Health Insurance?

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Hits

New Member
OK, I was laid off from a job as a internet sales manager for a local Saturn Dealer that closed last August. Since then I have had no health insurance for my wife and I.

I have good health for a 55 year old, just a little blood pressure medicine. But I'm worried that an accident or illness would wipe us out.

I have tried to find another job that has benefits. I thought I had a sales job for a outdoor advertising company, I came in #2 in a field of five candidates after 3 interviews etc.

So, I'm throwing in the towel for awhile since the DJ season is soon to be full steam and the income is going to be there. We have booked out very well this year.

Question, Is there any suggestions for health insurance that any of you full timers are aware of that won't break the bank? Anything through any associtions?

Joe
 

djhbk

Moderator
Staff member
I have my personal health Insurance though my membership in the American Disc Jockey Association and I'm impressed by the friendliness and attentiveness of the agents as well as their competitive pricing coupled with aggressive policies. Definitely worth looking into.
 

DJSTEVEZ

DJ Emeritus
As a healthcare professional, I can tell you without fear of correction that living without health insurance is worse than financial Russian roulette. Your fears of being wiped out are very well founded, especially at your age.

My best advice is to call Drax & explore the ADJA deal. If for whatever reason that doesn't work out, at the very least purchase a catastrophic healthcare policy which is exactly what it sound like. Good luck! -Z-
 

Tim English

Active Member
I'm NOT being political, but because of Obamacare, my wife (a veteran elementary school teacher) could no longer afford her health care. Obamacare dictates many things that, in an insurance business model, should be variables. Such as levels of coverage, copay amounts and whom and what to cover. But the immediate impact is from the requirement for her employer to provide health care for her coworker's 26 year old "children." Our portion of the monthly premium tripled to almost $1000. So for now, it's actually cheaper to get health care separate from her employer, since the Obamacare individual mandate has not kicked in (yet).

We found web sites like https://www.ehealthinsurance.com to be very helpful. Get an idea of the different plans offered by multiple companies like Kaiser, Blue Shield and Anthem. Once you get an idea of what company you might want to pick, go to that company's direct web site and get a quote there too. You can play with the variables to get the monthly payment you can afford. For example, if you seldom go to the doctor, you may choose a lower monthly, with a higher copay. There are other PPO plans that have a very low monthly payment, and free routine doctor visits, but they have a high annual deductible for treatment, no maternity coverage and no substance abuse coverage. For the deductible, you would pay the first $2500 of any treatment, then the rest is covered for the rest of the year. A PPO of this type might be a great fit for a couple in their 50's who are disciplined enough to keep $2500 around just in case. That is your choice to make (for now). Learn as much as you can from the web sites and become as savvy as possible BEFORE you pick up the phone. Most of these people are very helpful, but also remember that they are sales people. To start, educate yourself about the difference between HMO, PPO and an Indemnity plan, and the specific meanings of common terms like copay, coinsurance, deductible, lifetime maximum, annual out-of-pocket limit. Speak their language before you call them.

Again, not being political, just stating the facts I learned from personal experience. I'm sure if you have 26 year old children who need health care, you are thrilled with Obamacare. But "free" stuff is paid for by someone, and I can't believe that no one in the government understands that you can't dictate the variables AND the outcome of a mathematical equation.
 
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DJ Dave

New Member
I would like to know just what "affordable" is.... I pay $1400/month for horrible HMO health insurance with $500 deductible and $35 copay's per office visit plus all the other out of pocket expenses. My employer will NOT let me drop it until I have proof of other coverage. Insurance companies are way out of control. I don't consider what I pay affordable for insurance.

Deductibles, copay's and other out of pocket fees deter me from doctor visits. I think that is what insurance companies want so they don't have to pay. Even though they pay what they want anyway.

If there was a better insurance out there I would be on it in a heart beat. Even if I have to join ADJA to get it.
 

