Jump to content


Photo

freelancer insurance


  • Please log in to reply
5 replies to this topic

#1 Ninjakreborn

Ninjakreborn
  • Members
  • PipPipPip
  • Information Technology Specialist
  • 3,922 posts
  • Age:33

Posted 26 October 2006 - 01:26 PM

I have been on medicaid for a little while, but the time has come I am reporting an income change, I have the paper on the way.  I also need to get more insurance now than they cover.  I just need advice on what to get.  I owe 24,000 dollar's in medical bill's, or will soon.  I was wondering about insurance, what would be a good overall dental insurance.  I was wanting something that cover's everything at first
Life insurance, dental insurance, health insurance, and if you had a house, then house insurance.  Like a freelancer insurance package or something.
I heard that dental insurance can sometime's cut the cost down by nearly 50% which is what I needed.
Does anyone know of a good insurance company overall for freelancer's, or a freelance insurance.
I was hoping to find one really good company later that did ALL insurance, for all 3 family members, me(my wife, and daughter), but something specifically for self-employed worker's or freelancers.

Any advice?

------

Business Website: http://www.infotechnologist.biz

Personal Website: http://www.joyelpuryear.com

Blog Site: http://www.realmofwriting.com
Services: Web development, application development, mobile development, and custom development. All services listed on my website.


#2 obsidian

obsidian
  • Staff Alumni
  • Advanced Member
  • 3,202 posts
  • LocationSeattle, WA

Posted 26 October 2006 - 01:55 PM

Typically, if you pick up dental insurance now, they'll only cover upcoming visits. It won't cut down on the bills you've already accrued. Also, there is a marked difference between personal insurance and property insurance. I highly doubt you're going to find a package that offers medical, dental and housing/property insurance. One other thing to consider is your location. I'm assuming based on the fact you cited medicaid you are in the US. Where, though? What region? There are several national insurance companies, but you may well find a much better deal from a local place. Check out the coverage from Blue Cross/Blue Shield. They are a little pricey sometimes, but their coverage is excellent.

Another idea, and this is what I've found to be the best with a family (at least for me) is to try and find a company to do a long term contract with that will allow you to opt in to their family insurance package. Typically, it is a lot cheaper than trying to get it yourself, and it often has better coverage.
You can't win, you can't lose, you can't break even... you can't even get out of the game.

<?php
while (count($life->getQuestions()) > 0)
{   $life->study(); } ?>
  LINKS: PHP: Manual MySQL: Manual PostgreSQL: Manual (X)HTML: Validate It! CSS: A List Apart | IE bug fixes | Zen Garden | Validate It! JavaScript: Reference Cards RegEx: Everything RegEx

#3 .josh

.josh
  • Staff Alumni
  • .josh
  • 14,871 posts

Posted 26 October 2006 - 02:47 PM

umm..what state do you live in? well you don't really have to answer that. I just thought that medicaid only covered children and (pregnant) women?

And anyways, I hate to say it, but someone needs to (your mom or your dad, your wife, etc.. would be better), but you just posted earlier today in another thread about buying hundreds of dollars in video games last week, and how nothing stands between you and your video games.  Maybe if you re-organized your priorities, you'd be able to figure something out.
Did I help you? Feeling generous? Buy me lunch! 
Please, take the time and do some research and find out how much it would have cost you to get your help from a decent paid-for source. A "roll-of-the-dice" freelancer will charge you $5-$15/hr. A decent entry level freelancer will charge you around $15-30/hr. A professional will charge you anywhere from $50-$100/hr. An agency will charge anywhere from $100-$250/hr. Think about all this when soliciting for help here. Think about how much money you are making from the work you are asking for help on. No, we do not expect you to pay for the help given here, but donating a few bucks is a fraction of the cost of what you would have paid, shows your appreciation, helps motivate people to keep offering help without the pricetag, and helps make this a higher quality free-help community :)

