Medical insurance- am I being ripped off??

alphabassettgrrl · 07-27-2010, 11:27 AM

Ugh. I'd say yes, you're getting ripped off, but if the owner doesn't want to switch to a company that works for everybody I'm not sure what you can do, other than get an individual policy (which has risks that a group policy does not).

RStar · 07-27-2010, 11:54 AM

So, I guess it boils down to- does anyone else here work for a small company of 50 people or less, get Blue Shield (or Anthem Blue Cross) directly (not through a group) and pay close to those same prices? Or is it just my company?

My other option is that my wife is on SSI Dissability, so she gets Medicare Part A (or is it Medical? I get them confused). I can take her off my insurance, and pay for her Medicare part B & the supplemental insurance through AARP or some such firm. I don't know how much those would cost, and what the coverage would be like. She would also have to change medical groups and drs which would really suck. And less places take Medicare/Medical now. This option makes me nervous....

My last option is to find a new job with better benifits. But that makes me even more nervous in this economy.

Stan4dSteph · 07-27-2010, 11:57 AM

I'm on Anthem, but it's with a very large company so I doubt my rates would be comparable. Sorry you're having such troubles.

07-27-2010, 11:27 AM	#1
alphabassettgrrl Senior Member Join Date: Jan 2005 Posts: 4,978	Ugh. I'd say yes, you're getting ripped off, but if the owner doesn't want to switch to a company that works for everybody I'm not sure what you can do, other than get an individual policy (which has risks that a group policy does not). __________________ Why cycling? Anything [sport] that had to do with a ball, I wasn't very good at. -Lance Armstrong
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07-27-2010, 11:54 AM	#2
RStar Senior Member Join Date: Jun 2006 Location: Me & Manyard hangin out! Posts: 5,433	So, I guess it boils down to- does anyone else here work for a small company of 50 people or less, get Blue Shield (or Anthem Blue Cross) directly (not through a group) and pay close to those same prices? Or is it just my company? My other option is that my wife is on SSI Dissability, so she gets Medicare Part A (or is it Medical? I get them confused). I can take her off my insurance, and pay for her Medicare part B & the supplemental insurance through AARP or some such firm. I don't know how much those would cost, and what the coverage would be like. She would also have to change medical groups and drs which would really suck. And less places take Medicare/Medical now. This option makes me nervous.... My last option is to find a new job with better benifits. But that makes me even more nervous in this economy. __________________ Meddle not in the affairs of Dragons, for you are crunchy and good with ketchup! www.StarTownGifts.com
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07-27-2010, 11:57 AM	#3
Stan4dSteph Senior Member Join Date: Jan 2005 Location: East Bay Area, CA Posts: 3,156	I'm on Anthem, but it's with a very large company so I doubt my rates would be comparable. Sorry you're having such troubles.
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