pay
> $500 a month for a normal HMO policy. (well not completely happy, I think
> $500 a month is too high).
>
> Short of building a business that has employees and qualifies for group
> health insurance, what can I do?
>
> Thank you for your insight!
>
> 
> Keith Smith
> ---
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