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Old 05-30-2018, 10:07 AM   #1
PoohDaddy
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Default Health Insurance

Ive been without insurance for about a year now. Whats the best route when looking? Someone mentioned going through a group like the NRA to get a better deal but never heard of such. Any suggestions would be appreciated!
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Old 05-30-2018, 10:18 AM   #2
Johnny Dangerr
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Trump says he has 2 new policies coming. I am hopeful it will make matters better....
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Old 05-30-2018, 10:26 AM   #3
tigerscowboy
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Hope something improves soon. Spending over $10k a year to insure my wife and son.
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Old 05-30-2018, 10:29 AM   #4
texan4ut
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I need to find some too. Hard to find good insurance that won't break the bank.
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Old 05-30-2018, 10:48 AM   #5
mudkat
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I hate to say it but I don't think there will ever be good insurance again. Obamacare for all the demonizing of the insurance company talk there was turns out it was all for the insurance company's ,they raised prices through the roof ,raised the deducible, and the rules allow way more denial of treatments, Absolute Garbage!!
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Old 05-30-2018, 10:56 AM   #6
Johnny Dangerr
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Quote:
Originally Posted by tigerscowboy View Post
Hope something improves soon. Spending over $10k a year to insure my wife and son.
Wife and I are at 30K a year.
Trumps speech last night he promised 2 new plans that will be great,
We will see.....................
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Old 05-30-2018, 11:00 AM   #7
PoohDaddy
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It is total garbage! my wife carried me and the kids on her insurance. She changed jobs and her new company doesn't provide health insurance. My wife is type 1 diabetic so she cant go without insurance. going through the marketplace insurance was $1,500 a month for the family. Who the Heck can afford $18 grand a year just for health insurance? my wife alone is $450 a month.
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Old 05-30-2018, 11:01 AM   #8
czechgrubworm
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Its so hard to manage a budget for insurance now.. almost impossible
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Old 05-30-2018, 11:49 AM   #9
mjhaverkamp
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I have a lot of employees who are on me to provide health Insurance, there is no way we can afford to provide it without cutting wages.
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Old 05-30-2018, 11:54 AM   #10
Freer
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Good luck to you sir. Health insurance is a nightmare. A very expensive nightmare.
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Old 05-30-2018, 12:04 PM   #11
txhunter90
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Look at Christian Ministries Healthcare ministries or Samaritan Ministries, may not help with your situation. But if anything bad happens it covers stuff over $300-1500 based on what program you want.
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Old 05-30-2018, 02:27 PM   #12
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Look into Medi Share.
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Old 05-30-2018, 02:34 PM   #13
denimdeerslayer
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I hav insurance and the amount out of pocket is crazy. I almost believe I be better off just putting into savings account.
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Old 05-30-2018, 02:52 PM   #14
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$1500 a month for me, the wife, and kids. Crazy

If you have already been without, i would look into the Christian Ministries Healthcare ministries or Samaritan Ministries like txhunter90 said. I want to switch, but im not a risk taker. It seems legit, but having a really high bill for say cancer is a little confusing how they pay out. but for everything else it seems perfect.
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Old 05-30-2018, 05:30 PM   #15
bcmuzzy
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It’s funny to me the scum of the earth politicians in Washington aren’t paying $18,000 to $30,000 a year on insurance. F ing leaches in Washington are so out of touch with working Americans it’s not even funny! They have absolutely no idea what it takes to make a living for your family.
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Old 05-30-2018, 06:08 PM   #16
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Quote:
Originally Posted by bcmuzzy View Post
Itís funny to me the scum of the earth politicians in Washington arenít paying $18,000 to $30,000 a year on insurance. F ing leaches in Washington are so out of touch with working Americans itís not even funny! They have absolutely no idea what it takes to make a living for your family.
They don't give a **** about average Americans as long as they get theirs.

Insurance companies are raking in the bucks at the expense of doctors and their patients. SOMETHING HAS TO CHANGE!!!
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Old 05-30-2018, 06:26 PM   #17
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Quote:
Originally Posted by Darton View Post
Look into Medi Share.
X2 thatís what we are on and several other families I know.
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Old 05-30-2018, 06:56 PM   #18
kumathebear
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My wife has her teacher retirement insurance and it SUCKS! But, better than nothing.

I'm on Medicare with a United supplement and it's not much better, actually worse for prescription drugs.

We both gripe about it but without it and a significant illness or injury, at least for us we realize the costs is SO much more...not the time to 2nd guess and wish one has at least some type of coverage.
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Old 05-30-2018, 07:14 PM   #19
Tbar
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On the private market the wife and I pay $21k per year with $6500 deductible.

Find a group.......any group to get on.
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Old 05-30-2018, 10:53 PM   #20
10-96inTexas
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Originally Posted by kumathebear View Post
My wife has her teacher retirement insurance and it SUCKS! But, better than nothing.

I'm on Medicare with a United supplement and it's not much better, actually worse for prescription drugs.

