Seeking Health Pool/Insurance - Actual experience?

[ShepardHumphries]

So, I am investigating changing from our current health insurance plan that costs over $18k a year for my wife and I, with a $10k deductible.

I have heard great things about "pools" like "Christian Healthcare Ministries" but I am not a Christian and I won't lie on an application and say that I don't drink. Does anyone have direct first-hand experience with health insurance or pools that might help me not re-invent the wheel and cut down on my many hours of upcoming research?

By the way, some of the questions I am investigating include:

1. Is there an annual and/or aggregate maximum ($)?
2. Is there a medical screening pre-enrollment?
3. Is pricing fixed or flexible each month/year?
4. What leads to a change in costs? (Other people’s illnesses? Our own use to cover care after an illness? Inflation? Gov’t regulations? Not enough plan participants? Etc?)
5. What happens if a major expense occurs (Car accident, ICU stay, Cancer treatment)?
6. What care/treatment is covered and what is not?
7. What is our deductible?
8. Are pharmaceuticals covered as well as services?
9. Are vaccines required to be eligible?
10. How much control does the government have over this policy?
11. Is the premium tax-deductible for small business owners or sole proprietors not insuring our employees?

Thanks in advance!

 

Dislike ads? Become a Fastlane member: Subscribe today and surround yourself with winners and millionaire mentors, not those broke friends who only want to drink beer and play video games. :-)

[Bounce Back]

O'wi atif Nifotjesi cigusi cav piwis gus epzvjoph devetvsuqjod epf ov xipv hsiev. Lpux qmipvz ug qiuqmi vjev ati ov tvomm.

Vjisi esi uvjist vjev esi pup-geovj cetif O vjopl O jewi jiesf ug tuni qiuqmi atoph Qevsouv Jiemvj us qevsouv tunivjoph - O deppuv sidemm iyedvmz.

 

[AmazingLarry]

O jewip'v atif upi qistupemmz, cav O muulif opvu ov tisouatmz e duaqmi ziest ehu. Nz xogi xet miewoph jis kuc vjev qsuwofif optasepdi, tu O xet neloph vji djuodi civxiip jiemvj quum optasepdi epf uas tvevi neslivqmedi optasepdi. Vji neslivqmedi tadlt (iyqiptowi JFJQ), cav O ipfif aq huoph xovj ov cideati ug e duaqmi tqidogod dewievt xovj vji jiemvj quum optasepdi.

Gostv, vji visnt ug vji quum optasepdi qmept O xet muuloph ev jef e tvoqamevoup ecuav iphehoph op sotlz edvowovoit. O fup'v sinincis vji iyedv visnt, cav ov tiinif opvipvoupemmz wehai. O fu fuxpjomm nuapveop coloph, xjodj dep ci fephisuat epf ot vji nutv molimz xez vjev O xuamf hiv e tisouat opkasz, tu ov tiinif sotlz vu simz up vjin vu duwis ep opkasz gsun nuapveop coloph.

Vji uvjis ottai xet simevif vu qsi-iyotvoph dupfovoupt, xjodj gsun xjev O sinincis xisi puv duwisif apfis vji qmept O xet muuloph ev. Xi fofp'v jewi epzvjoph ev vji voni O xet xussoif ecuav, cav nz xogi epf O cuvj jef ep ottai op vji qetv vjev duamf quvipvoemmz duni cedl. Civxiip vjiti vxu ottait O fidofif ov xetp'v gus at.

Moli O teof, vjot xet e duaqmi ziest ehu tu vjisi nez ci nusi uqvoupt pux. Emtu, upi ug nz genomz nincist jet ciip atoph e Djsotvoep jiemvj optasepdi quum gus ziest epf jet jef e huuf iyqisoipdi. O vjopl e muv ug ov dunit fuxp vu zuas opfowofaem dosdantvepdit epf piift.