<http://www.nase.com> ).
I was pretty unimpressed with the health plan. It went up ~$20 every 6
months. The coverage offered was fair (dental, vision, and stuff like that
included ), but the closest "general practitioner" I could find was about
30 minutes away and it was a walk-in clinic (no appointments). It kind of
made going to the Doctors a day trip.
They did some blood-work and sent it out and the insurance company wanted
me to pay my co-pay for both the office visit and the blood-work bill. ( I
fought them on that and won ).
Now I use Anthem / BlueCross / BlueShield. I don't know if they are
available everywhere. ( <http://www.anthem.com> ) I haven't had to use them
yet as a contractor, but I got a good rate for good coverage ( and they are
who I had back when I had a real job ).
An associate of mine just switched to Oxford Health Plans (
<http://www.OXHP.com> ). The only reason he mentioned it to me was because
we did some disaster recovery work for them together. If you go with them
you can rest assured that they have a disaster recovery plan that I helped
to wrote ( abandoned in on a forgotten file server somewhere ).
From what I understand for insurance you want to avoid places that use a
tactic called "reasonable and Customary". They give you lower rates up
front, but kill you if you ever need it. Reasonable and customary means
that they take an average of standard rates that people charge for a
service, and then pay the average for that service. That sounds all good
and fair, but when you live in New York you probably don't want your
payment amount average w/ Kansas doctors.
I believe I have disability insurance through a program that American
Express offered. I called a bunch of places about business insurance, but
never actually chose a vendor. People wouldn't return my calls.
I never thought of investigating a Chamber of Commerce for health
coverage. Perhaps I'll have to look into that.
Does that help?
At 10:04 PM 2/4/2004, you wrote:
>Subject: Insurance Question
>From: "C. Hatton Humphrey" <[EMAIL PROTECTED]>
>Date: Wed, 4 Feb 2004 21:40:37 -0500
>Thread:
>http://www.houseoffusion.com/cf_lists/index.cfm/method=messages&threadid=11548&forumid=5#105068
>
>Well, the home business is kicking off pretty well (yay) and now I need to
>figure out the fun things like insurance, bank accounts, etc. I've talked
>with the local Chamber and if I join them I can get family health coverage
>for a little over $1600 per quarter. I've also looked at a couple of
>national organizations.
>
>My question is for those who handle their own insurance, who do you go
>through?
>
>Thanks!
>Hatton
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