Julie in CA Posted January 22, 2009 Share Posted January 22, 2009 $2,696.00 per month (an increase of $210 per month). Thank you Blue Shield. :banghead: Quote Link to comment Share on other sites More sharing options...
newbie Posted January 22, 2009 Share Posted January 22, 2009 Wow, Julie, I am trying to pick my jaw off the floor. I thought we had it bad w/1400. But, I think you have more people, I guess that is the diff. Insurance is the worst.:glare: Quote Link to comment Share on other sites More sharing options...
Blessedfamily Posted January 22, 2009 Share Posted January 22, 2009 :001_huh:Are you all referring to independent insurance, or employer sponsored? Because that is incredulous. Are you self-employed? Quote Link to comment Share on other sites More sharing options...
newbie Posted January 22, 2009 Share Posted January 22, 2009 We are ind. self employed. Quote Link to comment Share on other sites More sharing options...
Blessedfamily Posted January 22, 2009 Share Posted January 22, 2009 That's quite a lot of money for something you have to have. :glare: Quote Link to comment Share on other sites More sharing options...
Julie in CA Posted January 22, 2009 Author Share Posted January 22, 2009 :001_huh:Are you all referring to independent insurance, or employer sponsored? Because that is incredulous. Are you self-employed? Independent family plan. My dh is a self-employed dairy farmer. Quote Link to comment Share on other sites More sharing options...
Quiver0f10 Posted January 22, 2009 Share Posted January 22, 2009 $2,696.00 per month (an increase of $210 per month).Thank you Blue Shield. :banghead: Please tell me you meant a year?:blink: I will never complain again about paying our insurance. Quote Link to comment Share on other sites More sharing options...
Michelle in AL Posted January 22, 2009 Share Posted January 22, 2009 Julie, are you in a program where Blue Cross lumps small businesses together in order to decrease premiums? We've been in that here in Alabama and in Indiana. Our premium is around $800 a month and it has a very low deductible, covers meds and dental. I can't even imagine paying that much. I wish there was an ouch icon. Quote Link to comment Share on other sites More sharing options...
lynn Posted January 22, 2009 Share Posted January 22, 2009 $2,696.00 per month (an increase of $210 per month).Thank you Blue Shield. :banghead: Wow... and ouch. Well, since you are paying for the coverage you might as well get all those lovely "because your 40" checkups. No excuses. Quote Link to comment Share on other sites More sharing options...
Tani Posted January 22, 2009 Share Posted January 22, 2009 :001_smile:We are self-employed and just got new insurance through Humana One for just over 600 a month. Dh and I are both over 40 and we have 2 kids. Maybe you could shop around? That is an awful lot of money. Quote Link to comment Share on other sites More sharing options...
Julie in CA Posted January 22, 2009 Author Share Posted January 22, 2009 Yes, it's past time for that. Since my dh takes care of the farming finances (from which our health ins. is paid) I didn't realize just how high the price had actually gone. I'm hesitant about searching for insurance, because I think it's going to be a miserable process. We're an overweight family as a whole, and I have hypertension (though kept well under control by meds). I'm really not sure if we can do better on pricing or not, and it doesn't seem realistic to think that we're suddenly going to lose weight and be considered less risky. At the least, we should move to a much higher deductible, probably. I think in the long run that's probably not a great idea health-wise because I know myself to be a person who just won't go to the doctor for preventative care if it's going to be another bill, but desperate times call for desperate measures! Quote Link to comment Share on other sites More sharing options...
elegantlion Posted January 22, 2009 Share Posted January 22, 2009 Wow, that's all I can say is WOW! Quote Link to comment Share on other sites More sharing options...
Colleen Posted January 22, 2009 Share Posted January 22, 2009 As a fellow self-employed person, I sympathize with you. Our rates are going up even more than normal this year, thanks to some impositions from the Washington state legislature and my entry into the 40+ age bracket. Still, our monthly premium is well below yours and I have to assume it's because we're essentially on a catastrophic plan with a high deductible. Oh, believe me, it still hurts. I mean, we shell out a thousand bucks a month just in case we have a major injury. Lovely. But no way on God's green earth would I pay what you're paying. Consider lowering your deductible or at least going to einsurance.com (think that's right) and shopping around for a lower plan. Quote Link to comment Share on other sites More sharing options...
ChristyB in TN Posted January 22, 2009 Share Posted January 22, 2009 Self employed here, too. I just turned 40 on the 7th and my insurance didn't go up. I am flabergasted about yours. We had BCBS when dh worked for a corporation and couldn't even think about using it after he left the company. We priced all the insurance we could and ended up with Humana. Humana was less expensive for identical coverage. We made it even better by making our deductable very, very high ($10,000 ) and we use a health savings account for the deductable and prescriptions. The health savings account actually lowers our taxable income by the amount we put into it so we at least don't feel like we are being raked over the coals. The common misconception is that if you don't use the money in your hsa by the end of the year, you lose it. This is not true and it just sits there until you DO use it. This little set up means we have to plan for things and we certainly compare the price of medical services before we use them but it has been good for us to need to do so. We are certainly a little more educated about all of it now! We don't regret it at all. I hope you find a less insulting answer and Oh, Happy Birthday anyway. I hope it is wonderful. Quote Link to comment Share on other sites More sharing options...
Julie in CA Posted January 22, 2009 Author Share Posted January 22, 2009 As a fellow self-employed person, I sympathize with you. Our rates are going up even more than normal this year, thanks to some impositions from the Washington state legislature and my entry into the 40+ age bracket. Still, our monthly premium is well below yours and I have to assume it's because we're essentially on a catastrophic plan with a high deductible. Oh, believe me, it still hurts. I mean, we shell out a thousand bucks a month just in case we have a major injury. Lovely. But no way on God's green earth would I pay what you're paying. Consider lowering your deductible or at least going to einsurance.com (think that's right) and shopping around for a lower plan. Yes, that's my plan. Still, I'm sure it's going to be high, mostly because of me, and I've been struggling with fitness for so long now that I'm feeling a little defeated (ok, more than a little...).:sad: Quote Link to comment Share on other sites More sharing options...
ereks mom Posted January 22, 2009 Share Posted January 22, 2009 ...we had to cancel our insurance because we couldn't afford the premiums. Quote Link to comment Share on other sites More sharing options...
Unicorn. Posted January 22, 2009 Share Posted January 22, 2009 Wow! I think you should shop around- talk to some other agents. About 2 or 3 yrs ago I looked into individual insurance for me and the dc. The dc would have been ~$60 each, and I would have been ~$70. That was with Blue Cross/Blue Sheild too. Quote Link to comment Share on other sites More sharing options...
ssexton Posted January 22, 2009 Share Posted January 22, 2009 Oh, Julie! I'm turning 40 next year, and this is something I've been dreading. We too have private coverage for our family of 5 through BCBS, but we pay "only" $900/month. We just upped our deductible to $2500, and of course we immediately had an emergency room visit. :glare: We also have some pre-existing conditions, which make it difficult to change carriers. Quote Link to comment Share on other sites More sharing options...
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