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914World.com _ 914World Garage _ OT: health insurance suggestions.

Posted by: DougC Jan 11 2005, 01:33 PM

Well, we're expecting another baby in April and I need to start thinking about health insurance. Current situation is this: $252.18 per month (pretax) from UnitedHealthCare Ins.Co through my company - covers me and my 2yr old son. I've thought about dropping myself since I've consistantly paid for insurance for the last 5.5 years and haven't gone to the Dr. once. Anyone have any suggestions? TIA!

Doug C

Posted by: MXMARK Jan 11 2005, 02:29 PM

Doug keep what you have. my work pays for half of my policy but none of my family. I pay $685.00 a month for me and the family. I still have a co-pay for urgent care and emergency room. I was thinking about switching to a deductable based plan. I would have to pay the first $1500.00 per person (my wife and daughter) Then my work would pay half of mine.The monthly premium would be $88.00 for me and $241.00 for the family. Lets see that is about $350.00 a month savings. Just keep what you have it sounds good. Thanks Mark

Posted by: DougC Jan 11 2005, 02:56 PM

Yeah we're about where you are if you factor in what my wife pays seperately and if you added the extra child that's on the way. I'd like to get us all on the same plan and do a little better on the monthly.

Doug C

Posted by: Lou W Jan 11 2005, 03:59 PM

We're very happy with our insurance, it's Blue Shield. For myself, my wife and our daughter we pay $400.00 per month. It has a 30% deductable with a $2,500.00 out of pocket. A large percentage of our Prescriptions are paid through the policy. Our concern is more for major medical coverage. My wife and I are both self employed. IPB Image