Best option to get good medical insurance - I'm not an O/O
- Thread starter Rhonda
- Start date
CIS they cover a lot of truck related insurance .
If you become an expediter it's unlikely you would be a company driver. Most likely you'll be an independent contractor. Just have to shop insurance companies or the Obama care exchange.
As an o/o join OOIDA. There you can sign up for the ACA thru their exchange. Also i recommend an Occupational Accident Insurance policy for work related injuries to cover medical costs & temporary disability cash.
Also you keep these policies when you carrier hop........and you will carrier hop until you find the right fit.
The thread title states she is not an owner/op.
You can try True Choices----800-877-9637 and mention Try Hours sent you.. Very good coverage at reasonable cost.
Hope this helps.
Phil
If you are reasonably healthy, and as the system now exists, the incentive for uninsured people is to pay the fine on your taxes each year for not having insurance. Even with the discounts and tax credits that the government provides under Obamacare, the cost under the "Affordable" Care Act is outrageous and, for many, prohibitive. The cost of the fine is much lower than the cost of the insurance.
Further, in the case of a major claim, you still pay a high percentage of the cost. With the obscene rates medical providers charge, a hospital stay for treatment can quickly grow to hundreds of thousands of dollars. A Twenty percent co-pay of that can bankrupt many people. Since bankruptcy is a real risk under Obamacare, many are opting to go without insurance figuring that they are healthy enough now to get away with it and in the event of a major medical event, they can still get treated and will be bankrupted just the same.
Before Obamacare, Diane and I paid a pretty penny for some really good health insurance that covered us anywhere on the road, covered us for just about any health issue that might arise, and provided a wallet card that got us into just about any hospital or clinic anywhere in the country. We were covered for major medical in a way that an extended hospital stay would not bankrupt us because the co-pay and deductible stopped at a reasonable amount. We paid on the bottom end and the insurance company took care of the rest if a major claim was made.
After Obamacare, the cost of that policy skyrocketed to the point where the premiums were enough to make payments on a nice, Atlantic beachfront home in Florida. And there was no assurance that the costs would not continue to rise. This without us making a major claim in over 10 years.
What money was paid for our claimes came out of our Health Savings Account which was funded by money we put in. In 10 years, the insurance company did not pay out a dime for us that came out of its own pocket. Then along came Obamacare and it no longer mattered that we were low-risk, healthy, reliable-premium-paying people. Our costs skyrocketed.
The policy we have now is still high cost (higher than what we paid before) but at least within our means to pay. It does not provide nationwide coverage as well as our previous policy did. The difference is so great, in fact, that we think twice now before planning a trip to visit relatives back home in Minnesota. If we got sick or injured while there, we would be in deep financial trouble. So too with business travel. Once, we would not have thought twice before booking a room to attend a conference in a distant state. Now we do.
We know many people in the workforce who find "Affordable" Health Care insurance to be unaffordable. We know others who have done the math described above and opted to pay the fine.
Obama likes to brag about how many millions of new people are now covered. He neglects to cite the cost others pay to make that happen. And he especially neglects to cite the fact that in the cases of major claims, people are not covered at all. They still end up bankrupt. The medical providers and insurance companies get billions while citizens get treatment and a one-way trip to the poorhouse.
That is not insurance. It is a brilliantly designed mechanism that shovels billions of dollars to insurance companies and medical providers and, by bankrupting citizens, creates millions more who become dependent on the politicians for support.
Back to an expediter's unique health insurance needs, if there is a good solution out there, I do not know what it is.
Further, in the case of a major claim, you still pay a high percentage of the cost. With the obscene rates medical providers charge, a hospital stay for treatment can quickly grow to hundreds of thousands of dollars. A Twenty percent co-pay of that can bankrupt many people. Since bankruptcy is a real risk under Obamacare, many are opting to go without insurance figuring that they are healthy enough now to get away with it and in the event of a major medical event, they can still get treated and will be bankrupted just the same.
