MASSACHUSETTS MAKES HEALTH INSURANCE MANDATORY/UNIVERSAL FOR THE STATE.
WOW.
Let's all move to Massachusetts. My haelth insurance currenty costs me $543 a month and is about to go down to $485 when I get off cobra and sign up for my company's blue cross blue shield. damn. I don't make a low enough wage to qualify for medicare or any of those plans, but i barely make enough to cover this insurance. self-employed people making around 30-40K with no insurance are screwed in ny. also, i hear freelancer's union is pretty crappy insurance. does anyone else have it and actually use it?
posted by Antlers at 4/05/2006 12:39:00 PM
7 Comments:
I have freelancer's union, and it's a might bit cheaper than my previous insurance ($200 compared to $350 for hip), but the fine print kind of sucks. If I'm ever truly fucked, it's like an 80/20 split: meaning, I have to cover 80 percent of the cost. Here's the hoping my heart valves don't collapse.
what about office visits? are the providers they offer crappy with long waits? hard to get a nice fancy doctor? big copays? big limits on how much care you can get?
Hey Antlered girl,
I have HIP Prime POS which costs about $289 a month from the freelancers union. I get it though this wierd job that I do for 7 hours a week (I deliver advance copies of Newsweek and The New Yorker to bigwigs in publishing). The rest of the time I do 1099 work. The HIP is pretty good insurance and there are a lot of doctors in network. I picked the more expensive one because the deductable is lower and it covers a lot of the cost of out of network doctors when you leave the New York area. My in network doctors visits are $10 and my emergency room copay (I ride a bike in NYC as well) is $100. Good luck!
what about healthy NY.....??
healthy ny is for ppl making under 20K as i understand it.
thanks frank.
but what about the quality of service? do you have to wait a long time for appt.s? how much are your prescription drugs? do you use their dental plan? what's the vision plan like?
im using one of the nationwide plans and i pay about $65/mo. i get all the drugs i want (not that i care b/c i wont use em), i pay $25/$50 on doc or hospital visits and my deductible is mad low. check out insurancerock.com and call their agents, very helpful, very prompt.
love jordan
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