Health Insurance for RPT's?

[John Formsma]

Carman,

There was a discussion of this sometime last year. You might check the
archives under "health insurance."

Basically, each family's needs are different. My family doesn't have chronic
illness, so we have a Health Savings Account policy through Golden Rule.
This is basically major medical with a high deductible. For me and two
children, the monthly cost is $212, and the deductible is $5400 per calendar
year. This may sound bad at first, but this plan offers 100% coverage after
the annual deductible is met. I really like that option because at least I
know I'm not spending more than $5400 every year should something
catastrophic happen.  Many policies would require paying at least $5400 per
year in premiums alone, so it's really a matter of risk vs. benefit (like
all insurance, huh?)

I got my policy through www.ehealthinsurance.com. I bet you could find some
helpful information there as well.

John Formsma

-----Original Message-----
From: pianotech-bounces at ptg.org [mailto:pianotech-bounces at ptg.org] On Behalf
Of David Ilvedson
Sent: Saturday, April 01, 2006 9:58 PM
To: pianotech at ptg.org
Subject: RE: Health Insurance for RPT's?

It sucks in general...I have Kaiser, which I like, $820 a month for a family
of 3...

David Ilvedson, RPT
Pacifica, California



----- Original message ----------------------------------------
From: "Carman Gentile" <cgpiano at humboldt1.com>
To: pianotech at ptg.org
Received: 4/1/2006 6:50:07 PM
Subject: Health Insurance for RPT's?


>April 1st, 2006

>   What are the best Health Insurance options for us self-employed Piano 
>Technicians?  (I have Blue Cross now.)

>Carman Gentile RPT
>Redwood Chapter