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  1. #11
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    Quote Originally Posted by Jessica80 View Post

    A direct pay plan may work in your favor if local rules allow you to elect an individual plan if you are Cobra eligible.
    Unless something has changed in the last 10 years, I think you can get a direct plan here. DH used to have Blue Cross Blue Shield for Individuals even though he could have gotten insurance through other sources. It was just cheaper to do it that way. For me, I have several health problems that I am not sure I can get individual health insurance. We will see though.

    ~Bonita~

  2. #12
    Posting Addict SID081108's Avatar
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    Good luck, Bonita! I hope everything works out.
    CARRIE and DH 7/14/07
    SOPHIA 8/11/08
    LAYLA 3/24/11


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    Thank you. I called Blue Cross Blue Sheild of TN today (That is where DH used to have insurance), and it not that much more than we are paying now. COBRA was almost double. DH and I talked about it some today. I believe if he branched out on his own, he would make about $20,000 more a year. Even if health insurance was $10,000 a year, we would still be ahead $10,000 a year.

    ~Bonita~

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    Don't forget to make sure whether the policy they're offering is comparable to the one you have or not, so you know if you're comparing apples to apples, or apples to oranges. If the offered policy has higher co-pays or a higher deductible to meet, then you'll need to factor those out-of-pocket costs into your weighing of the pros & cons.
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

  5. #15
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    The insurance agent I talked to yesterday sent me a quote. The individual plan was either $410 a month with a $5,000 deductible or $560 a month with a $3,000 deductible. Preventive care was free. Other than that, nothing was paid until the deductible was met, but 100% after that. The rate might go up after a health questionnaire. (PTL, nothing major was wrong to prevent me from being able to get insurance)

    The plan we have now is about $400 a month. $35 co-pay for doctor visits, $45 co-pay for a specialist, $150 co-pay for ER. $1,000 deductible per person, $2,000 deductible per family. We pay 20% after that until the maximum out of pocket is paid which is $2,000 per individual and I think $4,000 per family.

    The COBRA would be the same as the plan we have now, but $1,300 per month.

    ~Bonita~

  6. #16
    Prolific Poster ftmom's Avatar
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    I dont have any advice, but I am feeling so happy right now that we dont have to deal with this. Figuring out my pharmacare plan is hard enough
    ClairesMommy likes this.
    Kyla
    Mom to Arianna (5), Conner (3) and Trent (my baby)

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