> 3. Re: OT: Self Employed Health Insurance Costs and Coverage
>
Years ago when I had to have "liability" insurance I was in one of the
highest groups. It was like 1-2 months worth of paychecks for premiums Then
of course what is it 4 months of working over the year and you pay off your
debt to Uncle Sam?
COBRA any time I was offered it between jobs I honestly had to wonder if the
bean counters were smoking crack. $800 was the last I was offered with
limited major medical, no dental and no prescriptions covered.
You can be 21 years old and be considered high risk. Just get one doctor to
say you have high blood pressure, now unless you get some kind of group plan
you will never get low premiums. The automatically put you into the category
of having obesity, high cholesterol, diabetes, stroke, heart attacks and
such. Manageable or not you have a pre-existing condition. AZ had the worst
benefits of any state I lived in, the highest premiums, the lowest amount of
coverage, and for the hangnails, and headaches it would cover. If you could
get dental and vision you had to wait 6 months for your insurance to kick in
and up to 2 years for dental. The stuff that I needed covered wasn't... it
was a pre-existing condition.
Some people I know on Medicare/caid have to pay $4000 or more after the
govt paid the initial $3000. Then old Uncle Sam would come in again and star
paying a portion I believe. Though it could have been the whole amount.
For the medications I take...just one 30 day supply of ONE med is $1200
bottle. I havent looked into the rest of them but the other 9 medications I
take are probably in the range of $100 to $400 bottle. So mid range it and I
have hospital rates of ~$3500 month for medications. You go over the borders
and if they are genuine, might pay $150 for all those. Supoosedly it is to
cover R&D, but if that was the case that "wealth" should be spread around
more.
Somebody mentioned having a 3.8% tax on homes. Don't move to Houston. My
parents bought a home there on the outskirts of town, houses ran $110,000.
When they could finally sell that house. Including realtor fees, ...TX added
on because you breathed too muc, save the fireworks, environmental
contaimination, and a nd plethora of other taxes/fees to the tune of OVER
$20,000. I was being sarcastic but that was the range of whatever they would
charge. Mind you state taxes for the year were already paid for the
property. This was add on stuff..... They lost any equity they had because
of this sale and movng costs, etc. How would you like this state to charge
$50-60,000 sor a $250,000 and you can't do anything about it because we have
to cover "losses".
vp
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