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 Posted: Fri Oct 24, 2008 5:50 am Post subject: independent contractor |
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Hi, I'm a practicing independent contractor. I'd love to know my options for both health insurance and disability insurance.
DrugbeeSuzie
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DrugbeeSuzie
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| Posted: Fri Oct 24, 2008 7:31 am Post subject: |
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Hi,
Just like other people health and disability insurance should be a part of your life. I'd rather say that it is quite possible for the others to obtain these policies through their employers, but that is not possible for you. You'd need to support your future on your own since you're self-employed.
Purpleheaded08
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Purpleheaded08
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| Posted: Fri Oct 24, 2008 8:20 am Post subject: |
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Since as a self-employed person you can't avail the group health coverage benefits, you have to arrange the coverage of your own. For health care insurance you may have to depend upon the individual health insurance policies available in the market. However, the rate of individual health insurance coverage is quite high and also may depend upon your health condition. Hence, seeking the group health coverage with the professional associations or civic groups would be a cheaper alternative.
Thanks,
Rupert |
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RupertWBradson
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| Posted: Fri Oct 24, 2008 2:10 pm Post subject: |
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Any agent can get these quotes for you. Find one you trust (ask friends, etc) and ask all the questions you can.
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LifeIsGood
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| Posted: Fri Oct 24, 2008 2:28 pm Post subject: |
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| Quote: | | However, the rate of individual health insurance coverage is quite high and also may depend upon your health condition. |
Yupp, if you're gonna apply for individual health insurance, then you may need to face a medical interview which may even be followed by a medical check-up. All these may be necessary to determine whether you'd qualify for it and the cost that you'd need to bear in case you qualify.So you see, that for your carrier its gonnabe a simple risk-analysis.
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roddick
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| Posted: Thu Oct 30, 2008 5:01 am Post subject: |
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Find a broker that has many plans and companies available to them.
Most of my clients are independent contractors and my specialty is individual health. I ask them to do the following:
1. Asses your health situation (and any family to be covered)
This will help your agent get you in a plan that you can get underwritten for. They can usually do a pre-screen. List all medications and dosages taken.
2. List all doctors you see and your local hospital. This will help you find a plan which your providers will be in network.
3. List the things that are most important to be covered, wheter it is preventave care, office visits, catastrophic hospitalization, rx, ect.
4. Have in mind an amount in mind that you want your monthly premium to be at and what type of out of pocket (deductible, coinsurance, copay) that you would be willing to accept to have your premium to fall into that price range.
If you have this figured out beforehand, it will help your agent find the best plan for you and help you get the coverage you need.
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beatuplunchbox
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| Posted: Thu Oct 30, 2008 7:49 pm Post subject: |
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I know of a medical discount program that you could look into, it offers dental, vision, medical and many other features to its customers. Its not insurance, but you wont have to pay a huge premium each month especially if your not seeking medical treatment that often, it can seem like your throwing hard earned money away. Its a fraction of what you will have to pay each month for your premium with an independent insurance company and it will save you as much as 80% on your out of pocket cost for all your treatments ( unlimited use) most importantly, its very very easy to get. Go to ameriplandispro.com, they have some great medical discount programs, I got set up with them!
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| Posted: Thu Oct 30, 2008 9:12 pm Post subject: |
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| Suzie glad to see you are condiering getting health insurance for your employees..lots do not these days. |
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fireyone
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| Posted: Fri Oct 31, 2008 3:19 am Post subject: |
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| Good luck finding a plan that will fit your companies pocket book, the cost is crazy sometimes. You can find plans where they actually give employees a break for being involved in "healthy activities", Mine does that, it does encourage people to live a healthier lifestyle, alot of my co workers joined the gym, this makes it cheaper for the company too. Just a thought, you may want to address this as a break in price with the carrier that you chose. |
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goodnatured
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| Posted: Sat Nov 01, 2008 1:37 am Post subject: |
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| I know what you are talking about when you say some companies give employers a break if their employees sig up for something that helps them lead a healthier life style. My husbands job has this to. One a year the employer and health care provider run a wellness program. The employers can go in to an asssigned hospitol and get their bp,sugar,hearing, eyes cholesterol and lots more checked for free. They even advise on how to improve their problem areas. The employers presses everyone to take part (usually offering a drawing for those who participate) since it helps lower their costs. |
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fireyone
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| Posted: Wed Nov 12, 2008 2:03 am Post subject: |
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No insurance agent would cover themself with a discount plan.
There is no mention of group on this thread.
Contact a local independent agent. |
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Gardberg
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| Posted: Sun Dec 14, 2008 5:33 am Post subject: |
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What do you mean by a "discount plan" ?
What I meant is that you get a pretty healthy break for doing things that promote good health. Like eating right, tracking diet and exercise online, etc.
I have a chronic condition, so I actually have a nurse that calls me like once a month to monitor how things are going. They are really good, if I need help with any issue at all they are on it. If I have a problem with my provider or anyone in my network, they help me resolve it. I find this part of the plan to be awesome.
I had a total hysterectomy and had a lot of questions that the doctor could not answer up front. They took the issue and gave me all types of information that really eased my mind. Am really happy with this part of our medical plan. |
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goodnatured
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| Posted: Sun Dec 14, 2008 11:46 pm Post subject: |
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| Alright Good natured how the heck do you exercise online? I can only imagine how this is possible. With out health insurance they have wellness clinics where you can go mand get physicals, hearing and all the good stuff checked out. They also have twenty four - seven on duty nurses that answer a toll free number if you ever need medical information or if you are just unsure whether you need to go top the hospitol or stay hopme and take care of something your self. They wioll even expalin your medicines to you. The pain clinic I go to is notorious in prescribing things that interact..they always say the chances are slim to none but I do not like to take a chance so if I get put on any new meds I always call the toll frree number on the back of my card. |
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fireyone
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| Posted: Mon Dec 15, 2008 3:58 am Post subject: |
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Oh my god, fireyone are you serious, I did not mean exercise online, what I meant was that you track it all online.
They will monitor it if you want them to and make suggestions if you want their involvement. It is all geared toward a healthier life style, the healthier you are the less you are to be sick or have injury, therefore reducing doctors visits and claims that will be filed for them. |
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goodnatured
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| Posted: Tue Dec 16, 2008 1:53 am Post subject: |
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| Wow I really had thought this is what you were talking about. I see those WII fits (game console) and thought maybe it connected online to some exercise p[lace or something. You never know these days. |
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fireyone
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