DJSTEVEZ

DJ Emeritus
I'm NOT being political, but because of Obamacare, my wife (a veteran elementary school teacher) could no longer afford her health care. Obamacare dictates many things that, in an insurance business model, should be variables. Such as levels of coverage, copay amounts and whom and what to cover. But the immediate impact is from the requirement for her employer to provide health care for her coworker's 26 year old "children." Our portion of the monthly premium tripled to almost $1000. So for now, it's actually cheaper to get health care separate from her employer, since the Obamacare individual mandate has not kicked in (yet).
You are in deed correct Tim, you are not being political, or racial, or anything other than a reporter of mathematical fact. My healthcare cost has gone up 52% per annum since Obama took office...And there was no reach around either :((. I'll leave it at that. Thanx for the resource you shared! -Z-
 

Hits

New Member
Thanks everyone! I'm going to take a good look at ADJA, I've been a N.A.M.E member but don't know if they have the health insurance opportunity or not? My fault for not knowing I guess.

I know what you mean Tim with regards to the affordability of even some group health plans, my last coverage through the former employer was reasonable for me, but to add the wife was outrageous. They must figure most couples work and have their own individual group health coverage.
 

DJ Dr. Drax

Active Member
Dave,

The program is a PPO program, it is less than what you have stated. There isn't a flat rate, it depends on a number of criteria. The copays are reasonable, the deductibles are reasonable & coverage is excellent.

It is a great program.
 

DJ Dave

New Member
Thank You Drax! I will definitely check into it.

BTW, is there something wrong with the ADJA website? I have tried it at two separate locations and both the same thing; The server at www.adja.org is taking too long to respond.
 
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Hits

New Member
I talked to Drax on the phone, he mentioned that someone in ther area of the adja offices severed a huge fiber optic cable and they are having problems.
 

chubbyb

New Member
Aflac offers individual as well as husband/wife and family coverage - it's not Major Medical- but it offers a layer of security to prevent you from being wiped out- they have cancer/accident/hospital/catastrophic coverages- affordable as well
 

BBBuffalo

Active Member
Check to see if Blue Cross Blue Shield has the Tonik plan available in your area.

Make sure any plan you get is a real insurance plan. You may have seen signs on telephone poles about health coverage for a cheap price for self employed people. Some of these type plans are NOT insurance. Check with your local insurance commissioner to be sure.

Also depending on your state you might want to look to http://www.nase.org/NASE/requestinfo.aspx
 

SteveBeck

New Member
Thanks everyone! I'm going to take a good look at ADJA, I've been a N.A.M.E member but don't know if they have the health insurance opportunity or not? My fault for not knowing I guess.

I know what you mean Tim with regards to the affordability of even some group health plans, my last coverage through the former employer was reasonable for me, but to add the wife was outrageous. They must figure most couples work and have their own individual group health coverage.
Joe, since you're going to check out the ADJA, I'd like to invite you to attend one of the Chicagoland chapter's meetings. We meet monthly in Downers Grove, not a bad drive from Rockford. If you'd like more info, PM me or check out our website at www.chicago.adja.org

If you'd like, I can have you added to our mailing list as well. Let me know.

While national membership certainly has its benefits, including health insurance, I believe membership in a local chapter enchances the experience.
 

Hits

New Member
Joe, since you're going to check out the ADJA, I'd like to invite you to attend one of the Chicagoland chapter's meetings. We meet monthly in Downers Grove, not a bad drive from Rockford. If you'd like more info, PM me or check out our website at www.chicago.adja.org

If you'd like, I can have you added to our mailing list as well. Let me know.

While national membership certainly has its benefits, including health insurance, I believe membership in a local chapter enchances the experience.

Hi Steve, sounds like a great idea. I grew up in the Aurora area, I know Downers Grove quite well.
 

Hutt

Pro Dj groupie since 1996
I talked to Drax on the phone, he mentioned that someone in ther area of the adja offices severed a huge fiber optic cable and they are having problems.
and the ADJA didn't have backup?? :p
 

NickyB

Gear and Equipment Moderator
I had to get my own coverage from Jan 2008 until July 2010 after I retired and that was indeed "EXPENSIVE". To provide the same 80-20 health coverage I had while working, with dental, life and prescription coverages for us both, cost was $906/mo. After July 2010 now that we're both under Medicare, it's less than half for the same coverages across the board.
 
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