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Need help buying Health Insurance

Mariposa Bella

By Mariposa Bella, in Insurance & Financing

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Mariposa Bella    3

Mariposa Bella
Posted

My job is going to give me an allowance to pay for medical insurance, but I am in the dark as to coverages. Is anyone educated on this subject? I need help in finding a good plan, please help.

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kellymoos    4

kellymoos
Posted

I have Humana Insurance and it cover alot!!! Not sure about an individual plan, mine is through a group plan.

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Alexandra    55

Alexandra
Posted

Estela, you need to contact a broker who is licensed in your state. Individual insurance is widely variable depending on where you live, and you need to get LOCAL advice.

I'm a broker in New Jersey, where invidual insurance is guaranteed-issue (that is, you can't be turned down for health reasons). I don't know if that's the case where you live, and your being banded just might be an issue. Good luck!!

Edited to add that if your job has a group plan for its employees, THAT'S the plan to get on. There are protections applied to groups that do not apply to individuals and you want to be part of that if you can.

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Mariposa Bella    3

Mariposa Bella
Posted

There are only two employees in our office and we don't have group coverage (which would be ideal) The other person in the office is also a realtor so she has some sort of coverage for self-employed business persons. Where do I find an insurance broker? Do you think that having the band will be an issue?

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Alexandra    55

Alexandra
Posted

You can find a broker in the yellow pages easily enough, I'd think. I know in NJ a two-person business is qualified for a group plan even if one person has insurance elsewhere. I honestly don't know what the situation is in Florida.

And having the band would definitely NOT be an issue here, but again, in Florida all the laws may be different. (It's the MOST infuriating thing about insurance, the fact that it's governed by the states and there's no uniformity.)

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Mariposa Bella    3

Mariposa Bella
Posted

The person in my office is happy with her insurance coberage and does not wish to change, so I have to look for individual coverage. The company will pay my premium, so I won't have any out of pocket expense there. I have located a broker in town, thank you so much for the advice.

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Go To Topic Listing Insurance & Financing

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      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
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      1. LeighaTR

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    • Alisa_S

      Alisa_S

      On day 4 of the 2 week liquid pre-op diet. Surgery scheduled for June 11th.
      Soooo I am coming to a realization
      of something and I'm not sure what to do about it. For years the only thing I've enjoyed is eating. We rarely do anything or go anywhere and if we do it always includes food. Family comes over? Big family dinner! Go camping? Food! Take a short ride or trip? Food! Holiday? Food! Go out of town for a Dr appointment? Food! When we go to a new town we don't look for any attractions, we look for restaurants we haven't been to. Heck, I look forward to getting off work because that means it's almost supper time. Now that I'm drinking these pre-op shakes for breakfast, lunch, and supper I have nothing to look forward to.  And once I have surgery on June 11th it'll be more of the same shakes. Even after pureed stage, soft food stage, and finally regular food stage, it's going to be a drastic change for the rest of my life. I'm giving up the one thing that really brings me joy. Eating. How do you cope with that? What do you do to fill that void? Wow. Now I'm sad.
      · 1 reply
      1. summerseeker

        summerseeker

        Life as a big person had limited my life to what I knew I could manage to do each day. That was eat. I hadn't anything else to look forward to. So my eating choices were the best I could dream up. I planned the cooking in managable lots in my head and filled my day with and around it.

        Now I have a whole new big, bigger, biggest, best days ever. I am out there with those skinny people doing stuff i could never have dreamt of. Food is now an after thought. It doesn't consume my day. I still enjoy the good home cooked food but I eat smaller portions. I leave food on my plate when I am full. I can no longer hear my mother's voice saying eat it all up, ther are starving children in Africa who would want that!

        I still cook for family feasts, I love cooking. I still do holidays but I have changed from the All inclusive drinking and eating everything everyday kind to Self catering accommodation. This gives me the choice of cooking or eating out as I choose. I rarely drink anymore as I usually travel alone now and I feel I need to keep aware of my surroundings.

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        BTW, the liquid diet sucks, one more day and you are over the worst. You can do it.

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