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Health Insurance of Realtors????? Any Ideas???

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Real Estate Broker/Owner with Debbie Jean (DJ) Artrip, Cardinal Real Estate, Northern Mich

medicalFor those of us who don't have a spouse with health coverage, the cost of health insurance is our responsibility.

I was wondering if any of my real estate associates have found a "good" plan that provides major medical coverage, with out taking a second mortgage?

At 51 years of age, I'm too young for Medicaid, I make too much money for Medicare and I can't afford a premium Blue Cross/Blue Shield policy.

For 10 years I paid on a major med policy only to find out the first time I had to use it, it wasn't major med, it was supplemental.  So, out of a $60,000 medical bill, I'm now responsible to pay back $43,000...which I'm doing on monthly installments (There goes my vacation home)...

So, at this point, I'm seeking advise from my fellow Realtors, to see what policies you use and find beneficial.

Thanks in advance. DJziggy

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Karen L. Pietsch
Cary Property Pros - 4 Sale Realty, Inc. - Crystal Lake, IL
Cary Property Pros. Cary Property Pros Premier Real Estate

Excellent post Debbie.  If you get some good answers and advice here, please let me know.  I've been looking for decent coverage for many years now.  I thought I had one through my Board agent benefits but it turned sour.  I was told one thing and wound up getting something entirely different.  The rep told me what to expect but what she told me was not the way the process went.  I don't know if you're like me, but I don't appreciate someone telling me to expect this but get that.  That was a turn off and I'll never go back.  People need to know what they're doing if they're going to give instructions.

Feb 25, 2011 01:28 AM
Carla Wade
Charlotte, NC

Debbie, I am in the same boat as you are.  Major medical simply that, major.  It don't mean major cost! I have been searching for something too.  I am going to follow your blog and let's hope we both get some good answers.

Feb 25, 2011 01:29 AM
Hannah Williams
HomeStarr Realty - Philadelphia, PA
Expertise NE Philadelphia & Bucks 215-820-3376

I have been searching also ..To no avail...and the older you get the higher it goes!! I never thought I would look forward to turning 65 years old so I could get affordable Health Care...My Health insurance is higher than my mortgage ...

HelpfulHannah

Feb 25, 2011 01:37 AM
Debbie Jean (DJ) Artrip
Debbie Jean (DJ) Artrip, Cardinal Real Estate, Northern Mich - Hawks, MI

Hey Karen~  Keep an eye on my post, hopefully, one of our fellow AR will have a good solution to this costly issue.  The Bait & Switch game is what my last insurance company played on me. Unfortunately, I found out $43,000 to late.

Hey Carla~  This is why I enjoy AR so much.  We, as Realtors, have a source we can turn to when we need questions answered.  Stay tuned:)

Hey Hannah~ Isn't that a shame, we live in the most wonderful country in the world and we can provide national health care for our working stiffs.  I, too, never thought I'd be looking forward to 65. 

Best wishes to all and hopefully, someone out there can help us.

Feb 25, 2011 01:57 AM
Elizabeth Bouchard
Samson Properties - Arlington, VA
Associate Broker in Northern Virginia, DC and MD

I think many of us are in the same boat - both my husband and I are self employed.  Blue Cross/Blue Shield didn't want to insure us because of minor pre-existing conditions so we got a policy with Guardian (a United Healthcare company) but it has gone up 60% in the last three years and as you mentioned, is nearing the cost of our mortgage!  Your post is a couple of years old but I hope you have found something reasonable.  I am anxious to see whether the new plans that are rolling out next month will be any better or worse.

 

Sep 19, 2013 04:08 AM
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