Rumpleforeskin: Do You Have Health Insurance? - Page 3

pornrex · 2005-04-19, 01:48 PM

Quote:

Originally Posted by Jim

I am looking at that Tommy. Not selling but more sharing. The larger the group, the cheaper the insurance is. I talked to my insurance guy and he told me that if I could get just 10 people, we would be considered a group.

I'd like to see where this goes too, Jim

cd34 · 2005-04-19, 02:05 PM

Actually, I think you could have a GreenguyandJim affinity group that would be covered by a plan. Similar to many of the organization plans out there, you wouldn't require all people to be in one state. I think the National Chamber of Commerce and a few of the Industry groups do this. The issue here is each state is still maintained as a group, and would require individual pricing -- at least when I checked it about two years ago and I think each state requires 2 people in a group.

Then you have to figure out which plan is right for everyone. With Aetna & BCBS, you can't mix and match PPO & HMO and Catastrophic in the same group. So, since I have 3 employees, and the wife unit wants PPO, everyone gets PPO until I have enough people that I can have two groups. Florida also mandates that an employer pays 50% of the plan coverage for any employee. I don't think affinity groups have that same restriction.

It is a cool concept.

Jim · 2005-04-19, 02:07 PM

Quote:

Originally Posted by SirMoby

Jim, I would be interested but don't you need 10 in 1 state?

Group insuarance can be a little cheaper but the big advantage is that there is no limit on how much an insurance company can raise premiums on individuals. Like if you get cancer they can raise your rates to $1,000,000 a month effectively cancelling you. Most states don't allow them to do that with group plans.

Yep, with NY involved especially. They have some funny laws regarding health insurance.

spacemanspiff · 2005-04-19, 03:40 PM

I've got an individual policy through BCBS. Pretty freaking expensive.

ARS used to offer some kind of health insurance. I never looked into it but I assume it was some kind of group thingy they arranged.

Lunatic · 2005-04-19, 05:59 PM

Group health insurance for webmasters. That would be really cool.

dareutwo · 2005-04-19, 06:32 PM

Group insurance would be nice.
And I like the thought of the GG&Jim policy

Kacy · 2005-04-20, 12:07 AM

Quote:

Originally Posted by Greenguy

I have insurance thru my company, so it that part of Option 1? I ask because it's not in my name, thus it's not an "individual" plan.

Same here

Rocco · 2005-04-20, 04:21 AM

it's a must to have a health insurance here - and also expencive: about 300$/month

Greenguy · 2005-04-20, 08:00 AM

I knew I should have added another option to the poll as soon as I saw it - probably too late now

smitty · 2005-04-20, 08:01 AM

I get free health care from the VA. The closest hospital is an hour and 45 minutes

away. VA care sucks, but it's free.

Sign me up for GreenguyandJims Healthcare Plan

Kath · 2005-04-21, 03:09 PM

I am also insured through hub's insurance from his "day job" - and we recently switched from a Blue Shield HMO to a government-based Blue Cross PPO and I love it. It costs a little bit more (about $500/month for 4 of us) and there is that $500/year co-pay per individual for non-regular type costs (for example: hub's asthma treatments, etc.) but compared to an HMO it's WAYYYYYYY worth it.

For example, my sister gets IEHP (Inland Empire Health Program) from the county out here in California - a free/low-cost kind of medical care program from the state... her coverage is better than the HMO we had before that we were paying $425/month for... I had a knee injury that took 5 weeks for MRI approval... she had a turned ankle and got an MRI the same day....

I think a webmaster insurance program is a great idea - I hope you guys pull it off. I know there are many who could have benefited from this over the years...

Jim · 2005-04-21, 03:28 PM

I have been on the phone for about 2 hours now guys. It looks like a good family plan would cost between $250-$300/month. The problem is the logistics of everything.

Oh yeah, Smitty, I also have free medical through the VA. The last time I went there for my bad knee, they wanted to fuse it so it would not bend. Every Doctor I talked to after that laughed. Including the one that did surgery and fixed it. I would not go to the VA hospital for anything.

MrMaryLou · 2005-04-21, 03:36 PM

Jim, 250 to 300 is about 1/2 to 1/3 of some of the prices I have been quoted thats great

EvilBitch · 2005-04-22, 03:44 AM

I already have a health insurance, my ex husband is paying it for me..lol
What's with the sig jim and greenguy? oh okay, i'm quite busy that i haven't read the latest adult webmaster newsletter..=) do i get punishment for that??? uh oh...

digifan · 2005-04-22, 07:01 AM

I used to have insurance when I had a job but I quit it back in 2002 so atm nothing.

Greenguy · 2005-04-22, 07:24 AM

Quote:

Originally Posted by EvilBitch

...What's with the sig jim and greenguy?...

