Re: URGENT: cost for individual medical insurance

If you go the corporate route, you'll find that the prices are based--in most part--on co-pays and deductibles. You'll have to make an educated guess about the likelihood of a catastrophic encounter at your age. You'll need to decide how much you're willing to cover with credit cards and savings and negotiate from there.

On Jul 27, 2005, at 6:26 PM, Christopher P. Lindsey wrote:

Probably a lot more than you'll want to pay. Health insurance seems to
put the lie to all that "market forces" nonsense we are continually
bombarded with. May I suggest that you explore joining--or affiliating
with--an existing consulting firm [having a client in tow is a definite
plus] that has a group policy. It may involve kicking in a share of
your retainer for access to group purchase.
I was also thinking of going the corporate route and doing it through
Mallorn; the prices seem better when you have a company behind you. But
there's a lot of research to do.

Also, consider if you're a 34-year-old non-smoking male, how much
health insurance you really need. When I was a self-employed
writer-editor, I went about 30 years with no health insurance.
Honestly, not much. I get eye exams yearly and glasses every two years,
dentists visits twice a year, and doctor visits maybe twice a year
too.

It's just that 'what if' factor. Having a friend who just recovered
from cancer and only ended up paying $500 out of the $250,000 bill
because of insurance was kind of neat to see.

Another option that I just researched is CORBA. It looks like I can
continue my current coverage for 18 months after I leave the University,
but I need to call tomorrow to find out what the premiums will be.

Chris

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Island Jim
Southwest Florida
27.0 N, 82.4 W
Hardiness Zone 10
Heat Zone 10
Minimum 30 F [-1 C]
Maximum 100 F [38 C]

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