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  • From: Michael Czeiszperger <michael AT czeiszperger.org>
  • To: raustin3 AT nc.rr.com, "Internetworkers: http://www.ibiblio.org/internetworkers/" <internetworkers AT lists.ibiblio.org>
  • Cc:
  • Subject: Re: [internetworkers] Health Insurance
  • Date: Thu, 24 Feb 2005 10:44:48 -0500


On Feb 24, 2005, at 10:30 AM, Roger Austin wrote:
I was shocked to see list members saying they only pay $100-200
per month for BCBS coverage. Perhaps it is because they were very
young and very healthy. My contemporaries are paying 2-3 times
that amount for BCBS. The difference is probably age, but it
could possibly be that they wanted more coverage than a young
person would need.

I'm playing $174/month for individual coverage under BlueAdvantage at age 41.

I just talked to an insurance agent yesterday about a group plan for my small business, and they recommended against it. With a true "group plan" your rates are determined by, among another things, the costs in your group, which means in a group of 5 people if someone gets seriously ill your rates could skyrocket. The BlueAdvantage plan, on the other hand, is really a group of 250,000, so your rates are much less likely to be affected by the health of an individual.


___________________________________________________________________
michael at czeiszperger dot org
Chapel Hill, NC USA





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