|Forum topic by Mark A. DeCou||posted 10-09-2006 08:48 PM||2302 views||1 time favorited||40 replies|
10-09-2006 08:48 PM
NOW HEAR THIS: I do not get anything from anyone for posting any names of health providers in this Forum. I do not sell insurance, nor get any commissions from any insurance companies (but I would be open to getting paid, so call me!), so what I have to say is a personal opinion, only provided to help open the discussion, and see what others are doing about insurance.
So, here it goes:
Fear of the unknown and worries about personal bankruptcy caused by unplanned health problems, sends many of our family, friends, and neighbors to jobs they hate each Monday morning. I know this because it was true for me, and like I said, from the countless number of people that have spoken to me about it in the past.
This is the summary of the information I always offer when people ask:
In the past, I have considered several different options for getting health coverage:
When I spent several years exploring the options of self-employment, counting the sacrifices required, and seeking out full-time artists to get advice from, I was told by every person I contacted for me to pick “Option 1.” And for some families, this might be the best. But, for our family it wouldn’t work, as my wife wanted to live out her dream of staying home to raise kids. So for us, I had to move on down the list.
I have been most happy out of all the above listed options with Number 6, insurance provided through my membership in the www.nase.org group. I found this insurance through a trade show, where we happened onto an insurance salesman. The sales person that would call on me in Kansas, will be different than anyone else would use, so if you are interested, get on their website and get someone to contact you.
We are healthy, family of four, no bad health history, no prescriptions, safe lifestyle, no dangerous hobbies, no alcohol consumption, no smoking, no drugs, no sexual promiscuity, no “nothing,” (pretty un-American in a lot of ways). For our health coverage, and the group’s membership, our health costs are around $400 per month. This has to do with a lot of factors, so get your own quotes. Also, in this $400, I have pay $50/month more than I could because I am heavier by 10 pounds than their height/weight chart allowed (So, the wife is riding me about the pounds, and the $600/year cost that it causes). So, the end result could be that our costs are more like $350/month if my diet works out.
Now, I don’t speak “insurance-ease” language, so I don’t totally understand all of the coverage that I have, or don’t have, so just don’t ask me. If you have questions about the coverage, ask someone that might be able to answer those questions at the website, or from a salesperson.
I do know that I have a good sized deductible, I can choose whatever doctor I want, and the less I use a doctor, the cheaper my future costs are. So far, so good. If this opinion changes, I will sure let you all know.
I’d be very pleased to hear what others have done to get insurance,
-- Mark DeCou - American Contemporary Craft Artisan - www.decoustudio.com