Skip to Content.
Sympa Menu

market-farming - Re: [Market-farming] Health insurance for self employed farmers?

market-farming AT lists.ibiblio.org

Subject: Market Farming

List archive

Chronological Thread  
  • From: "Margaret L Wilson" <booldawgs AT cavenet.com>
  • To: "Market Farming" <market-farming AT lists.ibiblio.org>
  • Subject: Re: [Market-farming] Health insurance for self employed farmers?
  • Date: Tue, 25 Jan 2005 17:19:08 -0800

Paul,  I don't want to make you feel any worse but---- NA for SE is being sued.  I was a member for a while and recently got a bunch of information about it. I have to admit that I put it on the "to read when I have time"shelf and forgot about it.
 
You might want to do a search and see what you can find out about them.  Blue Cross which had better coverage was not much different in cost than they are and I think they are a lot better.  Have you checked with your farm bureau?  Here you can get insurance through one of their affiliates at a rate less than most.  Health insurance is a real nightmare.  You can't afford to pay for and you can't afford to do without.
 
How old are you and are you a good catch?   LOL,  I have a niece that I could introduce you to.  Blonde (natural) cute, 31 and a workaholic too.  But I think she wants to settle down and have some kids so you would have to have 2 jobs.
 
Good luck.
 
Hi,
 
I made a pretty scary discovery this summer.  I have carried health insurance through Golden Rule insurance company for a few years.  It is very basic, high deductable insurance with modest premiums. The agent swore up and down it covered farm type injuries.  But I calleed the company direct this summer and they informed me of a clause that basically says if you get injured in a way that COULD have been covered by workmans comp (even if you aren't carrying that coverage for youself, which is outrageously expensive) they would not cover it!  I was basically uncovered for over a year, which really pissed me off (hell all I did was work on the farm anyways).  This is called a workmans comp exclusion.  I have new insurance issued by the Nat'l  Assn. for self emplyed that does cover work related injuries but it is pretty expensive and came bundeled with some other coverage that I don't need. 
 
So the question:  does anyone know of a low cost, basic (high deductble) type insurance taht does cover farmer work related injuries/illness?  I have a quote from Fortis (now called Assurant), but have not been able to get my hands on language that assures work related coverage.  Any experience with Fortis/Assurant?  Other suggestions?  Any ladies out there with great benefits that would like to marry a work-aholic farmer in exchange for free produce, undying devotion, and a great view of the CT hills?  ;-)
 
Thanks,
 
Paul




Archive powered by MHonArc 2.6.24.

Top of Page