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health insurance help!

bozakbozak 334 Posts
edited January 2007 in Strut Central
Hey all. My rates are going up from 167 a month to 240 for my health insurance. They are so high because: A)I am not part of a group (I make my living djing) B)I have a couple conditions (epilepsy and asthma). c)I have a no deductions plan. (I could afford it at the time)On top of that my already mad expensive insurance doesnt even cover any epilepsy related expences. My 150 a month anti-seizure medication comes out of my pocket. So I am at a point in which 240 + 150 = 390 is way too much per month for insurance. That doesnt even include nuerologist visits and other stuff I gotta do....ekgs, tests,....so, If anyone here is self employed or in a situation in which you are not part of a group discount and have found a health care provider that is half way reasonable I would appreciate some recommendations. As well, im in illinois so if there are any ill-noize cats in the house with some info that would be extra helpfull.I really enjoy my lifestyle, am doing what I love, and look forward to moving to a bigger city and really putting my shit to the challenge of creating a space for myself in a much more competitive music scene. BUT making sure I am healthy is priority number one. I dont like the thought of changing my means of income purely for health care cost reasons but the more I think about it........maybe il just move to canada

  Comments

  • grandpa_shiggrandpa_shig 5,799 Posts
    hope this helps!

    http://www.ipha.org/home/IPhANews/RxForIlNewsletter.html

    free or discounted scrips for state of illinois residents who qualify

    http://www.rxforillinois.org/
  • bozakbozak 334 Posts
    hope this helps!

    http://www.ipha.org/home/IPhANews/RxForIlNewsletter.html

    free or discounted scrips for state of illinois residents who qualify

    http://www.rxforillinois.org/





    that discounted scripts joint is something ive been looking for but just havnt stumbled across yet. hope it applies to someone like me.....
  • DjArcadianDjArcadian 3,633 Posts
    $240 really isn't that high. Especially given your condition. Where are you and who do you currently get coverage through? I have Kaiser which has treated me well but I've never needed it for anything major yet. I pay $177 a month being a healthy 27 year old male with no prior medical problems.
  • eliseelise 3,252 Posts
    $240 really isn't that high.

    I dont know...thats like a car payment..or groceries for a family of 3.

    plus its double of what you pay.

    No dis, but I think thats high. It shouldn't be that high.
  • JimBeamJimBeam Seattle. 2,012 Posts
    If you're having trouble with personal insurance, I would definitely look into HMO coverage, you'll find less bullshit like "we wont cover your epilepsy medication." It sucks that a working person such as yourself is even in that position. Health care in this country is so fucked.
  • eliseelise 3,252 Posts
    Health care in this country is so fucked.

    agreeed.

    that is the problem.
  • DjArcadianDjArcadian 3,633 Posts
    $240 really isn't that high.

    I dont know...thats like a car payment..or groceries for a family of 3.

    plus its double of what you pay.

    No dis, but I think thats high. It shouldn't be that high.

    I manage the healthcare for my company. $240 is not that high given your condition. There are people out there paying $500 or $600 a month.
  • eliseelise 3,252 Posts
    $240 really isn't that high.

    I dont know...thats like a car payment..or groceries for a family of 3.

    plus its double of what you pay.

    No dis, but I think thats high. It shouldn't be that high.

    I manage the healthcare for my company. $240 is not that high given your condition. There are people out there paying $500 or $600 a month.

    money hungry insurance peeps is what I see.

    $500 or $600 is some shit.
  • puchitopuchito 374 Posts
    money hungry insurance peeps is what I see.



    Talk about parasites! Check out some of the salaries of insurance company execs. It will make you shutter, to think how these people go through life with a conscious.
  • OldschoolspinnaOldschoolspinna 311 Posts
    Wow....you have health insurance?

    Thats , I want some.
  • bozakbozak 334 Posts
    $240 really isn't that high.

    I dont know...thats like a car payment..or groceries for a family of 3.

    plus its double of what you pay.

    No dis, but I think thats high. It shouldn't be that high.

    I manage the healthcare for my company. $240 is not that high given your condition. There are people out there paying $500 or $600 a month.


    240 may seem right if they cover anything related to my epilepsy but they cover nothing related to my epilepsy. Any treatment or services I may need for my epilepsy are paid 100% by me. I had a seizure last year and had to pay the ambulance bill, E.R. visit, E.R. doctors fee, x-ray, medication, EVERYTHING. shit was near 3000 for being in the ER for about an hour and a half. I would have been fine if someone put some ice on my head and placed me on a couch....

    wow. 5 or 6 a month. that just seems crazy to me...
  • bozakbozak 334 Posts
    Wow....you have health insurance?

    Thats , I want some.

    haha. yeah. Despite my problems with my current provider I do feel fortunate to be able to pay for SOME FORM of insurance even if it doesnt cover the epilepsy. I do feel better knowing that if some kind of accident, heaven forbid, were to happen I wouldnt have to worry so much on the financial end of things.

    But I want insurance that will cover my epilepsy. Maybe its time to put the degree to use and join the real world...
  • DjArcadianDjArcadian 3,633 Posts
    240 may seem right if they cover anything related to my epilepsy but they cover nothing related to my epilepsy.

    Good point.
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