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  1. J

    Group health coverage for ER's?

    Yup.......... I understand that... and since I am not Canadian citizen ... well I guess it's not even a "fall back" option :P Thanks, Jim
  2. J

    Group health coverage for ER's?

    Hey SWR.... I've been off for a while.......... A question if you don't mind... Are you a Canadian citizen? Is that why you can get Health care in Canada so cheap? I think I could EASILY stand 6mo/yr in Canada as long as it did not include Jan/Feb/March ;-) Jim
  3. J

    Group health coverage for ER's?

    "Go to school and get student insurance" I've seriously looked at going back to college when I send the kids ;-) Alas many of the college programs have caps.... Jim
  4. J

    Group health coverage for ER's?

    I beleive that products like Medi-share are available in all 50 states. They are very careful to NOT define themselves are health insurance so that they can escape being regulated by the "authorities". They are not a solution for everyone but for some..... On the "why doesn't someone offer...
  5. J

    Group health coverage for ER's?

    Yup, I agree 110% It will get fixed when the people with the power to fix the problem feel & share enough of the pain caused by the problem to make it one of their top priorities. I'm hopeful that is coming soon ::) Jim
  6. J

    Group health coverage for ER's?

    PS: On a somewhat lighter note, there is an old comedy movie "Head Office" in which Judge Rinehold stars. He works for a major corp. that decides to close down a US mfg. plant and move it overseas causing the losss of many US jobs. Judge's character gets interviewed and is SUPPOSED to tell a...
  7. J

    Group health coverage for ER's?

    I did not mean to imply it was a good or socially responsible system. It is indeed a crappy system. I was only trying to describe it, as it stands, the perspective of the INSURER. In our current system, insurer means "the company that is trying to make a (hopefully fair) profit from each and...
  8. J

    Group health coverage for ER's?

    Martha: "Yeah, what you said!" :-\ Individual policies being what they are currently - offered by for-profit private companies that have to try and on average make a bit of a profit from each customer simply can not write policies that fit the needs (and pocketbooks) of many individuals. Its a...
  9. J

    Group health coverage for ER's?

    I'm not looking to start a fight ;D Let me observe that I think there are two very different situations here ... Situation #1) Good example is a motorcycle accident - A friend of mine at work just went throught that and the bills will be in excess of $700,000. This is a "one time" event and...
  10. J

    Group health coverage for ER's?

    I agree! But sometimes there are some "annomalies" (sp?) e.g. I got a quote from BCBS for regular (not-HSA) coverage a while back and to difference in annual premiums between the same policy with $500 ded. and $2500 ded. was about $2200/yr. so clearly worth going with the higher deductable. Jim
  11. J

    Group health coverage for ER's?

    Geezz.. I'd take the $5K deductable at those prices... That's only one less dinner out a month cover the difference, or one good sale on eBay to pay the difference :P what's the delta between $2.5K and $5K? Jim
  12. J

    Group health coverage for ER's?

    Thanks Roger! "fine print" ... yeah I may have to go ahead and pull the trigger on ER so I'll have time to READ all the fine print :P Found one article here from consumers report that is "less than complimentary" on some aspects of HSAs...
  13. J

    Group health coverage for ER's?

    Thanks BUM! ;D When I leave my "real" job I'll have COBRA so I will have some quiet time to think thru the details and not have to jump into anything, I just want to make sure that I do "look BEFORE I leap" ;-) Jim
  14. J

    How many are simply lucky?

    As someone once said: No amount of planning will ever replace dumb luck :D Or if you prefer: Luck: what happens when opportunity meets planning Jim
  15. J

    Group health coverage for ER's?

    Hi Martha! thanks for the speedy reply. I live in North Carolina, and from reading past appends saw reference to the www.healthinsuranceinfo.net site. I have just printed out the document there that applies to NC for some "light weekend reading" ;D Thanks in advance for any other...
  16. J

    Group health coverage for ER's?

    Greetings CB: Do you know how this turned out? A method for securing health insurance for my family is the late remaining roadblock for my ER plans :-\ Thanks, Jim
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