Re: URGENT: cost for individual medical insurance

Chris: I was going to suggest you check out COBRA as well...also, if you
work for a University, do you contribute to a retirement fund that you
are going to need to replace as well? I'm assuming that you would also
fall under the category of self-employed, so in addition to insurance
and possible retirement fund, you also need to think about social
security...I believe it is mandated that you must contribute quarterly
or you pay stiff penalties.



Melody 
Hills, IA  zone 5

Work for the Lord:  the pay isn't much but the retirement is out of this world!

 --- On Wed 07/27, Christopher P. Lindsey < lindsey@mallorn.com > wrote:
From: Christopher P. Lindsey [mailto: lindsey@mallorn.com]
To: gardenchat@hort.net
Date: Wed, 27 Jul 2005 17:26:07 -0500
Subject: Re: [CHAT] URGENT: cost for individual medical insurance

> Probably a lot more than you'll want to pay. Health insurance seems to
<br>> put the lie to all that "market forces" nonsense we are
continually <br>> bombarded with. May I suggest that you explore
joining--or affiliating <br>> with--an existing consulting firm [having
a client in tow is a definite <br>> plus] that has a group policy. It
may involve kicking in a share of <br>> your retainer for access to
group purchase.<br><br>I was also thinking of going the corporate route
and doing it through<br>Mallorn; the prices seem better when you have a
company behind you. But<br>there's a lot of research to do.<br><br>>
Also, consider if you're a 34-year-old non-smoking male, how much <br>>
health insurance you really need. When I was a self-employed <br>>
writer-editor, I went about 30 years with no health
insurance.<br><br>Honestly, not much. I get eye exams yearly and glasses
every two years,<br>dentists visits twice a year, and doctor visits
maybe twice a year<br>too.

<br><br>It's just that 'what if' factor. Having a friend who just
recovered<br>from cancer and only ended up paying $500 out of the
$250,000 bill<br>because of insurance was kind of neat to
see.<br><br>Another option that I just researched is CORBA. It looks
like I can<br>continue my current coverage for 18 months after I leave
the University,<br>but I need to call tomorrow to find out what the
premiums will
be.<br><br>Chris<br><br>---------------------------------------------------------------------<br>To
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