Comments on: Health Insurance Can Be a Bitch.

By: J. Money

J. Money — Mon, 28 Nov 2022 14:52:00 +0000

oh man, you’re bringing back the memories!!!

you or your spouse should switch and work for the government – their plans are amazing! lol… as soon as my wife got a job there the premiums took a nosedive and having babies cost pennies on the dollar. It’s amazing.

but yes, without good insurance it’s a night mare. and even good insurance doesn’t always last :(

hang in there… sending over good vibes!

By: Cait Young

Cait Young — Sat, 26 Nov 2022 22:27:56 +0000

I’m glad to be in good company. We are currently navigating the health insurance system in preparation for pregnancy and I want to scream. I’m finally making decent money, but the extra money we’re making is getting eat up by the monthly premiums ($775!) + out of pocket costs since insurance apparently doesn’t cover much until we meet our $7k deductible.

Thanks for sharing your experience. Even ten years later, this post hits home.

By: J. Money

J. Money — Fri, 31 Aug 2012 21:21:53 +0000

Good one, thx! And sometimes even COBRA is too high if your old employer was giving you a great plan :) My old one would have cost me $800/mo just for myself, so I’d have to go on my own anyways, but you’re right – usually it’s a good thing to consider, even if just temporarily until you find a better one.

By: John Egan

John Egan — Thu, 30 Aug 2012 22:55:31 +0000

One good piece of advice is that if you’re self-employed and have recently left a job, stay on your previous employer’s COBRA plan. It’ll save a pretty good chunk of change. Doing your homework and making sure you’ve sufficiently evaluated your options are keys to making sure you get the best health insurance coverage as a self-employed person.

By: J. Money

J. Money — Wed, 29 Aug 2012 16:44:48 +0000

Oh, great! That’s def. a good start then :) Keep it up! And hurry up and make a million dollars from your blog too, okay?

By: Jen @ Master the Art of Saving

Jen @ Master the Art of Saving — Wed, 29 Aug 2012 14:33:45 +0000

I have a Health & Dental (ING sub-account) that I’ve been putting money in here and there. It’s only up to $600, but it’s better than nothing. I just need to stay focused on increasing the income and things will fall into place. :-)

By: J. Money

J. Money — Wed, 29 Aug 2012 13:58:27 +0000

@Jen @ Master the Art of Saving – Hmm… yeah, def. tough without much income coming in.. are you at least saving some on the side just in case an emergency comes up? Even if it was only $100/mo? That will help you feel better a bit.
@Donna Freedman – Haha… yes, there’s always that! Don’t forget about your new friendly mini-scars too – they’re always the life of a party :)

By: Donna Freedman

Donna Freedman — Wed, 29 Aug 2012 06:23:07 +0000

I now pay $512 a month for just me. But as you know, illness can strike without warning. So can the front bumper of a texting driver as you head across the street.
Witness my gall-bladder surgery a few months back. No symptoms, suddenly a lot of pain, and a couple of weeks later I’m having an organ removed. If it weren’t for insurance I’d have been agreeing to a payment plan for a boatload o’ bucks.
Not that I was nuts about paying just under $2,000 for my share, mind you. But it beat the hell of the alternative. At least they let me keep those bitchin’ slipper socks. :-)

By: Jen @ Master the Art of Saving

Jen @ Master the Art of Saving — Tue, 28 Aug 2012 16:37:44 +0000

Totally, I’m always worrying, stressing, freaking out that something is going to happen. Last time I checked though, it would costs us about $400 for the crappiest plan they had. For a decent one, it was around $700+ a month.

There are a couple of things we could cut from the budget, but that would only give us around $250/mo. We don’t really spend any money on entertainment or buying stuff, so it’s pretty strict already.

By: J. Money

J. Money — Tue, 28 Aug 2012 14:44:28 +0000

Wow. Just realized my new payments are probably equal to others’ mortgages? Pretty crazy…

@Budget & the Beach – Man, you’re right on that. Nothing we can do about it cuz we need it 100%! Sorry to hear about your brother, that’s sad :( On both accounts.
@Stephanie – I hope it all goes in your favor! Baby stuff thows it all for a loope, jeesh :)
@Mike@money-mouse – Okay, yeah that’s what I thought was the case over there – thanks for sharing :) I think it’s absolutely fantastic that everyone is covered there rich and poor.
@Joe @ Retire By 40 – I know, I don’t understand it either. I think us Americans just like to complain a lot ;)
@Samantha – Glad you approve ;)
@SavvyFinancialLatina – Awesome! Yes, most def. take advantage of it and keep yourself nice and healthy :) I’m glad to hear it!
@Mr. Everyday Dollar – Nice! That’s not a bad deal at all.
@My Money Design – I know :( I feel like it’s getting scarier and scarier as the years go by… politics get in the way of so much these days.
@Ginger @ Girls Just Wanna Have Funds – Well the Mrs. still has maternity coverage on her plan, it just wouldn’t be covered if she joined mine without shelling out more money. So we’ll have to see what plan makes the most sense once it’s time for us to start making more babies again :)
@Jen @ Master the Art of Saving – You don’t have insurance? Aren’t you worried/stressed in case something crazy happened? It freaks me out too much :( I hope you both remain safe until that time too! Don’t go skydiving or anything! :)
@Jenna, Adaptu Community Manager – Yeah, that is nice actually. A small plus to it all :)
@Brent Pittman – Oh, really? I wonder if ours will drop too then, even if we don’t have an HSA? Hmmm… that would be something awesome to look forward to!
@Kira – For sure, I know it’s not FREE in the grand scheme of things, but it gets the point across as people don’t pay directly for their insurance in other countries – even if they pay more in other areas/etc. Didn’t mean to offend you though, so I am sorry if I did.
@LB – I never researched health insurance for kids until after he was born cuz I knew I didn’t have a choice anyways – he needs it :) Now I could certainly research around more and compare other company’s plans and offerings, but honestly it’s too much work to save a few dollars right now. I’ve got my hands full with everything else now plus the new baby, so I just called them up and locked it in hoping they wouldn’t slam me. And unfortunately they did :( I’ll consider switching by this time next year and see where we’re at… maybe the wife will have a killer job and benefits by then?
@Brian – Thanks man, appreciate the kind words :) Stop by any time!
@ckphoto – Woahhh, GREAT POINT! And way to go w/ cutting back too like that, I don’t have the balls for that yet ;) Having a higher deductible and % paid scares me too much at this point, even though I know it would save me hunreds of dollars each month too. Ask me in about 6 months though when I’ve paid half of what you have all year and we’ll see if I’m singing the same tune, haha… thanks again for the reminder, my man.
@Edward Antrobus – Oh jeez, that sucks man I’m sorry :( Hopefully one day we’ll be making enough where it doesn’t even matter! :)
@DC @ Young Adult Money – Yikes! So glad y’all had some then – that could have been crazy!!
@Wojo – Hmm… I’m thinking that maybe I need to re-think this in the near future and see what the fuss is about on these HSA plans… it never really crossed my mind even though I know people love them, but it may make more sense once we’re out of this more scarier time frame with babies when they’re so fragile :) Thanks for stopping by, bud – see you at FINCON I hope?