I received this great question this week:
I was wondering how you deal with health insurance being self employed and all. I finish with grad school soon, and I am a little stressed about going out into the work force and finding coverage. I thought you might have some good insight.
Initially I did enormous amounts of research and tried to think of any groups that I belong to. Organizations often do group coverage for its members. Ironically, I found these to be far more expensive then if I went on my own. Next, I discovered that if I didn’t see a doctor for an entire year that I could possibly get regular insurance rather than high risk. This plan worked but it was a lot of work and frightening and dangerous if anything had happened to me during that time. I then had to get letters from all my doctors stating that i had not seen them in over a year and that they did not feel that I was having any symptoms. All of this was entirely true – I had no RA symptoms and pancreatitis was in remission. My documents had only said acute pancreatitis, so it was possible that I’d never have an issue again.
Then I signed up and bought insurance through a health insurance agency. They get paid by the insurance company rather than by me. I love my agency and have recommended them to many people. They helped me get a good plan for me. My insurance sucks though. Truly – and it would be much better if I had insurance through Jax’s company – but we’re not married and Jax does not want to get married for business or financial reasons.. Grrr… So my premium has gone up dramatically these past two years AND enbrel costs me $218 per two weeks (twice a week). Is that totally insane! Yes! What do other people pay after insurance?
So the answer for me to this question is this: I freak out, worry and then try to negotiate with every doctor/hospital bill to go on a payment plan.
If anyone else has a much better health insurance approach I would love to hear about it since I’ve had a tough time finding decent non-advertisement type info on the web about this.