Health Insurance

[deltahunter49]

My insurance is provided through the company i work for, however after adding my wife and son under the family package its now draining $150 a week out of my pay check. Any ideas or suggestions for finding a better/cheaper plan. We are with blue cross blue shield now.

[free78]

If you find something let me know. We have federal blue cross/blue shield and it's $200 a check. I don't understand how mine is that much when government contractors that work with pay like $50 a month.

[jacksbuddy]

You can probably check on-line for coverage, but make sure to read the coverages carefully. Pregnancies are not typically covered with most of those on-line policies. When I add my wife to mine in the near future, it'll cost me over $400.00 a month. Then with children....

[deltadukman]

$150 a month extra to have a wife and child on a group isnt that much at all. On a group pregnancy is usually automatically covered whereas on an Individual Blue Care through BCBS it isnt. You can look around, but I dont think you'll mind much cheaper. The rate you are paying is based on the census of the entire group and at that rate your group appears to either be young or not have alot of issues or a combination of both.

[Hunkerdown II]

You will find that most people on here would take that rate and probably dance in the street. Mine is $800 and some change a month. Family coverage.

[gps4]

$150 a month extra to have a wife and child on a group isnt that much at all. On a group pregnancy is usually automatically covered whereas on an Individual Blue Care through BCBS it isnt. You can look around, but I dont think you'll mind much cheaper. The rate you are paying is based on the census of the entire group and at that rate your group appears to either be young or not have alot of issues or a combination of both.

i read the OP to say 150/week or 600-750/ month

[farmerc83]

As stated above, your rate doesn't seem that outrageous. I'm 28 and have a 1 month old, neither of us have current or previous health issues, we both have individual policies with BCBS with a $2,500 deductible....mine is $136 and my daughter's is $165 monthly.

From previous experience, an individual policy on a healthy 20 something female with pregnancy coverage will run $400-$500 a month. High as giraffe's "BEARDED CLAM", but better than paying a $10k+ bill on your own if something happens.

[mossyisland]

Talk to Trey Meacham on here. He will do you right at a good price. His name on msducks.com is "Trey"

[Roach]

Wife, Son, and myself...$1100/month so be thankful you have what you've got.

[deltahunter49]

@ Roach- Thats crazy i'd be insurance broke if i had to pay that a week.

[trey]

call me 601-622-1974!!!

Trey Meacham


Man yall are crazy paying that much for health insurance! Most people hardly ever use their health insurance except for Dr. Visits...

I can give you health coverage, supplemental, dental vision, and all kinds of coverage for 60% less than what you are paying now and if something happens, you'll make money...

The way I have my health insurance... i pay $66/month for my health ins with unlimited dr. visits/prescription coverage..... I have a 15,000 Specified Disease Plan, 25,000 accident plan and I get paid $500/day for every day I'm in the hospital!

I pray every day I get sick or have a car wreck! Not to mention I added a short term disability policy that pays me $2500/month for 12 months to rehab or get better if something happens... All this cost me under $100/month!!!

I dont' know how people pay 1,000/month for health coverage... that's obsurd!!!!

[trey]

You can probably check on-line for coverage, but make sure to read the coverages carefully. Pregnancies are not typically covered with most of those on-line policies. When I add my wife to mine in the near future, it'll cost me over $400.00 a month. Then with children....

Let me save yall the head ache on this, if you go to ehealthinsurance.com and put your information online, you will get 1,000 of phone calls and you can't get an accurate quote online b/c they just give you the best/most preferred rate without knowing any medications or preexisting conditions.... Sit down with a local advisor, custom design your plan!!!!

[trey]

As stated above, your rate doesn't seem that outrageous. I'm 28 and have a 1 month old, neither of us have current or previous health issues, we both have individual policies with BCBS with a $2,500 deductible....mine is $136 and my daughter's is $165 monthly.

From previous experience, an individual policy on a healthy 20 something female with pregnancy coverage will run $400-$500 a month. High as giraffe's "BEARDED CLAM", but better than paying a $10k+ bill on your own if something happens.

you are paying $301/month total right??? When you want the exact same policy for $200, let me know... Actually if you we compare plans exactly then, you can get the exact same coverage for $164.59/month!

[deltahunter49]

Yea i made the mistake of filling out my information for an online quote a month ago and im still getting about 10 calls a week.

Trey who do you work for? Also if my insurance is covered by the company i work for and still had my son covered as a dependent what kind of rates would i look to pay for my wife under a seperate policy that you propose?

[Roach]

call me 601-622-1974!!!

Trey Meacham


Man yall are crazy paying that much for health insurance! Most people hardly ever use their health insurance except for Dr. Visits...

I can give you health coverage, supplemental, dental vision, and all kinds of coverage for 60% less than what you are paying now and if something happens, you'll make money...

The way I have my health insurance... i pay $66/month for my health ins with unlimited dr. visits/prescription coverage..... I have a 15,000 Specified Disease Plan, 25,000 accident plan and I get paid $500/day for every day I'm in the hospital!

I pray every day I get sick or have a car wreck! Not to mention I added a short term disability policy that pays me $2500/month for 12 months to rehab or get better if something happens... All this cost me under $100/month!!!

I dont' know how people pay 1,000/month for health coverage... that's obsurd!!!!

Trey,
What kind of deductibles are you carrying?