Lurker here w/?? - insurance & ebay

iVillage Member
Registered: 05-08-2003
Lurker here w/?? - insurance & ebay
8
Sun, 10-19-2003 - 3:13pm
Hi - I'm a longtime lurker with a few questions. (Two totally different!)

(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!

Puppy

iVillage Member
Registered: 08-26-2003
Sun, 10-19-2003 - 7:17pm
I have a question for you. Dh and I have been tossing around the idea of selling on ebay but don't know where to get the stuff. Where do you find what you sell?

Thanks, sorry to butt in,

Amber

Avatar for e13lorena
iVillage Member
Registered: 03-25-2003
Sun, 10-19-2003 - 7:30pm
I don't know about the Health Plan Extras, but I wanted to say that Dh and I haven't had insurance for over 2 years. The only time I've ever had insurance was when I was still living at home (with parents) and when I was pregnant with my girls (both time was State Insurance).

Neither of our jobs offer insurance and we don't pay for private insurance. We couldn't afford to even if we wanted to. That said, I am now pregnant with #3 and if we decide to have an assisted homebirth (we're planning to go un-assisted) we will seek out teh state insurance (Medicaid) again. My girls are both covered by Medicaid now and we never have to use it, expect for yearly check-ups.

We have yet to have (knock on wood and God Bless) an illness or injury that required hospital care. And even if you do only some things are covered. You can usually work out a payment plan in the case you have to pay for the entire hospital bill.

I personally think insurance is a scam, you pay and pay and pay and get nothing back if ~nothing ever happens to you. And when something does happen to you, you still have to pay and pay and pay, co-pays, deductible and then get fined (preminus increased) if you use it, which case in point, you pay and pay and pay!

In other words, unless you're planning on having huge dental work, a baby, or other sugery soon, I wouldn't worry to much about the insurance. I agree with a very high detuctible, and limit doctor visits unless absolutely necessary.

Some may not agree but it's JMHO,

About ebay. YOu might get more selling books on half.com and you don't have to want for auctions to end. I'm not sure of the fess. I know many SAHMs the do sell lots on ebay, I wouldn't say it's full-time, but the make a good profit. You have to know what sells good and how to post / list things so you get the most search results.

Is there any way your DH can get a second job. If he's not making very much profit from the lawncare co. is it really worth it? Is there places where you cut spending out of your budget. Maybe if you list what you spend your budget we can help.

HTH a little bit,

~Erin

Avatar for heatherr1
iVillage Member
Registered: 03-31-2003
Sun, 10-19-2003 - 10:12pm
I would not go for the discount plan. Insurance is insurance, you buy it so that you can have it there when you need it. Praying to God that nothing happens to you is no way to live. What if you get into a car accident, or someone in your house is diagnosed with a disease or serious illness? Do you think you can work out a payment plan for $500,000? Most peeple can't, that is why you pay for insurance. I say if you can afford it, keep it.

Heather












Avatar for cl_lfbennett
iVillage Member
Registered: 03-24-2003
Mon, 10-20-2003 - 6:58pm

The only fees you have to pay on half.com are a small commission on your sales. You don't have to pay to list anything. You just pay if and when your item sells. It's a great way to sell books. I like it because you can just list your books and forget about it til (and if) it sells. If you want it to sell faster, you can lower the price. You may not make as much because there aren't any bidding wars going on, but it's super easy to use, and doesn't cost you anything really. I don't know if it's a good way to make money as a business, but it sure is a good way to make a few bucks by getting rid of unwanted books, CDs and movies.

Leslie

Leslie
cl-lfbennett @ Frugal Living

iVillage Member
Registered: 03-26-2003
Mon, 10-20-2003 - 9:28pm
Hi! I would have to say that neither of these plans sounds ideal. Have you checked with other insurance companies? I checked w/ BC/BS a few years ago & they seemed reasonable for their basic coverage. You are right that an illness/injury could wipe you out financially. I'm a critical care nurse & it is astounding how much even one night in ICU costs---then if you add the emergency room, emergency surgery, etc.--yikes!

What type of work does your DH do? My DH is a self-employed handyman/builder & I know that they offer insurance through a home builder association. I would check with any associations/groups that maybe your DH could join & get a group rate for insurance.

Good luck!

Denise

Photobucket
iVillage Member
Registered: 03-26-2003
Mon, 10-20-2003 - 9:30pm
I'm referring to the insurance plans, not your thoughts about e-bay!
Photobucket
iVillage Member
Registered: 05-08-2003
Tue, 10-21-2003 - 9:15am
I haven't had much success with half.com. I had about 50 books listed for a year and only sold 2. Maybe they were just priced too high, but I went by Ebay's rec. price or even lower. Maybe no-one wanted those books, lol! I've done pretty good on Ebay. I'm slowly learning what books will sell, although I've listed quite a few duds too.

Someone asked where I got my books - mostly Goodwill. I won't pay $1 or $2 for a book if I know I'll only make about $.50, but I have bought books there and sold them for $75 and up. I once paid $.50 for a book and sold it for $100. One of our Goodwill stores has a Good Cents store next to it and the books there are really cheap. You can get 5 hardcover books for $.99 and 10 softcovers for $.99. However, there are two men who are there EVERY time I go (I go about once every other week, really need to go more often if I'm gonna be serious about this). These men are there when it opens and practically grab the books out of your hands!

As far as the insurance, I'm too paranoid to drop it yet. We've had BC/BS and it worked out much better, but they went up on their rates significantly the second year we were with them (very typical). Oh, for the good ol days when I had benefits thru my employer and all we paid was a $10 co-pay. Both my pregnancies only cost $10 each - all doc visits, delivery, hospital stay and 6 week ck-up!

Thanks all.

iVillage Member
Registered: 03-30-2003
Tue, 10-21-2003 - 5:45pm
My husband and I started our own business doing Ebay full time two years ago. We used to do it on the side and made good money. I quit working when our first child was born and DH was laid off two years ago. We decided to go for it and do Ebay full time. We LOVE it. We have been successful enough to upgrade to a much nicer house and be with our kids. We split the day up so the first half of the day DH works while I take care of the kids then we switch. We get our items at yardsales, auctions etc. We also sell for other people on commission. We clear about 3k per month. We use our garage as "Ebay headquarters" so we don't have all the merchandise and packing stuff in the house. This also allows the one who is working to be away from interuptions.

If your husband is selfemployed then you may be able to get insurance at reasonable rates through the NASE. Go to www.nase.org for more information. They would not cover us because of a medication my husband takes. We pay Anthem out of the nose for nothing!

Good luck!