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The process and cost of buying health insurance

3/25/2020

 
Kelly Drive
I try to keep this real estate / business related and having your own health insurance is part of being a Realtor / business owner. It is now becoming the reality of many people who have been laid off this week or were let go do to the state of the economy. I am not in health care field or insurance field so I'd contact the appropriate parties before moving forward. This is just how I did it. 

Getting started:

I had no idea how to get started. I had the Cobra plan from my old employer but that was looking like a payment of at least 500/month. My real estate plan that my brokerage offers is atleast 562/mo. I do not really go to the doctor or take prescriptions I just needed a plan incase crap hit the fan, dental, and a physical every year. A lot of people fall in this boat and others need a lot of prescriptions/frequent hospital visits. Having Independence Blue Cross and Blue Shield insurance before I went to their website: https://www.ibx.com/individuals/find_plan/index.html . You will find the below page:

​
Health Insurance
Next I went to individual plans, then shop now, then see if I am eligible. So if you start going through this or talk with someone they will tell you The Period for Open Enrollment is closed! However losing coverage or a job is a "life event" and you will be eligible to enroll. 

You then will click apply now and answer some personal questions and it will select a list of plans for you to choose from. There were 20 some plans but the below is just an example of what you will see:

Insurance Plans
For me I didn't need much as stated earlier. I would highly suggest calling them, some people are eligible for a credit from the government based on certain factors that a representative could explain. For me my plan worked out to 

$302.00/mo 
$33.00/mo for dental. 

$335.00/mo total

I think that is an amazing deal for a plan with dental. I have heard of other people going through other suppliers and getting better rates so shop around. This is what worked for me. ​

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    Matt Tallent is a Realtor with The How Group. His passions include rental property investing and helping others achieve their real estate goals.

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Matt Tallent is a real estate licensee affiliated with Compass RE. Compass RE is a licensed real estate broker and abides by equal housing opportunity laws. All material presented herein is intended for informational purposes only. Information is compiled from sources deemed reliable but is subject to errors, omissions, changes in price, condition, sale, or withdrawal without notice. No statement is made as to accuracy of any description. All measurements and square footages are approximate. This is not intended to solicit property already listed. Nothing herein shall be construed as legal, accounting or other professional advice outside the realm of real estate brokerage.

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