Before Obamacare, Diane and I paid a pretty penny for some really good health insurance that covered us anywhere on the road, covered us for just about any health issue that might arise, and provided a wallet card that got us into just about any hospital or clinic anywhere in the country. We were covered for major medical in a way that an extended hospital stay would not bankrupt us because the co-pay and deductible stopped at a reasonable amount. We paid on the bottom end and the insurance company took care of the rest if a major claim was made.
After Obamacare, the cost of that policy skyrocketed to the point where the premiums were enough to make payments on a nice, Atlantic beachfront home in Florida. And there was no assurance that the costs would not continue to rise. This without us making a major claim in over 10 years.
What money was paid for our claimes came out of our Health Savings Account which was funded by money we put in. In 10 years, the insurance company did not pay out a dime for us that came out of its own pocket. Then along came Obamacare and it no longer mattered that we were low-risk, healthy, reliable-premium-paying people. Our costs skyrocketed.
The policy we have now is still high cost (higher than what we paid before) but at least within our means to pay. It does not provide nationwide coverage as well as our previous policy did. The difference is so great, in fact, that we think twice now before planning a trip to visit relatives back home in Minnesota. If we got sick or injured while there, we would be in deep financial trouble. So too with business travel. Once, we would not have thought twice before booking a room to attend a conference in a distant state. Now we do.
We know many people in the workforce who find "Affordable" Health Care insurance to be unaffordable. We know others who have done the math described above and opted to pay the fine.
Obama likes to brag about how many millions of new people are now covered. He neglects to cite the cost others pay to make that happen. And he especially neglects to cite the fact that in the cases of major claims, people are not covered at all. They still end up bankrupt. The medical providers and insurance companies get billions while citizens get treatment and a one-way trip to the poorhouse.
That is not insurance. It is a brilliantly designed mechanism that shovels billions of dollars to insurance companies and medical providers and, by bankrupting citizens, creates millions more who become dependent on the politicians for support.
Back to an expediter's unique health insurance needs, if there is a good solution out there, I do not know what it is.
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Can you say more? What do you mean by "good coverage?"
Completely opposite experience here. Nationwide coverage (Blue Cross/Blue Shield), $10.00 pcp co-pay, $20.00 specialist, $0.00 emergency room, $500.00 out of pocket yearly maximum, very good prescription coverage, "extremely" affordable monthly premium. Yes, I benefit like we all do from tax credits available.
paullud
Veteran Expediter
Yeah there were a small amount of people that benefited. The $500 out of pocket for a year seems really strange. Who are you getting insurance through? What plan?
How old are you?
Highmark in western PA. The plan has a nominal $2600.00/yr out of pocket max and a nominal premium of ~$350.00/month before tax credits are applied. So I really don't get all the sky is falling Obamacare blame. $2600.00 out of pocket per year is lower than most employer provided plans and $350.00 is cheap, by pre Obamacare standards.
If your plan is as good as you say it is, we all should jump on it. If it is not as good as you say it is, you may want to know so you don't have an untimely surprise down the road. Diane and I are one of those strange couples who actually read insurance policies. Might we have a look at yours? Does the company make a specimen policy available? Please contact me privately if you care to share your info. We'd love to look it over. Again, if it is as good as you say it is, we should all jump on it (if possible in our respective states).
paullud
Veteran Expediter
Now you are saying $2600 max out of pocket? Is it $500 or $2600? Something seems REALLY off in these numbers that you are giving us either way. Is this a catastrophic plan?
paullud
Veteran Expediter
For $350/month before tax credits are applied and $2600 max out of pocket it would be worth becoming a resident of PA for most people.
Anthem BlueCross Blue Shield Cancelled my (Self Employed) health Insurance with them in 2013. ObamaCare now.
Did you get it through a group policy, or is it an individual policy? Those are awesome prices, there wouldn't be a person in the country bitching about healthcare costs if that was the typical plan and pricing for a 56 YO. ln my opinion.