Quote:
Originally Posted by Steel Horse Cowboy
I called BC/BS and they wanted $475 a month to cover me under the same crap my buddies at the Mill and UPS get for $35 a week. CRAZY!!!
The cost to "The Mill" and UPS would be somewhere close to the same $475 as BC/BS charges. The difference is that The Mill and UPS is paying the difference for the employee. When one is their own boss they usually have to cover the entire cost themselves. When i got off the road last November I went back into insurance (Life/Health/Disability/etc.) I'm only licensed in FL but the rates aren't THAT different state to state. BC/BS however is very different as they are actually different companies based on the region they're in. Most people down in FL don't care too much for BC/BS but up in your neck of the woods they're one of the better bets for insurance. (As I understand it) I don't write for BC/BS because as I said, they're not the greatest here in FL and they probably have the worst record for keeping rates stable - and supposidly they're a non-profit organization.
Here's one examples - again, this assumes a FL resident. This is from United Healthcare/Golden Rule.
This quote assumes: Male, 40 years old, non smoker.
The plan I'm quoting offers:
$1500 Deductible
$3000 Out of Pocket anual maximum after deductible.
80%/20% (20% of hospital stays and major testing would be your responisibilty up to the $3000 max)
$35 Dr's visits
Tier 1 drugs (generics) $15 copay -
Tier 2 $35 copay
Tier 3 $65 copay (Tier 2-5 requires an annual $200 deductible)
Then there's a whole list of things that are covered, aren't covered, and at what amounts.
This plan would cost $189.03/month $245.94 for a smoker and these prices assume the person has been covered under another plan within the last 60 days. It would be more expensive (not a lot) if there was no previous health coverage.
Hope this helps.