Health Insurence question....

Discussion in '2004 Archive' started by C.R. Gordon, May 5, 2004.

  1. C.R. Gordon

    C.R. Gordon
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    There has got to be a way to make Insurance CHEAPER!!

    My insurance is going up 9%.
    Where can someone get inexpensive health insurence for a family?

    thanks for your help!!
     
  2. blackbird

    blackbird
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    C R -- I'm in the Southern Baptist's Annuity Board health insurance---underwritten by Blue Cross---I pay almost $950.00 month for myself, wife and two children---in January of 2004 It went up 9%---it will go up again in May when I turn 45

    Are you with the AB??
     
  3. C.R. Gordon

    C.R. Gordon
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    NO... i'm not with AB you pay $950.00 you're getting beat on man!
    I pay almost $300.00 a month...what is your deduct?

    I'm not a full time minister as of yet...I work for a corp. so I have benifits...but i'm looking at soon becoming a full time youth and music pastor...so I may be paying that before to long.

    Do you have any suggestions as to how I might be able to keep my insurence costs low?
     
  4. LauraB

    LauraB
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    HA! I don't know where you can find cheaper Insurance but I can sure tell you to NEVER EVER move to NJ! ALL insurance companies are either leaving or have left. Health Insurance is outragious here. We pay in teh neighborhood of $700 a month and we have high co-pays in Rx. Car insurance..HA, we just got cancelled because of a minor accident, and we have yet to get a comapny who will pick us up because we have GOOD driving records. So if we don't find a a company who will take us then by the end of May we will have no insurance. If you find cheaper insurance let me know. Looks like I will have to get insured out of state.
     
  5. gb93433

    gb93433
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    When I was a pastor in the SBC I started out bivocational. But when I pastored another church I was able to pastor full time. So I wanted to get on with the insurance company that insures the SBC pastors. They would notinsure me because it had ben less than five years since I had been in the hospital. So my wife went5 to work in a medical clinic.

    After that pastorate and not ebing able to get insurance through the SBC we decided to move to California and I was able to get insurance through a man I have known for years. The cost of the insurance was about 40 percent less than what I would have had to pay through ther SBC had I been able to get insurance.

    But now my wife is working again so we don't need that insurance. My car insurance is much cheaper than when I lived in Texas and Arizona. It is about one third less.
     
  6. gb93433

    gb93433
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    I never paid 300.00 per month when I worked for a private company. That is high for an employee of a company.

    We pay nothing for insurance now because my wife works at a hospital.

    When you join the SBC you can expect to pay about double what you are now and the cost will only increase as you get older. Clergy are getting older as a whole too.
     
  7. Dr. Bob

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    The Christian Brotherhood and the Good Samaritan are programs where Christians help Christians meet basic hospital bills.

    $200-250 ish for a couple, per month. I have been with Brotherhood since 1989 and they have always come through.
     
  8. C.R. Gordon

    C.R. Gordon
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    they said (the church) is going to put me on something like this...so my question was answered

    thanks Bob...how is Wyoming? I'm moving to Montana!
     
  9. Hardsheller

    Hardsheller
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    they said (the church) is going to put me on something like this...so my question was answered

    thanks Bob...how is Wyoming? I'm moving to Montana!
    </font>[/QUOTE]Where in Montana? I spent almost 8 years there from 1992-2000.
     
  10. Dr. Bob

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    Montana is the slum district of Wyoming - too many people (about twice of Wyoming) and lots of problems with gambling, etc on the reservation.

    But truly it is "Big Sky" country, where they don't clutter up the scenery with people or trees.

    Wide open spaces and wide open mentality - not put in a box (liberal or conservative).
     
  11. Dan Todd

    Dan Todd
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    I've had good insurance from my job at the New York State Department of Transportation. But even governments are wrestling with the high cost of insurance.

    In our current negotiations for a new contract - the state negotiators are demanding that the union settle on the health insurance issues - before anything else is negotiated!

    We've been working without a contract now for over one year!
     
  12. Major B

    Major B
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    Well, all I can say is that the current crisis validates my decision in 1974 to re-enlist in the USAF, and our decision to retire to small town middle America.

    Our benefits have been lowered, our promised "free" medical care now comes with a modest premium ($460 A YEAR) and our co-pays have been raised from the (promised) zero to $12 a visit, but that is not bad. In some states and locales however, Tricare and Medicare are often not accepted.

    The real culprit is not the insurance companies. They use the law of large numbers and very complex actuarial tables to work out the charges and still make a profit. The problem is medical malpractice lawsuits. If there was a law capping jury awards to $750,000 and limiting the amount an attorney can take from a settlement, that would fix a lot of what is wrong (defensive medicine, malpractice insurance rates, etc.). How then would we punish incompetent medical personnel?

    1. State review boards not controlled by the AMA.

    2. True legislative oversight.

    3. Criminal prosecution and permanent removal of licenses.
     

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