Greenguy's Board - View Single Post - Fulltimers: so what do YOU do for a dental plan?

CaptainJSparrow · 2004-07-09, 11:06 AM

For dental, I just pay for myself and my 2 kids whenever we go...which is usually twice a year. We have pretty good teeth so it's not a big deal.

For medical insurance, I've used Blue Cross since 1996 when I started this company. Blue Cross does go up on my rates every year. Last year, it was right at $450 per month for me (I'm a 41 year old male) and two children. This year they were gonna go up to over $500 per month...and they offered me an alternative plan where I "self insure" with a higher deductible and only pay $294 per month. I calculated the best and worst case scenarios on both Blue Cross plans and determined that the $294/mo plan was the best either way, so I switched us to that.

As others have pointed out though, for an individual policy such as mine, they go up on the rates every year. I'd imagine that when I'm in my 50's and 60's that rate is going to be exorbitant!

I would be interested in a webmasters' group plan.

Hey Greenguy and Jim, how about a plan through your board as a "Chamber of Internet Marketers?"

A good friend of mine had his appendix blow up and no insurance. He racked up many hundreds of thousands of dollars in medical bills for a month or so long stay in the hospital. I think it is well worth it to have health insurance, especially if you have children.

2004-07-09, 11:06 AM	#37
CaptainJSparrow You can now put whatever you want in this space :) Join Date: Sep 2003 Location: Louisiana Posts: 511	For dental, I just pay for myself and my 2 kids whenever we go...which is usually twice a year. We have pretty good teeth so it's not a big deal. For medical insurance, I've used Blue Cross since 1996 when I started this company. Blue Cross does go up on my rates every year. Last year, it was right at $450 per month for me (I'm a 41 year old male) and two children. This year they were gonna go up to over $500 per month...and they offered me an alternative plan where I "self insure" with a higher deductible and only pay $294 per month. I calculated the best and worst case scenarios on both Blue Cross plans and determined that the $294/mo plan was the best either way, so I switched us to that. As others have pointed out though, for an individual policy such as mine, they go up on the rates every year. I'd imagine that when I'm in my 50's and 60's that rate is going to be exorbitant! I would be interested in a webmasters' group plan. Hey Greenguy and Jim, how about a plan through your board as a "Chamber of Internet Marketers?" A good friend of mine had his appendix blow up and no insurance. He racked up many hundreds of thousands of dollars in medical bills for a month or so long stay in the hospital. I think it is well worth it to have health insurance, especially if you have children.