Gapers Block has ceased publication.

Gapers Block published from April 22, 2003 to Jan. 1, 2016. The site will remain up in archive form. Please visit Third Coast Review, a new site by several GB alumni.
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Thursday, February 29

Gapers Block

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annie / June 4, 2009 11:11 AM

I'm happy with my insurance coverage, I have Blue Cross Blue Shield PPO. I chose PPO b/c I am a bit of a hypo and go to several doctors and I like being able to choose them. I had major foot surgery 2 years ago and I went to a highly regarded podiatrist and I thought it would cost me a ton out of pocket and the PPO covered way more than I thought. I consider myself very lucky.

jen / June 4, 2009 11:43 AM

I think my mom still has a life insurance policy on me?
Health insurance at the job I hate is great (BCBS PPO, $10 doctor co-pay), I only pay 15% of the premium or some such absurd number.
State Farm for car and renters is fine I guess except the rates went up and I barely drive my car, have a clean record, park off-street, and am not in a high-risk category anymore so I think car insurance is a COMPLETE racket.

snuh / June 4, 2009 11:58 AM

why? are you trying to sell me some?

Andrew Huff / June 4, 2009 12:04 PM

@snuh Nope. Let's just say it's come up in conversation a lot this week.

Pete / June 4, 2009 12:31 PM

I've got plenty of policies - health, house, car - though I suspect that when push comes to shove, the insurance companies will undoubtedly screw me out of paying me all that I deserve.

Carrie / June 4, 2009 1:30 PM

Like Annie, I too, have BCBS PPO and am super happy with it. Due to various random illnesses/ailments, I've had about 5 cat scans and MRIs in my life- the first one I had UniCare and it cost me $5000 and everyone since then it's cost me out-of-pocket no more than $300. So I feel super lucky-fortunate-thankful to have health insurance. I also have good dental insurance, so between that and a great dentist, I've been getting my chompers cleaned every 6 months for years.

I also have condo and renter's insurance. I hope to never, ever use them.

winediva / June 4, 2009 1:35 PM

Luckily, I have rock star, high deductable, health insurance from Blue Cross/Shield IL. Pays for everything from annual gyno to acupuncture. The paperwork kind of blows, but that's true with any health insurance and long term care. Even with rock star insurance, my bank account tanked after 18 months of cancer treatment. I pay $100-$150 a month just in parking at the hospital for drs appointments, chemo, and tests.

I have a pretty grown up homeowners policy with State Farm, with riders for special stuff like my wedding ring.

My car insurance w State Farm is comprehensive, but kinda pricey. I think its because of my "high risk" zip code. Crazy, since hubcaps were stolen years ago and my ride is pretty crappy.

Life insurance? Um, not so much. The insurance companies don't like my odds. They can bite me.

dragonslayer / June 4, 2009 1:36 PM

I'm overinsured. I have life, health, disability, car, condo, liability.

I don't need the life. I have no heirs and I'm probably not going to get any.

Mike / June 4, 2009 4:22 PM

Dragonslayer, I have enough life insurance to bury me.

Health (Trustmark PPO), disability, car, homeowner's. I was on an HMO years ago until I broke my wrist and experienced the nightmare of a system that's really only good if you're healthy and don't get hurt. My homeowner's is nearly doubling for some shady reason, so I'm looking elsewhere.

sd / June 4, 2009 7:32 PM

Happy that it saves me money for drugs, tests, procedures, etc. Lucky to have it, can't imagine living without it.
Car and rental insurance as well. Cheap enough that its crazy to go without it.

Brubeck / June 5, 2009 10:58 AM

Not to get all rhetorical, but I always considered the term life insurance to be something of an oxymoron.

Meems / June 5, 2009 4:04 PM

Just started working again and of course I had to go to the ER when I was uninsured. I was super excited to get a job at a hospital so even though I have Aetna HMO, all my docs are right here, co-pay is waived and there's no deductible. The dental is normal but my vision is awesome! Exam plus glasses with designer frames are only $20/year!

Cheryl / June 7, 2009 3:21 PM

BC/BS PPO, vision, renter's, and a big-ass life insurance policy through work--it's twice my annual salary, and it's free. I have no dependents, so If I die while I'm still working here it goes to the shelter where I got my cat.

fluffy / June 7, 2009 7:21 PM

I hate that my health insurance has a $1350 deductible I have to meet every year before they start paying 100%- and that includes pharmacy benefits. Believe it or not, I met the deductible last year. Dental and vision are ok, life insurance is 3 times my salary.

w / June 7, 2009 8:28 PM

I am not sure what my deductibles are, or how much of my tests/surgeries/etc. they pay, because I throw out medical bills when I get them. I refuse to pay a penny more than what my insurance pays for it. Fuck 'em.

Cindy / June 8, 2009 9:10 AM

completely and entirely uninsured. Being a recent college graduate is really awesome. I promise.

Jill / June 8, 2009 11:43 AM

Hoping the Aetna COBRA comes through soon (subsidized--at regular price, it was unaffordable for us). Though ideally a new job-with-decent-benefits will come through soon for my husband.

Best health insurance ever? My old job. No out-of-paycheck fees, $5 co-pays (for Rx too...$3 for generics). $10,000 surgery? I paid nothing out-of-pocket. It was fantastic. Too bad I didn't like the job enough to stay there. On the days I deal with health care, I miss it. Sigh.

Sarah-Ji / June 8, 2009 2:59 PM

We have BCBS HMO, and I don't have any complaints about it. I've never paid anything but reasonable copays so far.

Dental, on the other hand, is a joke. I have Cigna Traditional Indemnity which lets me see whatever dentist I want, but I just found out that there's a max of $1,000 per family member per year. I recently took my 4 year old for a checkup, and the dentist wants to do $2100+ worth of work. My husband and I are afraid to have our teeth looked at, and we KNOW we need dental work. I'm getting a 2nd opinion on the 4 year old.

mary / June 8, 2009 3:31 PM

Not very well since our insurance gets worse and worse at work every year. Now I'm down to basically "only use if you get hit by a bus" medical insurance due to the cuts. Ironically there is a decent life insurance component included, and I am worth more dead than alive.

I have myself covered well via auto and renters.

Emily / June 8, 2009 4:04 PM

I have BC/BS PPO for health/dental/vision, which is ridiculously awesome. It covers just about everything and my costs are pretty minimal. Anything that covers chiropractic visits as basic 'office visits' is gold in my book. I also have renter's insurance, scooter insurance (totally worth it with the way people park in the city), and short-term disability for my roller derby habit.

tk / June 9, 2009 10:08 AM

Really well. And I trust it as long as I don't use it! We're both self employed, and thus self insured. We've got BCBS with a really affordable premium but a humongous ($7500)deductible. Of course, I mean that the premium is really affordable today. In the three years that we've been self insured, premiums have gone up between 10 and 15% each year. According to customer service, that has nothing to do with usage (which is good, because we barely touch it); there are just regular "across-the-board" increases. Every year. AND I'm informed that every time one of us hits a 5 or a 0 birthday, we can expect additional increases. At that rate, our premiums will be doubling about every 6 years! And I live in abject fear of what would happen to our costs if one of us actually did get sick or injured; as far as I know, there's absolutely nothing preventing the company from increasing our rates exponentially -- or even dropping us all together -- if we became a "bad risk."

What do the other self employed folks out there do?

As for other ins, we've got car & house, and keep talking about getting life and long-term care.

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