Re: OT: Self Employed Health Insurance Costs and Coverage

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Author: keith smith
Date:  
To: Main PLUG discussion list
Subject: Re: OT: Self Employed Health Insurance Costs and Coverage

Something is very wrong.  In 1979 I went to the ER and received 3 stitches.  Cost : $35.00.  At the time I was attending college and lived in a "guest house".  It was maybe 400sqft.  I paid about $35/mo in utilities.

A trip to the ER recently for very minor treatment was almost $4000.00 after the doctor sent his bill.  We were in and out in about an hour.

I was able to get the $3,054 ER charge down to $760.  Sure hope my utilities do not go up to $760.  Yikes!  The doctor billed us at $665.  I'm waiting for his adjustment.

I'm glad the ER is there however I need it to be much more reasonable (read as affordable).

I cannot afford to get sick!

------------------------

Keith Smith

--- On Tue, 8/17/10, Lyle Tuttle <> wrote:

From: Lyle Tuttle <>
Subject: Re: OT: Self Employed Health Insurance Costs and Coverage
To: "Main PLUG discussion list" <>
Date: Tuesday, August 17, 2010, 11:20 AM



You can also start your own group -- only need two people.



At 10:23 AM 8/17/2010, you wrote:


I'm not sure how good the
coverage is but Arizona Small Business Association has a group plan you
could participate in.

Here is a link to find out more:


http://www.asbbenefits.com/asbb.html





On Tue, Aug 17, 2010 at 10:19, keith smith
<>
wrote:





I do know people are paying more, however it feels like I am throwing
money away.  Still I feel too vulnerable not having
insurance.



------------------------


Keith Smith



--- On Tue, 8/17/10, Lyle Tuttle
<>
wrote:





From: Lyle Tuttle
<>


Subject: Re: OT: Self Employed Health Insurance Costs and
Coverage


To: "Main PLUG discussion list"
<
>


Date: Tuesday, August 17, 2010, 9:30 AM





$500 per month?  Jump on that!!!  We paid over $1,200/mo
with a $5,000 deduct....................no dental or eye in
that......



Insurance premiums are going thru the roof this year because no one
knows how this new health care is going to hit them......



lyle tuttle



At 08:52 AM 8/17/2010, you wrote:


I am self employed and have gone without health insurance for a
while.  I have been very healthy, with the exception of bouts of
high blood pressure and high cholesterol.  I was told both could be
treated with diet and exercise.  Both in place.



Here is my dilemma.  I am older so I am more high risk. 
The best insurance I can find cost close to $500/month for my wife and I
and it has a $3000 deductible for each of us.  Basically we will be
paying $6000/year for catastrophic insurance and will pay $3000 for each
of us until the insurance kicks in.  If we just have some
preventative care, we could end up spending upwards of $8000 a year
without accessing the Insurance.



Any suggestions from others who are self employed?



Thanks!


 


------------------------


Keith Smith


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