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    Private Insurance

    Anybody know of any decent private insurance companies? My employer's family insurance is outrageous, and we've been going through Assurant Health for my wife and 2 kids. Apparently it doesn't cover crap now that we just got our first bill. For the last month's doctor's visit and routine vaccinations our share of it was $849! I'm so ****** I can't hardly see straight, and if it wasn't my kids I would drop insurance period right now.

    Any bright ideas?



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

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    Re: Private Insurance

    Go high deductible and HSA



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    Re: Private Insurance

    Bump



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

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    Re: Private Insurance

    Quote Originally Posted by tigershoops31 View Post
    Anybody know of any decent private insurance companies? My employer's family insurance is outrageous, and we've been going through Assurant Health for my wife and 2 kids. Apparently it doesn't cover crap now that we just got our first bill. For the last month's doctor's visit and routine vaccinations our share of it was $849! I'm so ****** I can't hardly see straight, and if it wasn't my kids I would drop insurance period right now.

    Any bright ideas?
    You have to be careful. Companies like Assurant have no negotiated fees with doctors. The doctor gets to charge whatever he wants, usually the same fee as for aomeone with no insujrance, then Assurant pays a pittance and you get the rest. You have to deal with a large well established ins company who has negotiated rates for everything. (They negotiate with the weight of all their customers behind them. Doctors who agree to the rates are in the system) Stick to Blue Cross, United, and comparable companies.


    Early commit - fall 2024

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    Re: Private Insurance

    I'd talk with your home/auto agent, or find an independent agent to go over this with. I'm not familiar with Assurant and how they seem to differ from the other options mentioned above.

    Do you have an pre-existing conditions to worry about in the family?


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

  6. #6
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    Re: Private Insurance

    Quote Originally Posted by simply1 View Post
    I'd talk with your home/auto agent, or find an independent agent to go over this with. I'm not familiar with Assurant and how they seem to differ from the other options mentioned above.

    Do you have an pre-existing conditions to worry about in the family?
    No we don't...just my wife, a 3 year old, and a 1 year old with no pre-existing conditions. The problem wasn't getting coverage or the premium rates, it's just that once the bill came insurance didn't hardly pick up anything. Reading the fine print they don't cover really anything above the visit (ie: vaccinations, etc) for kids 0-7. 2 shots cost us $520 out of pocket



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

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    Re: Private Insurance

    Was it because you have to meet a deductible? That's pretty terrible coverage. :/


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

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    Re: Private Insurance

    Depending on your income, you might qualify for hawk-i through the state as well


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

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    Re: Private Insurance

    You might also look this over, # of complaints by company, and look to the lower end of the complaint scale.. :)

    Iowa Insurance Division :: View Complaint Ratios for Various Insurance Companies-2009


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

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    Re: Private Insurance

    Quote Originally Posted by simply1 View Post
    Was it because you have to meet a deductible? That's pretty terrible coverage. :/
    Nope, just wasn't covered...I would think of all things they would cover vaccinations as part of the plan



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

  11. #11
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    Re: Private Insurance

    Quote Originally Posted by simply1 View Post
    You might also look this over, # of complaints by company, and look to the lower end of the complaint scale.. :)

    Iowa Insurance Division :: View Complaint Ratios for Various Insurance Companies-2009
    Thanks!



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

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    Re: Private Insurance

    Check Assurant Health. We've been satisfied with them before, and that's who we're planning to use for this year.


    Since we are an elite team now, let's go get that One Cyclone Moment.
    Make this one for the ages!




    http://rememberingdoria.wordpress.com/

  13. #13
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    Re: Private Insurance

    Quote Originally Posted by CycloneErik View Post
    Check Assurant Health. We've been satisfied with them before, and that's who we're planning to use for this year.
    From his post, that's who he has now...


    I don't do signatures. Blondes, brunettes, and red heads are a different story.

  14. #14
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    Re: Private Insurance

    Quote Originally Posted by simply1 View Post
    From his post, that's who he has now...
    CycloneEric gets referral coupons from them for coverage, you will have to forgive him...



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    Re: Private Insurance

    Quote Originally Posted by CycloneErik View Post
    Check Assurant Health. We've been satisfied with them before, and that's who we're planning to use for this year.
    What plan did you have with them? Cause I am not happy with what we have seen so far from Assurant...



    Im just glad I have Homan as my bodyguard, Eustachy joked. If I ever make it real big and get to drive a limo everyday, hell be driving it. I thought he came off the bench like somebody was stealing his cow or something.

    http://blogs.dmjuice.com/?cat=43

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