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Any advice on Medical Insurance?

My husband's job has an insurance plan that will take $200 out of his paycheck EVERY OTHER WEEK. He makes about $1200.. that is $400 a month which leaves us with $800 a month to survive. We think it's ridiculous.. can anyone give us advice on any other insurance policies? Blue cross blue shield maybe.. or anything... Thanks in advance! BTW I have 2 children.. a 3 year old and a 9 month old! Right now I (the wife) have medicaid along with both of my children. However.. the state says that if one of you are employed and your employer offers insurance you have to take it. But if we did take that insurance and dropped all 3 medicaid plans.. that would leave us with $800 a month.. our bills consist of $400 in rent $200 in utilities $80 car insurance $20 house phone $40 cable $100 car gas/month at least $100 for diapers, wipeys, clothes for baby, medicine for kids, etc.. which leaves us in the hole.. no sense at all!!

Public Comments

1. www.assurant.com has great individual medical...its also very cost effective. you can buy it thru any state farm agent.
2. forget paying insurance just take good care of yourself.
3. That sounds about right. Try living without it though. One visit to the hospital could bankrupt you. Your hubby's low income is all the more reason to have good insurance. Private insurance is more expensive that insurance you get at work. Much more expensive. Beware of so called insurance plans that are nothing more than a discount plan. Never settle for an insurance without a prescription plan.
4. have a baby and you'll be amazed at how much you need insurance.
5. Insurance from employers varies from costly ones like yours to really nice ones. You can check on non group policies from Blue Cross/Shield, Cigna, etc. Unfortunately, they may be even more costly. Look carefully at ALL the costs, not just the premium. 1) max out of pocket costs per year 2) deductible 3) copays for doctors, drugs, etc With an income of only $1200/month, you may well qualify for Medicaid. Check with your closest state aid office. Best of luck.
6. Jerry, I know how you feel, faced with a decision like this one. It really is alot of money but the alternative is having no coverage at all and having to pay for doctor visits and hospital stays without it. I am an IBO with a health benefits company. We provide Healthcare benefits at an affordable price. You have to use a plan physician but there are several in network (depending on where you live) and we add 1000 every week through our referral program. We offer Dental, vision, chiropractic and prescription coverage for less than $20 month for an entire household and you can add Medical coverage which includes the Dental plus for less than $60 month for the entire household. This is NOT INSURANCE it is Consumer Driven Health care. We are a 15 year old company with the highest possible rating with the BBB, the Dallas Chamber of Commerce, the CHA, NADA, and Dunn and Bradstreet. You pay a monthly premium, make your appointment and pay at the time of service--that's it. You know the exact amount of your visit, you can call Customer care and give any medical ADA code for covered lab work, dental work, etc and get the plan price for that work over the phone. The prescription plan beats BCBS (My husband has BCBS through work and AmeriPlan® is cheaper). It can be used at Walmart, Target, Happy Harry's/Walgreen, RiteAid, and many others. The vision plan is accepted at Sears, JC Penneys, LensCrafters, etc. You can email me for additional information. Feel free to check us out. We now save over $300 just in premiums for the coverage/monthly. Michelle'
7. Why does this not make sense to you??? I read your question a few times, and I don't understand why you are both confused by this, its simple math, allow me to explain. The group coverage that all four of you are protected under your husbands employer, first of all the employer is paying 85% of that, leaving only 15% to your husband through payroll deductions, I am sure you wouldn't want to pay 100% of it. Do you need medical insurance? Well, that's a toss up, you can go without it, and then just pay the hospital or doctor for any expenses you incur, without negotiated prices of course, in the event of a catastrophic injury or illness, you will be in debt to the provider for who knows how long. The real problem would come into play if you needed prescription drugs, and had to pay retail for them. You and the children had Medicaid entitlement, and they told you, that you had to give it up if you were offered employer sponsored coverage? I would have asked to see that in writing. But Medicaid is state ran, and each state is different. Get a divorce... You and the children will qualify for assistance, food programs, etc.. Does this sound rude to you? It’s not meant to be, but just some cold truth, shut the cable off, you and your husband can spend your time with the children, it will make your family stronger. Get a radio, and listen to music, radio is free, if you can tolerate the commercials, but these are hard times, and you have to make sacrifices. Does he have someone that lives near him that works at the same place? Carpool, switch weeks, you will cut your gasoline expenses in half, financial planning will help. Seek assistance from family and friends. Are there higher paying jobs that your husband is qualified for? Find a new job with a new employer that offers higher pay, and more insurance for their employees. AND FOR GOD SAKE... Avoid these discount programs that offer "coverage" for an entire family for $20 or $40 a month, anyone that would suggest that OBVIOUSLY doesn't have you or your families best interest at heart.
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