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Still hunting for an insurance plan

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Posted 11/16/2017 1:41 AM (GMT 0)
I appreciated the help I got when I previously asked for suggestions for health insurance. Since then, I've researched many companies online and also spent time on the phone with company representatives and also an insurance broker. But it seems I can't find a lower premium for health insurance. sad

My guess is that premiums have gone up everywhere. I was told by two representatives that our current premium isn't that bad; yet it's nearly $700 a month. smhair But maybe I'm just behind the times and that is a fair premium for two people?

So....does anyone have any suggestions for a lower premium for health insurance? It would only be for one person (me) and my husband would go with his work plan. Without me on the plan, it's several hundred dollars cheaper! We can't claim me as a dependent, or go with any other type of available family plan.

Running out of options. Any more suggestions? We may end up just "biting the bullet" and going with the current plan, but....whew....it does seem expensive. shocked
Posted 11/16/2017 1:38 PM (GMT 0)
Luv's yes the premiums have sky rocketed over the years. When my husband retired in 08, the monthly premium for me was $620 per month. Two years later I received my letter starting the premium would be $1,230 per month. Of course we dropped the insurance through his job, no way we could afford that. Now, both of us are on Medicare with a supplemental plan & we pay a little $1,000 a month total for both of us. We both have health issues & need insurance but the cost is out of control for everyone.

Take care.
Posted 11/16/2017 1:57 PM (GMT 0)
Yes, insurance has gone way up. I'm always in sticker shock these days. I have long term health insurance that I've carried for 20 years. Last year it went up 25%! I couldn't believe it!

You want to be careful about inexpensive health plans also. You do get what you pay for. If you got really ill, you might be sorry you opted for inexpensive over quality plans. One well-known plan that is inexpensive isn't even accepted at my doctor's office. They accept about 30 plans but this one they won't take. So be careful. You might want to check with your doctor's office to see what plans they carry for 2018 to make sure you can continue seeing them.

Sherrine
Posted 11/16/2017 2:14 PM (GMT 0)
Thanks, Susie and Sherrine. Wow--I knew costs had risen, but not to the point of ridiculous! But, good to be aware of this.

Sherrine, good point--there can be some lousy inexpensive health plans. In researching some online, they sound great at first.....then comes the fine print! Eek!

Thanks again---always appreciate your input! smile

Post Edited By Moderator (Sherrine) : 11/16/2017 9:22:36 AM (GMT-7)

Posted 11/17/2017 1:03 AM (GMT 0)
We pay a lot for mine through my husbands company, he s retired.

It has crept up over the years, of course..

To me its outlandish, and rarely used..we chose a higher deductible..for a lower rate..so often we pay them each month, in case ..and i pay my deductible for the actual care i get..

Its silly, but we pay anyway cause if you had another major illness , you need the insurance.

😂
Posted 11/17/2017 8:59 PM (GMT 0)
Thanks, Lj. Yes, so true--so often it's rarely used, yet costs keep rising. And also true: we do need insurance! It amazes me the way insurance costs have risen over the past 10 years or so. Just boggles my mind.

Am looking into a few possibilities and weighing the pros and cons. Hoping to find something really soon.

Have a great weekend! smile
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