Greg, Having to submit your own bills is certainly something to consider - hadn't thought about that. Thanks, I'll ask about that. We currently have Golden Rule HSA and have been satisfied with their services. This other company (Assurant) is nearly half the cost ($120/mo. for me and two kids), but I'm naturally wary because I don't know anything about this company. David, The HSA is the way to go if there aren't many hospitalization needs. You get to save money in your own account that builds tax-free for medical uses. The idea is to use that money to pay for minor things like office visits and smaller procedures. For instance, the plan I'm looking at has a $5,100 annual deductible with 100% coverage after that. Rather than pay $300+ every month with a traditional plan, you save the difference in the savings account (like a medical checking account). Then you pay for small things from that account. (Ideally, you want to build up the account to at least the annual deductible amount so you have that readily available.) Our normal medical needs are less than $500 every year, so this plan is great since it offers catastrophic coverage at a cheap rate. Susan, we're doing what you suggest. Eating around 90% organic/natural foods, trying to get exercise, etc., saying "no" to prescription meds. It makes some sense to me to try to cover major medical needs, especially since I have two little ones for whom to provide. If it were just me, I probably wouldn't have insurance and would be saving up money every month to be self-insured (I'm 35 and in good health as far as I know). Thanks, all, for the suggestions. John Formsma -----Original Message----- From: pianotech-bounces@ptg.org [mailto:pianotech-bounces@ptg.org] On Behalf Of Greg Newell Sent: Thursday, December 22, 2005 11:16 PM To: Pianotech Subject: Re: health insurance John, The HSA I use is thru Golden Rule. We get a check book with which to pay health cost that come out of the savings part of the plan. We even get something like 6% interest on the account. Not too bad in my book. Others I looked at way back when made me submit bills for re-imbursement. Not as convenient as writing a check that's for sure. Take a good look at the lifetime ceiling benefit too. best, Greg At 10:17 PM 12/22/2005, you wrote: >This is business related, but it’s not piano related J > >What are you self-employed guys doing for health insurance? > >I’m currently looking at a different Health Savings Account (HSA) plan >with Assurant Health – any negative experience with this company? It used >to be Fortis, from what I’ve been told. > >Thanks and Merry Christmas! > >John Formsma Greg Newell Greg's piano Forté mailto:gnewell@ameritech.net _______________________________________________ pianotech list info: https://www.moypiano.com/resources/#archives
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