Archive for February, 2008

Health insurance and agents

Welcome back! Sorry about the January hiatus. It was a crazy month!

I read an interesting article about real estate agents and their lack of health insurance. Seeing as we are all independent contractors, we are not covered by our companies. When I owned my graphic design studio and worked as a freelance designer, I encountered the same thing. You had to belong to a professional organization (I joined the local Chamber of Commerce) to be able to obtain health insurance under their plan. Due to the fact that I have MS, I have to have insurance.”Nearly 30 percent of NAR members lack health insurance, and cost is the primary reason – 84 percent of REALTORS who do not have coverage say they can’t afford it.” (NAR)

I remember over 10 years ago, the membership to the Chamber was $300 a year + my health insurance. A pretty big nut for a single person who is supporting herself. If I had a family then . . . I can’t imagine.

This is a scary statistic in this day and age. I am fortunate to be able to fall under my husband’s plan, but for those agents who are unmarried or cannot use their spouse or partner’s plan, the cost of insurance is looming.

Around the beginning of the new year, I received a call from the pharmacy that sends my medication for my MS. It is a 1 time a month IV and it gets sent from a pharmacy in TN. They usually just call my Dr. but they called me and the woman, very nicely tells me, “Hi Keli. I was set to send up your meds and I see you terminated your insurance.” WHAT??? “No, there is a mistake. There was no termination. I don’t know what you are talking about,” I tell her.

“I’ll look into it and call you back,” she says. I figure, it is the new year, something is screwy. She calls back a few minutes later. “I looked into it and called your insurance company and your husband’s employer canceled the policy.” I sat there in stunned silence. The kicker? My husband is the employer! So I told her no way.

Anyway, long story short, the insurance company discontinued that policy and because there wasn’t an equivalent one to put us into, they canceled us. On top of everything, my brother in law’s wife had a c-section on Jan. 2 and they had canceled our insurance on January 1! She told me I could pay for my medication and get reimbursed. Uh, let me think about that. How about, NO? My meds are about $2500 a month.

Anyway, we got that straightened out finally, after almost 2 1/2 weeks. It turns out our new policy saves up quite a bit every year, but I blame the liason for the group my husband has his insurance thru. Why didn’t he tell us that the policy was discontinued or tell us of other alternatives? There is a serious breakdown in communication and I think that is common with insurance.

I would love to hear others’ stories.

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