• Insurance help for the family?

    Asked by danellsar on Thursday, March 22, 2012

    Insurance help for the family?

    My husband was our main breadwinner, and our insurance came through him for the whole family. Now he's had to take a disability retirement. His company will only continue to cover him on medical insurance. Kids and I must find ours elsewhere.

    So far, I've not found anything that is even remotely affordable. COBRA is $2k a month. Insurance through my work would cost us over $1k a month (all out of pocket). Private insurance would be over $1k a month. We make too much to get Medicaid, but too little to pay for it ourselves. No one seems to have an answer for me.

    Any ideas (or insurance people who know where to look)??

    4 Answers from the Community

    4 answers
    • CarolLHRN's Avatar

      Have you shopped around? With the changes in healthcare laws, many companies are offering individual plans. The Blues often have something affordable. It may not be the best coverage but it is coverage. I would also ask the financial assistance office at your hospital for suggestions.

      over 4 years ago
    • GregP_WN's Avatar

      I sold insurance for years before getting sick 24 years ago, since then the insurance industry has changed dramatically. Then, an 80% major med policy actually paid 80% and 100% after the first XXXthousand that you chose. Now, it's terrible, I have to fight with my carrier on every claim, they only cover about half, and it's supposed to be 80%. I found some through Reserve National Oklahoma City, OK. Not the best but It's about 600 a month for me and wife. I was able to get it 4 years ago, 3 MONTHS BEFORE I WAS DIAGNOSED the last time. I didn't have any for years since the previous ins. had gotten unaffordable. All I can say is what Carol said, look around, call as many ins. agents as you can find and ask for a quote. Someone will have something for you that you can afford. May not be complete coverage, but it will get you in the hospital, then worry about the balance another way. Without any, sometimes it's tough getting in the hospital.
      Best of luck to you!!

      over 4 years ago
    • Buckwirth's Avatar

      The $1,000 a month number sounds about right (for me and my wife, no kids, it is just over $1k). One thing to consider is that the premiums will be tax deductible, so you may be able to cut 15% to 25% off the top of that, and if it pushes you into itemized deductions you could save even more.

      You also might want to sit down with someone who has in-depth knowledge of Medicaid, as there are multiple programs, each with its own income/asset requirements. It is possible that you could qualify for one of them.

      over 4 years ago
    • susie81610's Avatar

      Also check with BC/BS and see if they have a program for the kids. Here in Mich if you hit the spot where you make too much but don't make enough you can get coverage on the kids for $10.00 a month. Alot of places will help uninsured kids. Good Luck.
      Hugs Susie

      over 4 years ago

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