Medical insurance- am I being ripped off??

[RStar]

Originally Posted by Kevy Baby

We are a small company, but we get our insurance through a trade association, which helps keep the price down. Is there some kind of group buying that your employer can get involved with?

Yes, we have an HR company (HR Logic, I think) and that is the first question I'm going to ask. I'm not sure if they are getting it through them, or the broker we have had for decades.

Originally Posted by Cadaverous Pallor

Is the premium based on your wife's condition?

No, when buying insurance through a company like this, they don't take that into consideration. It's based on age only.