Just be on the safe side & do whatever our sigs tell you to do

noooze · 2005-04-22, 08:10 AM

say what ????

ohhh.... its becouse u guys live in a country that favors the rich and lets the poor suffer and die

no where i come from its free to go to the hospital, go to university, driving on the road ect
here we even gets paid to go to school. 800 $ a month from the state

my gf just had platic surgery to fix her breats ( not a common boob job ) and guess what ? 0 $

Jim · 2005-04-22, 08:28 AM

Quote:

Originally Posted by noooze

say what ????

ohhh.... its becouse u guys live in a country that favors the rich and lets the poor suffer and die

no where i come from its free to go to the hospital, go to university, driving on the road ect
here we even gets paid to go to school. 800 $ a month from the state

my gf just had platic surgery to fix her breats ( not a common boob job ) and guess what ? 0 $

The rich and poor have good insurance. It's the middle of the road that have to suffer.

JanTM · 2005-04-22, 10:32 AM

Quote:

Originally Posted by noooze

my gf just had platic surgery to fix her breats ( not a common boob job ) and guess what ? 0 $

Lalalalalalaaaaa... not listening

(I take it that since it was free she had them... whats that word... uhm.. reduced... in size?)

NotThatKevin · 2005-04-22, 12:06 PM

Yeah I have HI for my entire family and it costs a bundle.

BruceM · 2005-04-22, 06:23 PM

Yes I do.

EvilBitch · 2005-04-24, 11:08 PM

Quote:

Originally Posted by Greenguy

Just be on the safe side & do whatever our sigs tell you to do

oh okay..

JoeBlack · 2005-04-24, 11:25 PM

Yup I own a really big box of bandaids

xkrainer · 2005-04-25, 04:19 AM

I have some very good insurance

spazlabz · 2005-04-25, 08:30 AM

Quote:

Originally Posted by Jim

The rich and poor have good insurance. It's the middle of the road that have to suffer.

Thats a fact right there Jim. I make to much for the state to pay for everything and make way to little to afford a good insurance policy. But with 2 growing boys and various issues with my own health it is high time that I get me a good policy.

View Poll Results: Do you have health insurance?
Yes, I have an individual plan or through my own Company. If there is a difference.	30	31.25%
Yes, I get it through my other job or my spouses job	26	27.08%
No, but I am looking	27	28.13%
No, and I don't care about it	13	13.54%
Voters: 96. You may not vote on this poll

2005-04-19, 02:05 PM	#52
cd34 a.k.a. Sparky Join Date: Sep 2004 Location: West Palm Beach, FL, USA Posts: 2,396	Actually, I think you could have a GreenguyandJim affinity group that would be covered by a plan. Similar to many of the organization plans out there, you wouldn't require all people to be in one state. I think the National Chamber of Commerce and a few of the Industry groups do this. The issue here is each state is still maintained as a group, and would require individual pricing -- at least when I checked it about two years ago and I think each state requires 2 people in a group. Then you have to figure out which plan is right for everyone. With Aetna & BCBS, you can't mix and match PPO & HMO and Catastrophic in the same group. So, since I have 3 employees, and the wife unit wants PPO, everyone gets PPO until I have enough people that I can have two groups. Florida also mandates that an employer pays 50% of the plan coverage for any employee. I don't think affinity groups have that same restriction. It is a cool concept. __________________ SnapReplay.com a different way to share photos - iPhone & Android

2005-04-19, 03:40 PM	#54
spacemanspiff Where there's a will, I want to be in it. Join Date: Aug 2003 Location: Looz-e-anna Posts: 1,015	I've got an individual policy through BCBS. Pretty freaking expensive. ARS used to offer some kind of health insurance. I never looked into it but I assume it was some kind of group thingy they arranged. __________________ Submit your free sites to Free Sex Pics

2005-04-19, 06:32 PM	#56
dareutwo You can't disprove anything with evidence that doesn't exist Join Date: Mar 2003 Location: NW Minnesota - pop 865 +/- 1 Posts: 2,038	Group insurance would be nice. And I like the thought of the GG&Jim policy __________________ This is me Mark's-Links

2005-04-20, 04:21 AM	#58
Rocco www . * * . com Join Date: May 2004 Posts: 1,546	it's a must to have a health insurance here - and also expencive: about 300$/month __________________ Sex and Porn Submit your FreeSites here

2005-04-19, 05:59 PM	#55
Lunatic Ahhh ... sweet pity. Where would my love life be without it? Join Date: Oct 2003 Location: Phoenix, AZ Posts: 200	Group health insurance for webmasters. That would be really cool.

