<Hawki63@sbcglobal.net> wrote in message
news:%Lohk.17043$jI5.16047@flpi148.ffdc.sbc.com...
>
> "george conklin" <nospam@nospam.com> wrote in message
> news:W6-dnRY5grjaTBjVnZ2dnUVZ_jadnZ2d@earthlink.com...
>>
>> "qwerty" <nospam@all.noway.com> wrote in message
>> news:8Ichk.6422$cn7.4536@flpi145.ffdc.sbc.com...
>>>
>>> "Starkiller" <NoSpamSKS_SKanz@hotmail.com> wrote in message
>>> news:neia8413hmb5e8sq906rjbc3n5151u8l3k@4ax.com...
>>>> On Tue, 22 Jul 2008 03:32:23 +0100, "Bill Bonde { ''Mr Gore, tear down
>>>> this wall'')" <tributyltinpaint@yahoo.co.uk> wrote:
>>>>
>>>>> > See http://www.ehealthinsurance.com/ for all the different plans.
>>>
>>>>>> $60 a month?? would buy you NO health coverage at all
>>>>>>
>>>>>> regardless of pre existing conditions etc
>>>>>>
>>>>>> get real
>>>>>>
>>>>>He is being real. $60 a month would buy some insurance. There are
>>>>>(or at least could be) medial savings account plans in that basic
>>>>>area.
>>>>
>>>> $60 a month for me individually would be a nearly 60% of my premium. I
>>>> pay around $27 a week for individual coverage.
>>>> That much of a subsidy would allow most folks that currently can't
>>>> afford it to be able to.
>>>
>>> You did actually go to the cite above didn't you? Just how old are you?
>>> If you're young, in your 20's then health insurance isn't too expensive.
>>> However, if you're middle-aged then insurance is very expensive. For
>>> instance, the cheapest & poorest policy for a 55 year old man would be
>>> $230 a month which has no prescription benefits, 20% co-pay, and pays
>>> for nothing until you've met the minimum of $3500.00 out-of-pocket
>>> expensive. That $60 would provide little help. If you have a
>>> pre-existing condition, even if now cured, it's unlikely that you can
>>> get insurance at ANY price.
>>>
>>
>> Some states have community rating, so you could get insurance. NJ is
>> one. A friend of mine who retired without health insurance moved to NJ so
>> he and his wife could get some coverage. Otherwise, it is totally
from the cited source..."community rating" merely gives you the rates that
an employer would pay...again...age 25 and healthy..your rate would be in
the $136 range...age 55 or so..and your rates are over $500 a month
not a bargain..and $60 wouldn't give you much help
another clue tho..for all ages...is the coverage called "guaranteed
issue"...Calif has it as well...the caveats are...you must sign up about 60
days prior to a group policy ends ..ie if you stop working and had employer
coverage...the good news is...no preexisting limits...can choose and pay for
PPO coverage (which allows you full choice)...yes there is still copays
etc...as I said...mine is $762 a month just for me..
without this guaranteed issue..I would not be insuransable...ie pre
existing..and btw...doesn't take much to be called pre existing either
>> out-of-pocket.
>
>
>
> what do you mean by "community rating??"...just curious
>
> in states such as Mass and Oregon..where health insurance is "mandatory"
> (like car insurance)....it is still the responsibility of the people
> (except for the very poor..and those on Medicare)..to pay the premium...
>
> thus..that is not "universal..ie gov't paid health insurance"...and
> btw....Mass is having a terrible time "enforcing" the mandatory law..ie
> cuz so many middle income earners still cannot afford it...
>
> as for "all employers" giving totally paid coverage...we wish..I don't
> know the stats...but the majority of employers tho they "offer" a group
> plan (which is good)...require the employee to contribute a significant
> portion of the premium (more for PPO than HMO...more if children and wife
> on the plan)
>
> the advantage of employer coverage (I think ) is the lack of pre existing
> conditions clause
>
> my point was $60 a month won't buy you much if any coverage...even for a
> healthy single person
>
>
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<Hawki63@sb…
good@rock.com
