[TriLUG] OT: NC insurance options

[Michael Kimsal]

On Fri, Mar 30, 2012 at 10:02 AM, <matt at noway2.thruhere.net> wrote:

> Th is about half of what I am paying for just my wife for BCBSNC.  I have
> an odd situation where I get the State Health Plan, which covers 100% of
> my premium, but 0% of my wife.  What's worse is that I get to buy hers at
> full retail cost, there is no volume discount for having tens of thousands
> of employees.  The deductible we have is almost $3K, after which we pay
> 30% up to an $11K co-insurance maximum.  This is what the media likes to
> call a "Cadillac health care package", though I think the Cadillac they're
> referring to is the one that ran over me, backed up and hit me again.  The
> individual deductible and co-ins max aren't nearly as exorbitant.  It was
> clearly designed with the idea that your spouse would work somewhere and
> get their own, but my wife is self employed.
>
> You are deducting those premiums on her taxes, right?  While it's not
*great*,
every deduction helps.  Strangely, I've talked to a few (newly)
self-employed people
who didn't realize they could deduct that.  IANACPA, etc...



> What's worse is that when my co-workers have gone to use it, payments of
> around $400 - $500 up front and in advance have often times been demanded
> from them.
>
>
-- 
Michael Kimsal
http://michaelkimsal.com
919.827.4724