[TriLUG] OT: NC insurance options

[Brian Phelps]

Whoa I dug up an old thread :)

Hadn't been here in a while

On Thu, Mar 29, 2012 at 7:45 PM, Brian Phelps <brphelps at ieee.org> wrote:

> I don't know if UHC has changed or not but our office had many problems
> with UHC. Basically you pay full price then UHC refunds you.  My infant son
> had breathing problems and we had a VERY hard time getting much of our
> money for what coverage was in our plan.  I felt like I had to be a lawyer,
> accountant, and even then we had collections agencies after us from several
> specialists.
>
> Once that dollar has left your wallet you must justify getting it back
> from UHC and they will reject it over and over.  NOT FUN!  Not practical.
>
> We switched to BCBS and it _was_ better than UHC for a while until the
> Obama healthcare passed.  Then deductibles more than doubled and coverage
> shrunk while premiums went up over 15%.  Just stating the facts here.  Read
> into politics what you will.
>
> Basically we were buying in a large group in a kind of co-op and that
> apparently dissapeared when the new Obama legislation passed.  Don't know
> why this became "illegal" but here we are with shitty coverage and higher
> premiums and deductables.
>
> If anyone does have an alternative for us small businesses please chime in!
>
>
> On Fri, Feb 24, 2012 at 6:07 PM, Mitchell Amiano <mamiano at nc.rr.com>wrote:
>
>> Even with BCBSNC there are different options.
>> Blue Advantage HSA is pretty high deductible but a lower cost alternative
>> to a more traditional plan.
>> There is also United Health Care, which servers small businesses and
>> individuals (http://www.uhc.com/).
>> Check out the Triangle chapter of the Health Underwriters association for
>> potentially other resources (http://www.nctahu.org/).
>>
>> I've heard of some church-based plans, but cannot think of the name; I
>> think they tend to be more like cooperatives than insurance.
>> Another thing to look at is clinics. Raleigh has one:
>> http://www.alliancemedicalministry.org/primary-care/
>> I've heard that cash-basis offices have fairer pricing schedules, but
>> there are few of them around and hard to get into.
>>
>> Regards,
>> Mitch
>>
>> Sent from my living room
>>
>> On Feb 24, 2012, at 12:22 PM, Patwbrewer wrote:
>>
>> > I think there are a few self employed folks in Trilug. So I wanted to
>> ask if there are an options I should consider other than BCBS in NC for
>> health insurance when doing contract/project work.
>> >
>> > Sent from my iPad
>> > --
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>>
>> Mitchell Amiano
>> (919) 410-8008
>> mamiano at nc.rr.com
>>
>>
>>
>>
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>
>