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Anyone carry independent health insurance policy not from employer?

becca2325becca2325
in Success after IF

My DH and I are considering buying our own health insurance policy independent of my employer. He runs his own freelance business and I don't plan on going back to work for at least 6 months after the baby arrives. We're trying to avoid the lofty $700 per month Cobra payments when I leave. Anyone have decent healthcare coverage for your family thorugh a self-insured plan?

 I have always carried employer-provider health insurance and afraid I'll have to pay a ton each month and get crappy coverage.

 

TIA!

 

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Re: Anyone carry independent health insurance policy not from employer?

  • dusk42dusk42

    DH did for a while, and the coverage/fees were fine.  I know some people do this for their kids because it is cheaper to insure them separately than add them to company plans sometimes.  

    However, when I looked into it last year, any plan with maternity coverage was astronomically expensive, so DH's plan was cheaper. 

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  • madhatter2003madhatter2003

    My parents do, but I know when you add maternity type coverage the fees go sky high....I had coverage after college on my own but without maternity coverage. It was ok. I got it through BCBS, call your insurance person and have them run a few numbers for you.

     

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  • Demi0716Demi0716
    DH is self-employed and I am currently a SAHM mom and we pay more than that for good private haalthcare.  If you want cheaper than that for a family, it will be either a carrier that doesnt have most of your reg drs or there is a large deductible.  Every states premiums are different though, but this is what I have found from working with and without an insurance agent.
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  • lckytabby3lckytabby3
    I did for awhile after college.  I went though my college for thier alumni plan.  I went to Purdue so it was a large school but it was pretty good.  I didn't look into maternity coverage and all that though.  I know it was a lot cheaper then trying to go out and find something on my own. 
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  • Mrs.GreenieMrs.Greenie
    I am paying $400/month cobra through the rest of the year. (figured I would keep it since I have paid out of pocket max for both me and baby) In Jan we are doing a independant one for Me and Carter (DH has his own) through IHC for about $200.00/month
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