I know this has been touched on before but I need more help. We are looking for insurance and were told by our broker that most insurances are not traditional anymore and if they are they charge you more. We want to have a high deductable as we found out by doing this before we really have paid more even though we have preexisiting conditions.

Also I would like to know how to find insurance on my own not using a broker. We are self employed.

It sure would be nice to pick our own doctor again. We like our old family doctor but then everything went haywire oh about 4 years ago. Now no one is general practice anymore it seems. And they do not take this or that insurance.

Lynn

-- Lynn (johnnypfc@yahoo.com), September 14, 2001

Answers

A broker is far better than a company agent, at least a good broker.

-- Joe (CactusJoe001@AOL.com), September 14, 2001.

Check out the National Association for the Self-Employed (NASE) at NASE.org. Fill out a contact information sheet and someone will call you from your local area and explain the benefits of their insurance. You can choose how 'traditional' or not to make your coverage. It was the best price I found as a self-employed person.

-- Anne (HealthyTouch101@wildmail.com), September 14, 2001.

When hubby was self employed, we had BCBS, at first Cobra, but when we lost Cobra, we continued with them. Like you, we chose the bigger deductible, but we were paying them half what it would have cost us to get insurance through the local hospital...The only problem I had with them was that they refused to insure one of my sons because of an innocent heart murmer. Two weeks off Cobra, he had a $10,000 arm break!! Ouch and ouch again.

-- mary (marylgarcia@aol.com), September 14, 2001.

Check this link out: http://www.crown.org/library/viewarticle.asp? id=81395218

It's about medical cost-sharing plans.

-- hmm (h.m.metheny@att.net), January 05, 2002.