>>I don’t want to join CA Covered because it’s ObamaCare. <<
For now, take care of your family. It was obozocare that put you behind the 8 ball so it is no shame to use it to get out from it.
Just plan that it will go away in 2 years. That gives you time to get an employer that can take care of things correctly.
The clock starts now.
Ping for help
Get everything that needs to be taken care of while you have insurance. Then, go commando, no coverage.
For $20 plus thousand you can have lots of stuff taken care of. Cash. Look for a concierge doctor. Or, just go to the local walk-in clinic. (Here, in Florida they cost about $250/visit.)
You won’t be covered if you need your arm sewn back on, but the chances of needing catastrophic care before Obamacare bites the big one (in 2017, I hope) is probably slight.
The absurdity of the Obamacare prices are that each of us now must spend the equivalent each year for a new car just for “coverage.” Very few can afford that. Obamacare will crash and burn and we will go back to something saner.
What is wrong with Kaiser? They do give great care.
The Leftist media couldn’t write enough stories about the $600 toilet seat bought by the Defense Dept., but they aren’t interested in writing about the $2500/ObamaCare family policy or the cheaper one that comes with a $12,000 deductible. They actually must think Middle Class workers have that kind of money, but they are so wrong.
You might take a look at this:
http://samaritanministries.org
It would be on my short list of things to consider if I lost my insurance, but it might not apply to you.
Insurance is regional, even within CA, so you might as well go to coveredca to see what is available, and for how much, then go buy from the insurance company directly.
Aint life great now with obamacare??
Self Employed, I carried Catastrophic Care Insurance from Blue Cross for my Wife and I and my 25 yr old daughter. It had a $10,000 deductible with 100% coverage after deductible satisfied up to $5 Million and was $200 per month, when Obamacare was passed it went up to $300 per month. In October last year before Obamacare took effect, They Cancelled it because of the Obamacare Mandates. They offered me a new Policy with a 60% CO-PAY and a $7500 Deductible for a REDUCED rate of $900 Per Month.
Needless to say WE DO NOT HAVE HEALTH INSURANCE anymore. So I pay to go the Doctor, which is fine I have been doing that all along. I have quite a few Doctor Friends that will perform many minor procedures in their living room for me, stitches,broken bones,..Should something MAJOR come up I have $50k in the bank for medical expenses and WE will be on the First Plane to OKLAHOMA for Care. NO I DID NOT PAY THE FINE and NEVER WILL, I am self employed and the LAW does not allow them to come after me, they can only Attach a TAX REFUND, which I do not get.
see http://www.surgerycenterok.com/
Currently I am in the process of REDUCING my TAXABLE INCOME as much as possible in order to NOT FEED THE WELFARE CLASS. I have cut down my income from almost $200K to $75K and will go far enough to qualify for FOOD STAMPS next Year. I am doing this INTENTIONALLY.
Come January I will transfer ALL PROPERTY WE OWN into an LLC just so that I have No Attachable Assets.
I do not carry ID EVER, should I be in an accident that requires immediate care at the “Emergency Room” my name is Jose Smith and I am an Illegal Alien.
I strongly encourage everyone to do the same.
If you can go through a clinic ,you most likely will be eligible for a discount.For example at UCSF,
I was able to get a steep discount of nearly 80% (though this was years ago) and many of the hospitals will give you a discount you need to ask and speak with their financial services and you may be eligible for Medi-Cal.
Please don’t be ashamed to use those services.All the illegals get their medical services covered and also walk away with additional services and still ask for more
If it’s not emergency care, consider medical tourism.
There are some very talented specialists and good hospitals in other countries.
The problem is emergency care. But even there, you will be charged less if you have no insurance than you will be if you have insurance.
We’re also in California, and I’m afraid I don’t have advice on choosing insurance because we’ve been with the Kaiser HMO for 12 years now. If you don’t have a particular issue with Kaiser, I wouldn’t cross that off your list of options. We have been *very* happy with their service, in general. If you’re interested, PM me and I can give you some tips on dealing with them.
Encyclopedia of Medicinal Plants by Andrew Chevallier
Become an immigrant..... They get free stuff while you the American have to pay.
California pushes to expand immigrant health care
http://www.freerepublic.com/focus/f-news/3232280/posts
We had Kaiser up until a few years ago. The cost was getting so high we had to quit, well over $1,000/month for 3 and it had high deductable.
Best thing we ever did was join http://www.chministries.org/
Much better coverage, lower cost, has covered our medical needs much better than any insurance we had and you choose your own doctor and you can completely avoid the obamacare mess.
If you are an active Christian you really need to check it out or a similar Christian co-op.
If you have any questions, message me.