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  #1  
November 2nd, 2012, 10:51 AM
Mega Super Mommy
Join Date: Sep 2009
Posts: 2,797
I have a health insurance question for you all and hoping you all might have some suggestions

My hubby carries our insurance and is currently laid off, which means our insurance will lapse here at the end of November I think. We are hoping he gets called back to work, but he does a lot of work "on the side" and we are considering making it a business. But health insurance would be a big one. Right now, he's in a union and we pay almost $9 every hour, so $360 a week, almost $1400 a month just to carry insurance. Than on top of that we have deductables. We have no choice when he's working but to carry and pay for the insurance.

But if we were buying it on our own, where would we start to find an affordable option for a family of almost 12? We would obviously have to carry a high deductible.

Any business owners out there, and what do you do for insurance?

And we don't want to do a government program. I'm glad they are there, but we don't want to rely on them...can you tell we lean to the right of Republicans I don't want to make a debate out of that, but we are just looking or options we would buy.
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  #2  
November 2nd, 2012, 11:42 AM
Mega Super Mommy
Join Date: May 2009
Location: southern cali
Posts: 3,356
beats me! we haven't had insurance for years and it sucks big-time. we have pre-existing conditions (your pregnancy will be considered that too) and so we don't qualify for a lot of things. joel says there are some plans that are for people like us but i don't know what they are. good luck with that and let me know what you find out.
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  #3  
November 2nd, 2012, 12:48 PM
Farmers-wife's Avatar Platinum Supermommy
Join Date: Mar 2008
Posts: 6,258
No, Clinton signed a law that excludes pregnancy from pre existing condition status.

Look at golden rule.com or look up medishare. Neither will cover pregnancy though.
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  #4  
November 2nd, 2012, 12:57 PM
UrbanMomma's Avatar Platinum Supermommy
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No idea, good luck.
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  #5  
November 3rd, 2012, 08:26 AM
HalfDozen's Avatar Formerly Number5OnTheWay
Join Date: Jul 2012
Posts: 3,593
Look up local insurance brokers. Most of them will do not only group coverages, but can help you with individual coverage. Typically, the family rate is 2 parent/child(-ren) so the number of children should be completely irrelevant to the premium amount. Also, part of HIPAA is that as long as you have not had a lapse in coverage for more than 63 days, regardless of what conditions you have, they can not be considered pre-existing.
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  #6  
November 3rd, 2012, 09:36 AM
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Join Date: Mar 2005
Location: Andrews AFB, MD
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Wow, I can't believe you were already paying $1,400 a month. My Aunt uses Blue Cross/Blue Shield and it runs her like $500 a month. Maybe call them and see what they can offer you. I think the ticket is going to be to find a plan that allows you to pay for two adults + dependent children at one rate, rather than to insure twelve individuals.
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  #7  
November 4th, 2012, 11:30 AM
Mega Super Mommy
Join Date: Sep 2009
Posts: 2,797
Thanks ladies! I will check into all of it
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  #8  
November 5th, 2012, 10:40 AM
Just_Marie's Avatar Platinum Supermommy
Join Date: Jan 2006
Location: Canada
Posts: 28,173
My recommendation is to move about ten hours North Right now its costing us $10 a month for provincial health insurance and I have no deductible. I've got a house you could rent!
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  #9  
November 5th, 2012, 02:28 PM
Mega Super Mommy
Join Date: Sep 2009
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Love it Marie! I would love to be your neighbor!!!
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  #10  
November 13th, 2012, 04:44 PM
8miraclez's Avatar Formerly Halfbaked
Join Date: Jul 2007
Posts: 7,472
Were you able to find anything?
When my dh was working contract and we didn't have insurance, we tried to buy private insurance and were pretty much told they wouldn't offer it to our family because every single one of us has a pre-existing condition. We have insurance through his work now, but we still pay around $1400/mth in premiums, copays and deductibles.
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  #11  
November 24th, 2012, 04:10 PM
Mega Super Mommy
Join Date: Sep 2009
Posts: 2,797
Thanks Rebecca for asking

I also have pre existing conditions, so that will be an issue. We have gotten some "you won't be able to afford it with that many kids" answers, but we are still trucking along. We can get cobra, through his work, but that costs us $1400 a month as well and unemployment for the month doesn't total that. Plus, we have to live We'll see!
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  #12  
November 26th, 2012, 10:32 PM
BeachMum's Avatar Mega Super Mommy
Join Date: Jan 2011
Posts: 4,219
Hi we are self pay since my dh's company cut insurance when I was pregnant with #4 and most places give you a HUGE discount when self pay. I would just tell places up front. My dh is looking for a new position with insurance to help mostly with the cost of the prescriptions (that's what has been the worst, the meds). Good luck !!!
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