PPA and Insurance
- By awinphoto
- Canon General
- 5 Replies
mackguyver said:I'm sorry, I'm still in my Monday morning fog :-[. I misread your post, but in terms of health insurance, I'm guessing PPA will probably do what the MLA (Modern Language Association) and other creative groups have done and drop their health insurance due to Obamacare. If you're reasonably young and healthy, your best bet is a high deductible plan with riders for Rx and a handful of office visits. That keeps your premium low, but is what's called catastrophic insurance, which means that if you get really sick or injured, you'll have to cough up $4k or whatever your deductible is to cover the bills. I did this when I was younger with the theory that I and my family could scrounge up the money should I fall of a ladder or something. Humana and United generally offer pretty good plans.awinphoto said:I just looked... is this equipment insurance or health insurance... I was looking for health/medical insurance... it appears this is equipment insurance.
Otherwise, you'll have to take your chances on the new exchange. Just be sure not to buy the really cheap plans from unheard of companies. There's a company out of Texas called UICI that has changed it's name 10x and operates 100 shell companies. They are the scourge of the insurance industry (I have 10 years in this world) and have had the unfortunate luck of having to deal with them for my wife's claims. If you've ever seen The Rainmaker, they are the real Great Benefit. Go with a brand company, Blue Cross, Cigna, Humana, United, and you'll have the same lousy insurance as the rest of us, but you won't get totally screwed.
Thanks for your input =)
Upvote
0