Wednesday, October 03, 2007

Insurance

Health Insurance is a sore subject in this house. The only way that we qualify is because we are self-employed and can get it through our company. We have pretty good coverage.

Last Christmas I received my annual renewal letter. (I HATE THAT IT COMES AT THE HOLIDAYS) They were doubling our rates. At that time we paid about $1,000 per month for the three of us. Blue Cross & Blue Shield were taking away benefits, adding additional deductibles, and doubling our rates. When I opened that envelope I screamed, cried and threw the papers. I called the agent and cried to him. It was horrible. They finally calmed me down and said we did have other options but not with BCBS. They started shopping.

They got us an excellent rate (under $1,000) with MVP Healthcare. Now $1,000 for three people is NOT a great deal but at least I would still have coverage that I could afford. We absolutely cannot go without health coverage. My son has allergies, my husband has cluster headaches, and I go to the doctor once a year. If we self insured ourselves we would probably come out ahead until we had the ONE accident, or illness and then, we would go broke. Going without health insurance is not an option.

I know that this Christmas we will get another letter. I hope and pray that they stay within reason. I just might be checking out the health insurance rates with SecureInsuranceQuotes.com.

I am sure that eventually we will not qualify under our business then we will have to start looking for individual insurance. The rates are not as good and the coverage is half what you get under a business policy. You have to decide what you want to be covered for. How do I know what I want to be covered for until I need coverage?

I also noticed that SecureInsuranceQutoes.com can give you quotes for other types of insurance. You can get your auto insurance, home insurance, health insurance, or term life insurance quotes through them.

1 comment:

wRitErsbLock said...

ugh. I hate shopping insurance. I'm the benefits administrator for my company.