Tuesday, June 2, 2009

Insurance Woes

Insurance is a huge stress in my life. We have to get our own because my work doesn't offer it. To put it simply, we can't afford it anymore with the rates going up and we have to find something different.
Do any of you love your insurance company and feel like you get a good deal out of them? (Or hate a certain company and highly suggest we stay away from them?) Have any of you used Aflac? BYU Insurance? BYU's maternity coverage? Any comments or suggestions would be greatly appreciated. Thanks y'all.

15 comments:

Jessie said...

I wish I had good advice for you. We've been doing the SelectHealth thing since we got married (though it was IHC that long ago... :)). For the most part it's been fine, but it doesn't cover very much, at least until you pay enough to cover that initial deductible. The only downside with them, for me, has been their 50.00 annual monthly raise... as in our rate has gone up 50.00 every year since we had our first child. Really frustrating, but we don't dare not have insurance, so we've kept paying it. I'm about to file with them for the new year, though (ours starts and ends in July), and I plan on asking if there is ANY way they can lower our rates. We're not costing them that much.

As far as maternity goes, though, depending on how much you make--Medicaid was super good to us for our two girls, and I'm not really ashamed to say it. We're definitely going to end up paying it all back in the next few years anyway, so I don't mind having used it. I just figure that WE were the kind of people that system was built for--students who work hard, but just can't quite make it. We weren't just sitting around doing nothing--we were working, going to school, and trying to have a family. And that's what I think it's about--the gov't should be helping good people, if they can afford it.

Good luck... this is one of my least favorite topics.

DaNae said...

I feel your insurance pain! We are paying for COBRA and it is like $1800/month. BYU maternity is SUPER spendy. It is almost cheaper to just pay for the delivery yourself. We rocked medicaid too and it was rad not to have to pay for a thing! So my suggestion, get pregnant, quit your job, and get medicaid....just an idea. But insurance is super stressful.

Andrea J said...

I am a big fan of aflac, we certainly made money on that investment. I'm also a big fan of working right up until you have a baby (waiting at home for a baby to come might be one of the steps in Dante's inferno). Select Health maternity is tricky; if you don't plan on having your baby in the same calendar year as getting pregnant you can end up paying the $5000 deductible twice (like we did). You could always look into mid-wives and alternatives to traditional births. A lot of those options are cheaper.

The Ivie's said...

Gotta say that we don't like our primary insurance, we pay a lot each month for not a lot back from them. But, like you heard before, Medicaid is GREAT! We have had it since I was pregnant with Jessica. The kids are even still covered by it. Which is nice with all of Bethany's medical stuff. I don't know how it is in Utah but here they even have something where we pay a premium every month and Peter and I are covered. It is nice. We don't feel too bad using it either because we serve a lot in the community to pay it back.

We opted to not do a maternity coverage (with our primary) because most say you have to have it for a year before it will cover anything and you end up paying more in the end than you would have with out it. That is what I hear though. I do know that it is true about having to have it for more than a year. Kind of sucks if you ask me.

Good luck!

seanandnataliekowallis said...

All I can say is I should have jumped on the Aflac train before getting pregnant. They basically pay you to have a baby. We have Blue Cross Blue Shield, and they are great. They cover most everything with little cost to us. I know they are easy to get a policy through too...

Julie said...

I also wish we would have jumped on the Afflac wagon, it is a great deal, but I think more as supplemental. I agree with that post about Medicaid--students are what that was made for.

jkmoss3 said...

as far as maternity goes, medicaid is the only way to go.




SERIOUSLY!!!

TheNuttalls said...

So is that your big way of announcing the good news??? I don't have any help with insurance because we have just always gone with what our jobs offer. but congrats. hope all goes well!

Scott and Courtney said...

I'm confused?!?! Are you pregnant? Or just planning ahead?

Christiansen's said...

I am wondering the same thing as Courtney, but I am thinking that you aren't yet because no private insurance will pick you up if you are prego. We have private insurance as well and they just raised our montly rate from 370 to 420 a few months ago, but best of all about 2 months before having Jaden they kindly raised my maternity deductible from 5000 to 6500 dollars, bless their little hearts :). We also did Aflec with Jaden so it helped pay towards it but the one bad thing is is having to pay the monthly rates of that on top of your normal insurance. Good luck!

Mandy Torgrimson said...

I don't have any advice on the insurance thing....but thanks for the comment on my quilt!!! It's going to be the fuzzy kind...no fancy work for me. I'm all about easy. As for camping....when would be a good weekend for you guys? We don't have a ton of summer plans yet, just a family reunion around the 18th of July and a backpacking trip with Tara and Phil the following week.

Jenn and Chris Rasmussen said...

My only thing with medicaid is that your monthly income has to be 1600 or less or you make to much to be covered. I just had our little boy less than 3 weeks and we have select med plus, we pay 10% of the bill and there is a deductible of either $4000 for family or$2000 for child and $2000 for mom. After that for the rest of the year we don't pay anything. I was happy with IHC Medical Hospital on 5300. It was like a 5 star hotel, while we labor and delivery. I had great nurses, security was nice and secure and the food was good too. Any school insurance is costly.

Good luck.

Aloha_Misty said...

Oh insurance woes...that is tough! We have done it all...group insurance, cobra, personal insurance and with Jacob Medicaid...and now nothing...the one thing I have found out is that it will all work out. I have stressed and freaked out about insurance while Greg and I have been in school and the one thing I have to say is the Lord will help you find a way to pay! I believe he has blessed us with an answer every time I have had a baby. Something will work out! If you have any specific questions email me or call! I would love to talk to you.

Angie said...

All I can say is, when the Lord tells you it's time to have kids, even if you don't have insurance: DO IT, PRAY A LOT, and PAY YOUR TITHING. Some how things will somehow work out.

Although it can be pretty scary:)

Our family said...

The insurance at my work changed when I was in the middle of my first trimester. It went from a great plan that covers everything to being one of the high deductible HSAs. You have about $60 deducted each paycheck and then have to pay for everything out of pocket until you meet a high deductible of --yes, it's true-- $3,000. The company then begins to pay a (small) portion of your bills until you hit the $5K mark and then they pay for everything. I about had a heart attack and we considered just covering me to lower the cost (those figures are for the couple/family rate, rather than individual). In the end we prayed about it and covered our family... everything worked out fine, which has been a testimony builder/strengthener to us.

I guess this is mostly an "Amen" to the last few comments... Have faith, pray, and then go. ;D