We both gripe about it but without it and a significant illness or injury, at least for us we realize the costs is SO much more...not the time to 2nd guess and wish one has at least some type of coverage.
That's why I'm still working. I turn 65 on saturday and I'll work until i can't drag myself to the job just because of insurance.
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Old 05-30-2018, 11:51 PM   #21
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Communism! I called my insurance guy from when I was doing contract work to see what I would be paying if I went back that route and basically the more you make the more you pay in premiums.
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Old 05-31-2018, 12:39 AM   #22
spikebuck
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We are at about 13k per year. Wife, 18 year old son and me. It’s definitely our largest monthly bill. I’d love to lower the cost but haven’t figured out how yet.
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Old 05-31-2018, 01:03 AM   #23
Black Ice
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What do all of you do for a living to have insurance this high?


I pay $1467 a year for medical, dental and vision for myself. My wife pays about the same so about $3000 a year for the both of us.

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Last edited by Black Ice; 05-31-2018 at 01:19 AM.
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Old 05-31-2018, 07:35 AM   #24
Charles
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Quote:
Originally Posted by Black Ice View Post
What do all of you do for a living to have insurance this high?


I pay $1467 a year for medical, dental and vision for myself. My wife pays about the same so about $3000 a year for the both of us.

Sent from my iPhone using Tapatalk
Check with HR and see what it would cost you if you added a dependent or two
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Old 05-31-2018, 02:50 PM   #25
quarterback
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This year I switched from Blue Cross ($1,400/month for just me) to a "substantially cheaper alternative" and wow! I might as well not have any insurance. They don't cover squat. It seems like if you want any kind of decent coverage at all you have to pay through the nose. I do battle monthly just trying to get them to cover blood pressure and cholesterol meds. My insurance is a JOKE. But then, $1,400/month is a bad, bad joke as well. ****ed if you do, ****ed if you don't. Something has got to be done.
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Old 05-31-2018, 03:07 PM   #26
manwitaplan
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Quote:
Originally Posted by Part Timer View Post
$1500 a month for me, the wife, and kids. Crazy

If you have already been without, i would look into the Christian Ministries Healthcare ministries or Samaritan Ministries like txhunter90 said. I want to switch, but im not a risk taker. It seems legit, but having a really high bill for say cancer is a little confusing how they pay out. but for everything else it seems perfect.


Been with Christian healthcare ministries for over a year. Anything over 500 they pay. I bought the brothers keeper for an extra 75 a quarter that has no limits.

Actually it has been pretty cool telling the doctor I am a cash payer and my cost are cut way down. You can even negotiate.

So far so good.


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Old 05-31-2018, 03:36 PM   #27
DRettele
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I'm working on checking out Medi Share and Christian Healthcare Ministries over this next weekend. My current work plan (which sucks like everyone else's) has open enrollment starting the second week of June with an effective date of 7/1. Need to figure something different out as last year I was socked with ~$950/month premiums for Employee + Family.
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Old 05-31-2018, 03:43 PM   #28
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Hopefully, we'll see more medical co-ops like in Kansas (Dr. Josh Umbehr) and just pay for catastrophic health coverage. I am NOT waiting to see what Trump's two Alex's come up with as I believe government should get the hell out of insurance, including medicare and medicaid.
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Old 05-31-2018, 03:50 PM   #29
PoohDaddy
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I'm really interested in the Christian healthcare ministries! me and the kids $300 a month!! sounds like a no brainer
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Old 05-31-2018, 03:56 PM   #30
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I looked at Liberty Share and they had excellent reviews but stuck with my work insurance.
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Old 05-31-2018, 04:12 PM   #31
txwhitetail
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Anyone seen any options for let’s say paying everything under $500-$1000 in cash and just having coverage for high $$ stuff ?
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Old 05-31-2018, 04:21 PM   #32
meltingfeather
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Quote:
Originally Posted by Black Ice View Post
What do all of you do for a living to have insurance this high?


I pay $1467 a year for medical, dental and vision for myself. My wife pays about the same so about $3000 a year for the both of us.
no way.
you're being subsidized by someone.
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Old 05-31-2018, 04:24 PM   #33
PoohDaddy
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Christian healthcare ministries says for their gold level ($150 a month) you pay everything under $500, if bill is over $500 they pay it
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Old 05-31-2018, 10:14 PM   #34
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Quote:
Originally Posted by Black Ice View Post
What do all of you do for a living to have insurance this high?


I pay $1467 a year for medical, dental and vision for myself. My wife pays about the same so about $3000 a year for the both of us.

Sent from my iPhone using Tapatalk
Thatís what Iím wondering. I pay less than $200 a month for everything.
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Old 05-31-2018, 10:43 PM   #35
Capt.Brown
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Well y’all two have the best health insurance I’ve heard of in the last 5 yrs!!!
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Old 05-31-2018, 11:05 PM   #36
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They must not have spouse + family and it be a HD plan. We have a ton of options and I would be less than $200 a month for just myself. As of now I pay $700 for everything with wife and little one included.
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Old 05-31-2018, 11:32 PM   #37
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I’m around $950/mo for me, my wife, and 2 kids. That’s only half. Employer pays the other $950/mo.

