Yep, if day-to-day medical was cash and carry all we'd need was a catastrophic plan for cancer and such. Most medical insurance I've found is basically a cat plan, but the premium is not commensurate with the coverage.
Would you care to, or be so kind as to post a link to the broker that you used?
My COBRA runs out in Sept of '23. I feel like I need to be looking and shopping now.
Thank you in advance!
Home Page - Ideal Health Advisors her name is Kim and is extremely helpful.
She can sell plans in OK from TX?
So, I spent almost 40 years in sales, and I'm just going to ask, if she's selling marketplace plans that you can buy without a broker, but need to talk to someone that understands the system and how to navigate it (like me cause I don't understand any of it), how does she get paid? Someone somewhere has to be providing an income stream for her to remain in business.
Do the plans pay it and add it the consumer's cost? Does the consumer pay her directly? Plans pay her and it cost the consumer nothing? Something different? Do you even know, or did you care?
I appreciate the link. I'll be calling her in the coming weeks.
God Bless you for sharing!! Much appreciated!!
Purchasing health insurance is labyrinth, and I'm helplessly hopelessly uneducated about the whole thing.
She’s licensed in like 5 or 6 states, including OK
I don’t have a marketplace plan. I’m sure she gets some sort of commission off of signing people up, I didn’t care due to the savings. Lol.
We were in the same boat, paying endless amounts of money for premiums just so we can pay even more meeting a deductible so they can finally pay their share maybe the last 2 months of the year. If anything she can help you navigate the labyrinth and find the correct plan, based on your needs and hopefully save you money.
TRUTH!!
2023 will be my families 7th consecutive year without health insurance. I will not pay $17k in premiums for the great coverage of paying another $7k in deductibles plus co payments.
We use a great doctor that has cash rates I can live with. Our 14 year old had an ear infection a couple weeks back:
$75 doctor fee
$14 antibiotic
$22 steroid
Thanks to the great advice of this site last year, I found an online pharmacy in Florida and I get our only recurring meds, my bp meds for $14 per 90 day supply. Walgreens is $700 for the same prescription for cash payers!
The Lord Jesus has blessed us all with great health. That being said I'm well aware that one hospitalization would absolutely destroy all our savings. This system is stoopid.
I can swing an emergency room or outpatient surgical procedure, but a big hospitalization surgery or some severe sickness would mean real trouble.
I cover car crash injuries should they occur via med payment coverages on our cars. If me and the wife can make it another decade or so we can make it to Medicare lol.
It's shameful.
My Doc says there is no correlation between the care you are given versus the money charged to you by the corporation. More and more Docs are being squeezed out of private practice and being forced to be employees of the big medical corporation
There is "free" or very low cost health care out there, but they don't advertise so most folks don't realize it. There are some limits on this, just be advised.
For example, if you live within a few zip codes in OKC, Crossings Church provides free healthcare at their medical complex on N Penn Ave, very close to the library and the Y, between Britton and Hefner Road. Medical, dental, I think sometimes even free legal advice by attorneys who volunteer their time.
In OKC, Variety Care has a good number of Clinics where they provide either very cheap or free health care services.
If you need hospitalization, you're probably on your own.
You'll just have to ask around, google, etc, talk to your doc etc.
Best wishes to you.
OH, by the way, you NEED to use Good RX dot com, and/or download their app.
I have saved a LOT of $$$ by buy scripts at Costco, Sams or wallymart pharmacy first of all, and they accept Good RX. It really works, no gimmick, no gotcha's.
For example, My Doc prescribed a med, sent it over to Walgreens where I get most of my scripts, and my insurance would not pay it for all.
Walgreens wanted $181.00 to pay for it.
Bullpucky! I plugged the medicine name into Good RX, and it showed pharmacies near me and their prices. Wallymart Pharmacy, next block over from Walgreens, sold it to me for only $16.87 !!! I just called Doc and had them send the script to Wallymart Pharmacy and it was a done deal. $181.00 vs $16.87 cash, are you kidding me? Good RX gave me a list of various pharmacies within the area and their prices, it varies, so do that!!!!
(I could have easily transferred the script from Walgreens to Wallymart via their app for website, but that takes a littel longer because Walgreens drags their feet).
To be fair, I think Walgreens would have accepted GoodRX, but not to the price that other pharmacies charge such as Wallymart in this particular instance.
I don't know of any pharmacy that does not accept Good RX, there are probably some but I have not run across any.
And BTW the wallymart pharmacy is referenced to is at Hefner & Rockwell in OKC, it's a neighborhood wallymart grocery with a pharmacy, with a drive up window, I detest going to the big wallymart super centers. That made it a no brainer for me.
There is "free" or very low cost health care out there, but they don't advertise so most folks don't realize it. There are some limits on this, just be advised.
For example, if you live within a few zip codes in OKC, Crossings Church provides free healthcare at their medical complex on N Penn Ave, very close to the library and the Y, between Britton and Hefner Road. Medical, dental, I think sometimes even free legal advice by attorneys who volunteer their time.
In OKC, Variety Care has a good number of Clinics where they provide either very cheap or free health care services.
If you need hospitalization, you're probably on your own.
You'll just have to ask around, google, etc, talk to your doc etc.
Best wishes to you.
OH, by the way, you NEED to use Good RX dot com, and/or download their app.
I have saved a LOT of $$$ by buy scripts at Costco, Sams or wallymart pharmacy first of all, and they accept Good RX. It really works, no gimmick, no gotcha's.
For example, My Doc prescribed a med, sent it over to Walgreens where I get most of my scripts, and my insurance would not pay it for all.
Walgreens wanted $181.00 to pay for it.
Bullpucky! I plugged the medicine name into Good RX, and it showed pharmacies near me and their prices. Wallymart Pharmacy, next block over from Walgreens, sold it to me for only $16.87 !!! I just called Doc and had them send the script to Wallymart Pharmacy and it was a done deal. $181.00 vs $16.87 cash, are you kidding me? Good RX gave me a list of various pharmacies within the area and their prices, it varies, so do that!!!!
(I could have easily transferred the script from Walgreens to Wallymart via their app for website, but that takes a littel longer because Walgreens drags their feet).
To be fair, I think Walgreens would have accepted GoodRX, but not to the price that other pharmacies charge such as Wallymart in this particular instance.
I don't know of any pharmacy that does not accept Good RX, there are probably some but I have not run across any.
And BTW the wallymart pharmacy is referenced to is at Hefner & Rockwell in OKC, it's a neighborhood wallymart grocery with a pharmacy, with a drive up window, I detest going to the big wallymart super centers. That made it a no brainer for me.
She gets a commission from the carrier. There is no cost to the insured.
Insurence industry lobbiest write the health care bills for Congrerss, then pay crooked politiucians to sign them, without even reading them, like they did Obama Care! I'm supprised we are not in worse shape than we are, allowing that to continue? Stuff like this is WHY all the crookes on both sides are so determent to keep President Trump out of office, HE WON'T PLAY THEIR GAMES, AND SELL OUR BEST INTREST TO THE HIGHEST BIDDER! OVERWHEL THE NEXT RIGGED ELECTION WITH LEGITIMATE VOTES, THEN DEMAND WE BE ALLOWED TO WITNESS THE VOITE COUNT, EVERYWHERE! President Trump is not n motiovated by money a or power, HIS MOTIVATION IS FIGHTING THE BATTLE AGAINST OVERWHELMING ODDS, AND WINNING! AND GOING DOWN IN HISTORY FOR THAT! IF HE WINS, WE WIN!!!!!!!!!!!!!!! VOTE!
Similar threads