#4 Ninjakreborn

Ninjakreborn
  • Members
  • PipPipPip
  • Information Technology Specialist
  • 3,922 posts
  • Age:33

Posted 26 October 2006 - 04:51 PM

Typically, if you pick up dental insurance now, they'll only cover upcoming visits. It won't cut down on the bills you've already accrued. Also, there is a marked difference between personal insurance and property insurance. I highly doubt you're going to find a package that offers medical, dental and housing/property insurance. One other thing to consider is your location. I'm assuming based on the fact you cited medicaid you are in the US. Where, though? What region? There are several national insurance companies, but you may well find a much better deal from a local place. Check out the coverage from Blue Cross/Blue Shield. They are a little pricey sometimes, but their coverage is excellent.

Another idea, and this is what I've found to be the best with a family (at least for me) is to try and find a company to do a long term contract with that will allow you to opt in to their family insurance package. Typically, it is a lot cheaper than trying to get it yourself, and it often has better coverage.

I live in smyrna Georgia.  I will listen to your advice, some of those sound like it would be a good thought, especially your second paragraph.  I will keep both of those in mind.

umm..what state do you live in? well you don't really have to answer that. I just thought that medicaid only covered children and (pregnant) women?

And anyways, I hate to say it, but someone needs to (your mom or your dad, your wife, etc.. would be better), but you just posted earlier today in another thread about buying hundreds of dollars in video games last week, and how nothing stands between you and your video games.  Maybe if you re-organized your priorities, you'd be able to figure something out.

I live in georgia, yes they cover males, I don't know under what circumstances, but they are doing it with us however for some reason.  Thank you also for the advice on prioritization, I will keep that in mind for the future.

------

Business Website: http://www.infotechnologist.biz

Personal Website: http://www.joyelpuryear.com

Blog Site: http://www.realmofwriting.com
Services: Web development, application development, mobile development, and custom development. All services listed on my website.


#5 .josh

.josh
  • Staff Alumni
  • .josh
  • 14,871 posts

Posted 26 October 2006 - 05:19 PM

yeah i forgot to mention that, but obsidian mentioned it.  I'd like to re-iterate it though: You will be VERY hard pressed to find an insurance company that will cover pre-existing conditions, and they certainly will NOT pay for any portion of pre-existing bills, even if they WILL cover the pre-existing condition from then on (which they probably won't).  So whatever you've racked up in bills so far, that's completely up to you to resolve.

You could possibly file bankruptcy. Chapter 11 or 7. But those laws are changing to make it harder to file bankruptcy.  And laws vary from state to state.  If you are looking to lessen/remove debt, look into that, instead of insurance. 
Did I help you? Feeling generous? Buy me lunch! 
Please, take the time and do some research and find out how much it would have cost you to get your help from a decent paid-for source. A "roll-of-the-dice" freelancer will charge you $5-$15/hr. A decent entry level freelancer will charge you around $15-30/hr. A professional will charge you anywhere from $50-$100/hr. An agency will charge anywhere from $100-$250/hr. Think about all this when soliciting for help here. Think about how much money you are making from the work you are asking for help on. No, we do not expect you to pay for the help given here, but donating a few bucks is a fraction of the cost of what you would have paid, shows your appreciation, helps motivate people to keep offering help without the pricetag, and helps make this a higher quality free-help community :)

#6 Ninjakreborn

Ninjakreborn
  • Members
  • PipPipPip
  • Information Technology Specialist
  • 3,922 posts
  • Age:33

Posted 26 October 2006 - 05:57 PM

I think I will follow your first advice.
Re-prioritize, and work my ass off.

Thanks.

------

Business Website: http://www.infotechnologist.biz

Personal Website: http://www.joyelpuryear.com

Blog Site: http://www.realmofwriting.com
Services: Web development, application development, mobile development, and custom development. All services listed on my website.





0 user(s) are reading this topic

0 members, 0 guests, 0 anonymous users