Hoping I slipped one past the goalie this weekend so we can get this last child taken care of under our current insurance and then I’ll be shopping hard.
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Old 05-31-2018, 11:45 PM   #38
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Quote:
Originally Posted by meltingfeather View Post
no way.

you're being subsidized by someone.


Of course I am. Thatís why I asked what people do for a living to have insurance that high. Are they self employed, retired at an early age, or working for a company and the insurance provided is that high?


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Old 06-01-2018, 12:23 AM   #39
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This thread will give me nightmares tonight
My wife is still working , but wanted to retire soon ( till health insurance stability she will have to work)
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Old 06-01-2018, 09:01 AM   #40
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I use CHM, if any one is wanting some details PM me... plus, they have a referral program, so at a minimum, let me give you my code to enroll 😆.
There are some things to be aware of though before purchasing!
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Old 06-01-2018, 09:04 AM   #41
SoTXAg06
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We pay a little over $800/month for my wife and I. We carry a premium insurance plan for her being she is a type I diabetic. I have the lowest cost plan I could find. We use a insurance consultant to help us decide which plan is best for us.


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Old 06-01-2018, 09:08 AM   #42
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I’m employed with a privately held company & pay about $560/mo for a family plan for med, Rx, dental & vision. It has good coverage too. This is the 2nd privately held company I’ve worked for and my benefits always seem better with a private vs publicly traded company
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Old 06-01-2018, 09:18 AM   #43
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Quote:
Originally Posted by jlp04c View Post
I use CHM, if any one is wanting some details PM me... plus, they have a referral program, so at a minimum, let me give you my code to enroll 😆.
There are some things to be aware of though before purchasing!
such as?
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Old 06-01-2018, 07:12 PM   #44
DRettele
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Just received my work insurance open enrollment information today. Medical premiums going up another $1,400 starting 7/1 - bringing my premiums up to a little over $1,100/month on the work plan.
My wife has spent all afternoon checking out other options and it looks like we are going to enroll in Medi-Share next week for a 7/1 start. Our monthly premiums will be ~$540/month and then after a month we can apply for something called a healthy household discount of 20%.
I have an awesome wife for chasing all of this down today!
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Old 06-01-2018, 07:55 PM   #45
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Quote:
Originally Posted by DRettele View Post
Just received my work insurance open enrollment information today. Medical premiums going up another $1,400 starting 7/1 - bringing my premiums up to a little over $1,100/month on the work plan.
My wife has spent all afternoon checking out other options and it looks like we are going to enroll in Medi-Share next week for a 7/1 start. Our monthly premiums will be ~$540/month and then after a month we can apply for something called a healthy household discount of 20%.
I have an awesome wife for chasing all of this down today!


Your premiums are $1,100 a mo? What is your company subsidizing? Is that the only option you have thru work?
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Old 06-01-2018, 08:05 PM   #46
brrdnk
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Quote:
Originally Posted by Black Ice View Post
Of course I am. Thatís why I asked what people do for a living to have insurance that high. Are they self employed, retired at an early age, or working for a company and the insurance provided is that high?


Sent from my iPhone using Tapatalk
Ours is a little over $1500 a month for my wife, son and I. She is a school teacher and we are on her insurance. I am self employed. Every year it cost more and coverage and out of pocket is less. We at paying for the uninsured and the things Obama care forced on the insurance companies. I do not know how a single parent teacher can afford it and pay rent , car , insurance.
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Old 06-01-2018, 08:57 PM   #47
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Originally Posted by friscopaint View Post
I looked at Liberty Share and they had excellent reviews but stuck with my work insurance.
I'm using Liberty Healthshare right now without any issues. I lost my job last year and had to pay for Blue Cross Blue Shield myself. I was paying $1,500/month for my wife, my son, and myself. With Liberty Healthshare, I pay $399/month and have an annual unshared amount of $1,500 ($500 per person.) Once I reach that amount, everything is covered 100% (up to $1,000,00 per incident with the "Liberty Complete" plan I have.)
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Old 06-02-2018, 09:32 AM   #48
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Originally Posted by Bruiser View Post
such as?
Excludes pre existing conditions, so if you have a health history, it's no good. It's a per occurrence deductible, so you are out 500 ( or whatever level) per each incident. The lower levels cap the maximum. There are a few other quirks, but that's the main ones
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Old 06-02-2018, 10:45 AM   #49
DRettele
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Quote:
Originally Posted by CoolHandLuke View Post
Your premiums are $1,100 a mo? What is your company subsidizing? Is that the only option you have thru work?
My monthly premiums today are a little over $950/month. Starting 7/1 it is going to go up to over $1,100/month. I am on the Low Plan and the High Plan is about another $250 higher per month.
Company states that they are doing a 65/35 split on covering costs.
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Old 06-02-2018, 11:03 AM   #50
hooligan
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We have some friends that are on one of the Christian group share plans and they like it. Basic visits are out of pocket but more expensive things are covered from what I understand.

Unless I’m self employed I’ll never take a job without good insurance again. My current company sucks so we switched to my wife’s insurance and it’s amazing. We are on the highest plan and for a family it’s $600 mo with really low deductible and max oop. Without good insurance I’d have to have a $15-20k bump in my base to equal out
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