Lurker here w/?? - insurance & ebay
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|Sun, 10-19-2003 - 3:13pm|
(1) Have any of your heard of Health Plan Extras? My DH is self-employed, I am a SAHM. Therefore, we are paying for our own health insurance and it's very expensive. We have gone with a catastrophic plan with a $4,000 deductible, a $40 copay on doc visits (high I know). The insurance is costly and, frankly, it doesn't pay for anything. (Guess that's why it's "catastrophic.") We could really use the extra $$$ we are paying every month for HI, but I'm scared to be without it. I'm afraid that the minute we drop it, one of us is gonna get really sick or hurt and have a HUGE medical bill to pay.
I received some info in the mail about a plan called "Health Plan Extras." It is not insurance, but a discount program. You have to use the providers in their plan (not a problem since I'm not that enthusiastic about the doc we see now). You receive discounted services on doc visits, vision, dental and more. Hospital visits are $1,000 plus a discounted amount on other services. The cost is $14.95 per month. At first I thought - GREAT! This is the answer. But, then I started thinking....hmmm...I don't mind paying for doc visits, etc., (because the plan we have now is basically worthless in that area), but a hospital stay would drain us.
Help! Comments? Suggestions?
My other question - Does anyone here do Ebay for a FT business? I sell (mostly books) and make anywhere from $300 - $400 per month. DH and I have discussed doing it FT. (He is a partner in a lawncare co. and after expenses, doesn't really make enough for us to live on.) Anyone have any advice?
TIA for any and all input!