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  1. #1
    Plainsman
    Join Date
    Jun 2011
    Location
    colorado springs
    Posts
    3,438

    Default health insurance

    I need to get private health insurance for the family as i just switched jobs and i wont have the job insurance option for a while ive never had to get health insurance on my own its always been through work...
    what is a good company?
    what should i expect to pay im 30 non smoker but im a little fat 6'2 250 my wife is 23 non smoker perfect shape and we have a one year old daughter(also a non smoker )

    noone has any major health issues thank god but i just like to be safe

  2. #2
    Guest
    Join Date
    Apr 2009
    Location
    Woodland Park
    Posts
    497

    Default A good place to start

    http://www.healthquotes.com/


    http://www.coloradohealthinsurancebrokers.com/

    Try these to sites. Good for generating multiple quotes from many companies. I know agents that use these sites. I've had BlueCross/Shield and now have Assurant. Good luck.

  3. #3
    Machine Gunner
    Join Date
    Aug 2005
    Location
    Longmont, CO
    Posts
    2,144

    Default

    the only thing that's slightly affordable is a catastrophic care (high deductible)
    try Cover Colorado
    it's the "last choice" for Colorado (if everyone rejects you) but it turns out to be way cheaper than everyone else. (80/20, $2000 deductible) and i've had no issues in 4 years.
    and it's month to month.

    or other high deductible or like a Kaiser.
    the male isn't the expensive part, it's the female and the kids.
    Brian H
    Longmont CO

    "I am free, no matter what rules surround me. If I find them tolerable, I tolerate them; if I find them too obnoxious, I break them. I am free because I know that I alone am morally responsible for everything I do."

  4. #4
    Gong Shooter enthusiast's Avatar
    Join Date
    May 2010
    Location
    Littleton
    Posts
    400

    Default

    You can get Cobra through your previous employer for up to 18 months.

    When I was a private consultant with my own company I used Anthem/Blue Cross Blue Shield as well as United Health care.

  5. #5
    Retired Admin
    Join Date
    Jul 2009
    Location
    Aurora
    Posts
    12,932

    Default

    All I have to suggest is if you can swing it get CIGNA, by far the best provider I have ever had. Both arms broke, ER visit, 7 Dr's visits with x-rays and 14+ PT visits and so far my grand total is $500 plus co-pays ($50 per PT visit).

  6. #6
    QUITTER Irving's Avatar
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    Nov 2008
    Location
    Denver, CO
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    46,527
    Blog Entries
    1

    Default

    Call your insurance agent.
    "There are no finger prints under water."

  7. #7
    Industry Partner BPTactical's Avatar
    Join Date
    Dec 2009
    Location
    North Metro
    Posts
    13,931

    Default

    Your down in the Springs- try Dave Boucher @ www.inhisstepsinsurance
    He is helping me through a bit of a insurance hassle now thanks to OblowmeCare.
    I have had the same health care for 20 years (Kaiser) through my employer with the same dependents listed the entire time-wife and 2 kids.
    During our open enrollment period this year we were to provide "Eligibility of Dependants" documentation. Now keep in mind the only time I had to do anything close to this was when I first started work there and when my second son was born. Never had to do anything of the such since.
    I was a week late getting it to them due to some logistical issues and guess what-The assclowns denied coverage for my wife and kids.
    Yup- for the previous 19 years they were covered but now because of "Administrative" requirements of OblowmeCare they are not.
    Pissed me right the fuck off. Still am and I take it as a decision that has potential to put my families lives at risk.
    You want to tag me with a penalty fee for being late, fine.
    But because of some administrative fucks decision my wife and kids are swinging in the breeze. How fucking dare you!
    Did I mention I'm pissed?
    Sorry to rant and didnt mean to hijack ya.
    Good luck Brother
    The most important thing to be learned from those who demand "Equality For All" is that all are not equal...

    Gun Control - seeking a Hardware solution for a Software problem...

  8. #8
    If I had a son he would look like....Ben SideShow Bob's Avatar
    Join Date
    Mar 2010
    Location
    SE Aurora
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    7,121

    Default

    Quote Originally Posted by BPTactical View Post
    Did I mention I'm pissed?
    Sorry to rant and didnt mean to hijack ya.
    Good luck Brother
    Hey Bert !,
    You are nothing but an Internet terrorist that goes around hijacking threads.
    just kidding, Don't let admins AssHat move upset you too much. Remember, melloooow, melloooow...

  9. #9
    Zombie Slayer Zundfolge's Avatar
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    Jul 2007
    Location
    Wichita, KS (formerly COS)
    Posts
    8,317

    Default

    Considering your and your wife's ages you'll probably find that you can get better health insurance cheaper than through work (We've bought our own insurance for more than the last decade and its always been better than what I could get at work and cheaper even with the company contribution).

    We've got a plan through Humana ... you'll just need to shop around.
    Modern liberalism is based on the idea that reality is obligated to conform to one's beliefs because; "I have the right to believe whatever I want".

    "Everything the State says is a lie, and everything it has it has stolen.
    -Friedrich Nietzsche

    "Every time something really bad happens, people cry out for safety, and the government answers by taking rights away from good people."
    -Penn Jillette

    A World Without Guns <- Great Read!

  10. #10
    ALWAYS TRYING HARDER Ah Pook's Avatar
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    May 2007
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    Yavapai Co, AZ
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    Default

    This is my guy.

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    303-279-9700
    Hard times make strong men
    Strong men create good times
    Good times create weak men
    Weak men create hard times
    Micheal Hoff

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