[quote=bsrsharma]I started consulting nostra, What do you do for health insurance? Can you please recommend some good plans for someone wanting to go contractor? Thanks[/quote]
bsrsharma, I am a contractor now and I am with Aetna Advantage Plan, for three years now. It is a PPO with $5K deductible if I land in the hospital, plus 20% of the balance up to $8K out of pocket per year, then 100% paid. It has a $40 co-pay for a primary-care physician and a $50 co-pay for a specialist. However, any preventative health is 100% paid. Generic drugs are $12 and name-brand drugs are $27, I believe. Pregnancy is not covered. You can choose any doctor you want to see. I pay $192 per month but I am old. A young person would pay as little as about $110 for the same coverage.
The qualifications for this plan were rigorous, however. They reviewed my entire medical record and sent a Scripps nurse with machines to my home to perform various procedures, including weighing and measuring me and taking photographs of me (several views).
They also have HSA compatible plans. I am not concerned about the deductible because I can usually cut hospital bills down after the ins. co. pays their portion. It is the lesser of the two evils.
IMO, this is the best deal out there. I don’t know if any of the new laws will prevent an applicant from having to go through what I did to obtain the policy.
I AM concerned that my rates will go way up next year when they have to lower their standards for admission due to the new health care bill passed by Congress. Many persons in my age group are cancer survivors or former drug abusers and smokers who have chronic health conditions.
