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- Feb 5, 2020
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So, I am investigating changing from our current health insurance plan that costs over $18k a year for my wife and I, with a $10k deductible.
I have heard great things about "pools" like "Christian Healthcare Ministries" but I am not a Christian and I won't lie on an application and say that I don't drink. Does anyone have direct first-hand experience with health insurance or pools that might help me not re-invent the wheel and cut down on my many hours of upcoming research?
By the way, some of the questions I am investigating include:
Thanks in advance!
I have heard great things about "pools" like "Christian Healthcare Ministries" but I am not a Christian and I won't lie on an application and say that I don't drink. Does anyone have direct first-hand experience with health insurance or pools that might help me not re-invent the wheel and cut down on my many hours of upcoming research?
By the way, some of the questions I am investigating include:
- Is there an annual and/or aggregate maximum ($)?
- Is there a medical screening pre-enrollment?
- Is pricing fixed or flexible each month/year?
- What leads to a change in costs? (Other people’s illnesses? Our own use to cover care after an illness? Inflation? Gov’t regulations? Not enough plan participants? Etc?)
- What happens if a major expense occurs (Car accident, ICU stay, Cancer treatment)?
- What care/treatment is covered and what is not?
- What is our deductible?
- Are pharmaceuticals covered as well as services?
- Are vaccines required to be eligible?
- How much control does the government have over this policy?
- Is the premium tax-deductible for small business owners or sole proprietors not insuring our employees?
Thanks in advance!
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