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Health insurance

Answered on August 19, 2014
Created January 11, 2013 at 10:26 PM

Hi all,

Do you have health insurance? Why or why not?

Does your job provide insurance for you?

J

6fece842bd1bcf5724f458a302a2156e

(1169)

on November 28, 2013
at 08:28 PM

We are very very lucky in the UK that we are such a small nation that we can afford free healthcare for all so no is the answer (although some employers provide it). Occasionally I have chosen to pay for something - eg. had my eyes done so no glasses (but that is regarded as cosmetic here so not covered by our national health service).

F02990386b12528111740ad6279ba29d

(1363)

on January 12, 2013
at 01:43 AM

I should add that if you are getting free money towards health insurance from work, it may pay to get a low deductible plan.

9a5e2da94ad63ea3186dfa494e16a8d1

(15833)

on January 11, 2013
at 11:50 PM

What does this have to do with the Paleo diet?

1b247b3ca673cb9a5c547c69d490de8f

(237)

on January 11, 2013
at 11:28 PM

Pardon the misspelling this forum isn't cell phone friendly

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9 Answers

1
A31b063c5866c08aa9968a8f2f1e9949

(1721)

on January 11, 2013
at 10:49 PM

I do - my job pays part of it; we pay about $800-$900/month for the premium. It seems like we pay more in premiums and get less in benefits every year, though, so we've thought of not having it; however, the risk of not having it outweighs the cost in my book.

0
31bce7f4b1ff1d32a2b0777dada5b4cd

on November 28, 2013
at 10:27 AM

There are many reasons to consider buying insurance. Insurance helps you prepare for a secure and better future. Proper planning today ensures peace of mind and security against any type of uncertainties in the future. A majority of people buy insurance as a way to replace lost income, in case something happens to them prematurely. It also helps pay off debt, education costs and other unseen expenses. The type of insurance you choose depends upon the type of needs. It is important to consider current assets and income, as well as future requirements before deciding on the type of policy.

0
31bce7f4b1ff1d32a2b0777dada5b4cd

on November 28, 2013
at 10:20 AM

There are many reasons to

<a href="http://www.findmeanadvisor.com/insurance.html">consider buying insurance.</a>

. Insurance helps you prepare for a secure and better future. Proper planning today ensures peace of mind and security against any type of uncertainties in the future. A majority of people buy insurance as a way to replace lost income, in case something happens to them prematurely. It also helps pay off debt, education costs and other unseen expenses. The type of insurance you choose depends upon the type of needs. It is important to consider current assets and income, as well as future requirements before deciding on the type of policy.

0
60d030a384644d1fc26a91269c1e81d2

(0)

on September 13, 2013
at 04:34 AM

I have a health insurance for about a year now. Just for assurance.
Prudential Life

0
F02990386b12528111740ad6279ba29d

(1363)

on January 12, 2013
at 01:04 AM

I have health insurance, the highest deductible plan I could get. I think, particularly for those on a paleo diet, a high-deductible disaster type plan is the way to go. Combine that with an HSA (which is pre-tax contributions) and its best-case scenario.

Unfortunately due to the unhealthy state of our country, demand for services is rising/has been rising extremely fast and costs are going to continue to rise. If you are not on a high deductible plan, you are essentially subsidizing the sick people who aren't on a paleo diet.

Once 2014 hits, in the States, you are going to subsidize those people either way though. But a high deductible plan will offset it at some small amount.

F02990386b12528111740ad6279ba29d

(1363)

on January 12, 2013
at 01:43 AM

I should add that if you are getting free money towards health insurance from work, it may pay to get a low deductible plan.

0
D41bd7b3d3b962eb0146f471eb632f56

on January 12, 2013
at 12:56 AM

Insurance? No. Medicaid? Yes. Insurance is prohibitively expensive for us right now, and it doesn't even cover maternity in this state. We'd be paying more than we can afford for absolutely nothing.

No, my job does not provide insurance. I've only ever worked at one job that provided insurance. It was also the only place I'd ever worked that had more than 50 employees. My husband's job offers insurance for full-time employees (he's not), but the premiums cost significantly more than if we bought insurance privately.

All that changes in a couple months, though. Hubs has been accepted in the military commissioning program and I'll be joining a faith-based medishare program and supplementing dental and vision with Tricare.

0
Bd4418bbd47073aba6bf78bdde8a117a

on January 11, 2013
at 11:31 PM

I am covered through my husbands job, probably costs less than $200 monthly out of pocket, mostly paid by employer. Also have secondary coverage thru his retired military. Never used it except for basics for 25 years, then last year I became very ill, diagnosed with an autoimmune disease, have had 2 big surgeries last year directly related to this issue, and am now on IV medication every 6 weeks, about $2000 that is totally covered (yes, every 6 weeks), as well as one medication daily by mouth that would cost about $150. monthly, but I pay only $5. Medical bills last year topped $100,000, I paid $400. out of pocket. So yes, I will keep the insurance as long as we can afford it, right now I can't afford not to have it. Still, as a medical professional, I am very tuned in to patients that cannot afford the medical coverage, but at my hospital, we do not turn them away. I recently made an appointment for my son with a pediatric gastroenterologist and they would not make the appointment without the insurance info, refused to make appointment because I didn't have my hands on the insurance info when I called. I had to call back and start all over again, JUST to make an appointment. Afraid this is where we are heading in this medicine business. And, yes, my job does provide insurance, but it is more expensive and the coverage is limited to my hospital and its' doctors/pharmacy/ services. Not optimal IMHO.

0
1b247b3ca673cb9a5c547c69d490de8f

on January 11, 2013
at 11:27 PM

I have state insurance. We are a minwage state. We also only hire part timers. So I hold 2 jobs and the wife 3. We comb ned work 64 hrs a week and we both have bachelors and both veterans. Worthless in this state.

1b247b3ca673cb9a5c547c69d490de8f

(237)

on January 11, 2013
at 11:28 PM

Pardon the misspelling this forum isn't cell phone friendly

0
753e1b824fbe0b11c797a244b1a4c7e3

on January 11, 2013
at 10:44 PM

I have it, mostly paid for by my job but I do have money taken out of my paychecks for it- probably about $1,000 per year. Generally I am pretty healthy, and I only use it for a physical and a "woman's wellness" appointment each year, and for one monthly prescription plus an inhaler I get about 1-2x per year (both of which I could get cheap anyway through pharmacy programs). I don't know if it's worth the money I pay out of pocket to have it in general, BUT, I would also hate to have an emergency and not have it. It's like any other kind of insurance I suppose; maybe you will never truly need it, but if you do, you'll be very glad to have it.

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