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Title: What are people doing about the cost of medical insurance?
Source: [None]
URL Source: [None]
Published: Mar 11, 2007
Author: me
Post Date: 2007-03-11 10:26:59 by Jethro Tull
Keywords: None
Views: 4610
Comments: 72

My daughter and son-in-law are contemplating a move and a change in life style. They're in NJ and the corporate rat race is insane. Together they make good money, more than $120k, but they still find the cost of living here ridiculous. Their plan is to downsize and change careers. With a 2-year old son, their major concern is medical insurance. I can’t believe the quotes for private medical insurance they’re received.

Two questions: 1) does anyone know a decent plan that isn’t a budget buster, and 2) what is the answer to this insanity?

Thanks in advance for any suggestions.

Post Comment   Private Reply   Ignore Thread  

Begin Trace Mode for Comment # 61.

#49. To: All (#0)

Thanks for the feed back, guys. It seems lots of people are in the same boat, unfortunately. I've forwarded my daughter some info received here that will be helpful. Thanks again.

Jethro Tull  posted on  2007-03-11   18:52:39 ET  Reply   Untrace   Trace   Private Reply  

Consumers Reports evaluated different health insurance companies in their October 2001 issue - available at all public libraries - though 5 years old, the info about their top recommendations and why the companies were chosen as the top in HMO's ( for example) might still be applicable today.

Consumers Reports have also done some shorter more up-to-date articles regarding health insurance - for example -

http://www.consumerreports.org/cro/cu-press- room/pressroom/eng0509hlh.htm? resultPageIndex=1&resultIndex=7&searchTerm=health%20insurance

"CONSUMER REPORTS® RATES HEALTH INSURANCE PLANS BASED ON HUGE READER SURVEY"

CR Ratings and Recommendations:

For HMOs, Kaiser Permanente, Northwest (OR,WA), and Capital District Physicians Health Plan (NY) topped our charts in this report as well as in 2003 and received consistently high marks for billing and customer service.

For PPOs, Blue Cross Blue Shield plans dominate the top 10 as they did in 2003. Most of these plans had very good scores for choice of doctors.

For more detail:

http://www.consumerreports.org/cro/health-fitness/health-care/hmos-vs- ppos- 905/ratings/hmos/index.htm

scrapper2  posted on  2007-03-11   19:29:26 ET  Reply   Untrace   Trace   Private Reply  

Thanks scrapper. I'm nearly 100% certain any presidential candidate who dangles "Hillary Care" in front of the public in '08 will have a winning issue.

Jethro Tull  posted on  2007-03-11   19:41:40 ET  Reply   Untrace   Trace   Private Reply  

m nearly 100% certain any presidential candidate who dangles "Hillary Care" in front of the public in '08 will have a winning issue.

No kidding.

Might suggest they look into Medical Savings accounts w/ a high deductable. Allow you to put up to 5250 $ into a nontaxed account to be used for medical issues. So you can reduce your taxable income by either the deductable amount up $5250, put that cash into an Medical Savings Account, whose income is NOT taxable.

When you have a medical issue, you can withdraw that $$ for payment totally untaxed. The provisions for a medical issue are fairly liberal, eyeglasses, travel to recieve special treatment etc, but not cosmetic or choice treatments.

If you are healthy for a few years, the $$$ in the MSA can easily overtake the high deductable of the policy.

Also, by being in an insurance system you buy medical treatments wholesale rather than retail, as noted somewhere above.

Prolly the best bet in the current enviroment.

tom007  posted on  2007-03-11   19:55:27 ET  Reply   Untrace   Trace   Private Reply  

Very cool information. I'm amazed at the overall information our members have regarding this, and other issues. Very, very impressive, not to mention helpful.

Jethro Tull  posted on  2007-03-11   19:59:51 ET  Reply   Untrace   Trace   Private Reply  

I'm amazed at the overall information our members have regarding this,

Me too...

Amazed that if someone survives "terminal cancer" for 29 years by rejecting "doctors' treatments" and treating it via Holistically and naturally - that others would even still consider doctors and their "treatments" over recommendations by the survivor. Follow the money trail. Who benefits??? How many "long term" cancer survivors do YOU know?????

When it comes to "Big Brother", this forum is ALL (except BAC) are in agreement that it's a hoax.

When it comes to "medicine" they don't see a hoax... Well, they may CLAIM to, BUT - lets see a raise of hands. WHO'S NOT BEEN TO THE DOCTOR IN THE LAST 5 YEARS??????

My guess is that about 2 hands raised.

Perplexing. But I'm sure BAC and his ilk are in approval.

innieway  posted on  2007-03-13   0:28:47 ET  Reply   Untrace   Trace   Private Reply  

#62. To: innieway (#61) (Edited)

I'm happy (honestly) for you if your faith acts as your illness shield, but I don't buy a word written in the good book. My first name is Thomas so perhaps that explains the doubt I have regarding scripture. When god (I'll take anyone's version) sends a sign that is unmistakable, He'll get my attention. Until then it doesn't make a lick of sense that He has apparently gone fishing while the decent folks on His creation suffer the acts of madmen and fools.

Jethro Tull  posted on  2007-03-13 09:35:45 ET  Reply   Untrace   Trace   Private Reply  

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