2005-04-20, 08:00 AM	#59
Greenguy The Original Greenguy (Est'd 1996) & AVN HOF Member - I Crop Pics For Thumbs In My Sleep Join Date: Feb 2003 Location: Blasdell, NY (shithole suburb south of Buffalo) Posts: 41,758	I knew I should have added another option to the poll as soon as I saw it - probably too late now __________________ Promote POV Porn Cash By Building & Submitting Galleries to the Porn Luv Network

2005-04-20, 08:01 AM	#60
smitty Aw, Dad, you've done a lot of great things, but you're a very old man, and old people are useless Join Date: Apr 2003 Location: Missouri Posts: 20	I get free health care from the VA. The closest hospital is an hour and 45 minutes away. VA care sucks, but it's free. Sign me up for GreenguyandJims Healthcare Plan __________________ Hey Google crawl this....

2005-04-21, 03:09 PM	#61
Kath No offence Apu, but when they were handing out religions you must have been out taking a whizz Join Date: Apr 2003 Location: California, USA Posts: 284	I am also insured through hub's insurance from his "day job" - and we recently switched from a Blue Shield HMO to a government-based Blue Cross PPO and I love it. It costs a little bit more (about $500/month for 4 of us) and there is that $500/year co-pay per individual for non-regular type costs (for example: hub's asthma treatments, etc.) but compared to an HMO it's WAYYYYYYY worth it. For example, my sister gets IEHP (Inland Empire Health Program) from the county out here in California - a free/low-cost kind of medical care program from the state... her coverage is better than the HMO we had before that we were paying $425/month for... I had a knee injury that took 5 weeks for MRI approval... she had a turned ankle and got an MRI the same day.... I think a webmaster insurance program is a great idea - I hope you guys pull it off. I know there are many who could have benefited from this over the years... __________________ READ...MY...BLOG! - kBlogger.com KLIXXX - Written by webmasters FOR webmasters!

2005-04-21, 03:28 PM	#62
Jim Banned Join Date: Aug 2003 Location: Mohawk, New York Posts: 19,477	I have been on the phone for about 2 hours now guys. It looks like a good family plan would cost between $250-$300/month. The problem is the logistics of everything. Oh yeah, Smitty, I also have free medical through the VA. The last time I went there for my bad knee, they wanted to fuse it so it would not bend. Every Doctor I talked to after that laughed. Including the one that did surgery and fixed it. I would not go to the VA hospital for anything.

2005-04-21, 03:36 PM	#63
MrMaryLou i fucking told i type to fucking fast wtf Join Date: Mar 2003 Location: New York Posts: 11,247	Jim, 250 to 300 is about 1/2 to 1/3 of some of the prices I have been quoted thats great __________________ <a href="http://www.greenguysboard.com/onthebench/">Join Me For On The Bench </a>

2005-04-22, 03:44 AM	#64
EvilBitch WHO IS FONZY!?! Don't they teach you anything at school? Join Date: Nov 2003 Location: City of Hell Posts: 40	I already have a health insurance, my ex husband is paying it for me..lol What's with the sig jim and greenguy? oh okay, i'm quite busy that i haven't read the latest adult webmaster newsletter..=) do i get punishment for that??? uh oh... __________________ [Gallery Submission

2005-04-22, 07:01 AM	#65
digifan ...and since we know an end will come it makes our living so much fun Join Date: Aug 2003 Location: In your dreams, baby Posts: 3,835	I used to have insurance when I had a job but I quit it back in 2002 so atm nothing. __________________ Webair Rocks

2005-04-22, 08:10 AM	#67
noooze Well you know boys, a nuclear reactor is a lot like women. You just have to read the manual and press the right button Join Date: Aug 2003 Location: aarhus - denmark Posts: 155	say what ???? ohhh.... its becouse u guys live in a country that favors the rich and lets the poor suffer and die no where i come from its free to go to the hospital, go to university, driving on the road ect here we even gets paid to go to school. 800 $ a month from the state my gf just had platic surgery to fix her breats ( not a common boob job ) and guess what ? 0 $ __________________ The godess of fortune have never smiled at me - but she has often had a good laugh

2005-04-22, 12:06 PM	#70
NotThatKevin Well you know boys, a nuclear reactor is a lot like women. You just have to read the manual and press the right button Join Date: Sep 2003 Location: Australia Posts: 155	Yeah I have HI for my entire family and it costs a bundle. __________________ <a href="http://www.pgbucks.com"><img src="http://www.pgbucks.com/images/pgbucks.jpg" width="120" height="60" border="0" align="left"></a><br><br><br> <a href="http://www.pgbucks.com">14 Paysites for One Great Price + FHG </a>

2005-04-22, 06:23 PM	#71
BruceM Aw, Dad, you've done a lot of great things, but you're a very old man, and old people are useless Join Date: Aug 2003 Posts: 22	Yes I do. __________________ Leading Edge Cash WorldNiche MagnaRX Cash

2005-04-24, 11:25 PM	#73
JoeBlack I've always wondered if there was a god. And now I know there is -- and it's me Join Date: Oct 2004 Posts: 327	Yup I own a really big box of bandaids

2005-04-25, 04:19 AM	#74
xkrainer Internet! Is that thing still around? Join Date: Apr 2005 Posts: 1	I have some very good insurance