A community of 30,000 US Transcriptionist serving Medical Transcription Industry

Health insurance for self-employed medical transcriptionist - Happy MT

Posted: Feb 18, 2011

My husband is 6 years old than I am and retiring and starting Medicare in couple months. I have always been on his insurance. Anyone have any good leads to health insurance for us self-employed types. Thanks.

Medicare supplement - old gal

[ In Reply To ..]
I'm happy with Mutual of Omaha supplemental insurance. The plan I have is the same as the one offered by AARP but is $20 per month less. It costs me $147 a month.

Sometimes it depends on the state you live in. - Hayseed

[ In Reply To ..]
What may be available to one person, may not be available to another. That's the trouble we have here in Maine, a *&#@'in "guaranteed issue" state.

Only 2 insurance companies choose to do business here because of that fact, and they are both ridiculously expensive because they can be--no competition. So, you may want to check with your state via government website and see if they have a list of companies that are allowed to do business there.

Good luck in your search!

Happy MT - Anna-Marie

[ In Reply To ..]
I hope you do not have any (and I do mean ANY) pre-existing conditions. Our state has a high-risk insurance pool for people with things like diabetes, asthma, etc. but the premium for one person is $1600 PER MONTH with a 5K deductible.

Health insurance - Happy MT

[ In Reply To ..]
No preexisting. I need to lose 20 lb. I was quoted $1045 a month by Blue Cross/Blue Shield (SC) for 59-year-old female. No mention of preexisting. I thought Obama said they can't do that??!?!?! UNREAL. I am seriously tempting to get really healthy (lose some weight and exercise) and not have any insurance. Even our coverage now is a joke, $5000 deductible PLUS the $274/month premium payments, then only 80%. My sister told me today her neighbor was in the hospital, had no insurance. Because he was paying cash, they took off 40% of his bill. So tell me this isn't all one huge scam by health care and insurance companies....or so it would appear.

Insurance ripoffs - Learned a lesson

[ In Reply To ..]

Here is one of the reasons why they are willing to take a 40% cut in payment.

I was in the hospital last October. They asked me if I wanted a flu shot as long as I was there. I figured, why not, saves me a trip later.

When I got the itemized statement of my 3 day stay (over $16,000), they had charged me $85.00 for a flu shot (which I could have gotten at Walgreens for $30), but the real kicker was that they charged me TWICE. They wanted me to pay $170 for one flu shot. Even with a 40% discount (and only being charged for the 1 shot I actually got), the hospital was making out like bandits.

Yeh, healthcare is a ripoff.

If you are basically healthy and (the Good Lord willing) you do not need open heart or brain surgery, if you can swing putting $1000 away in an interest bearing account, you would probably come out ahead in the end.

I had always been an employee and had paid premiums for 30 years without ever having to be admitted to a hospital. If I had put all that money into an interest bearing account, I would be set now.

Too bad they have brainwashed us into thinking we cannot live without insurance. The truth is, we could probably live better without it.

But some can't - Em

[ In Reply To ..]
And it is impossible to predict who or when. My DD has a metabolic disorder, and her medication alone costs $750 a month. She spent 21 days in the hospital in 2010. But you can be healthy and have one hospitalization wipe you out if you don't have insurance and don't qualify after the fact for assistance. It would scare me, and my personal health costs aren't that high.

http://www.healthcare.gov/ - Em

[ In Reply To ..]
Try looking there. All states actually have a High Risk Pool (like mention) but they also have a pool for people who have pre-existing conditions (caveat you have to be uninsured 6 months first). This is the info on that plan in Texas
http://www.healthcare.gov/law/provisions/preexisting/states/tx.html
I did not know about these plans before I went to that healthcare.gov site.

This is where I get my insurance from - xmtso

[ In Reply To ..]
had pre-existing condition and was denied coverage, but was able to get it through my state's healthcare reform program.

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