Re: URGENT: cost for individual medical insurance

>you also need to think about social
> security...

Yeah, you pay both FICA portions.

Kitty

----- Original Message ----- 
From: "Melody " <mhobertm@excite.com>
To: <gardenchat@hort.net>
Sent: Thursday, July 28, 2005 3:57 AM
Subject: Re: [CHAT] 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>----------------------------------------------------
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