Am I crazy?

JabbaJawz

JabbaJawz

Be about it
Originally posted by pixiegirl
Right now I pay $170 a month for a crap HMO. Can't get too much worse then that I'd think.:confused:
Click to expand...

At my previous job I paid $170/month for a good PPO (employee + 1 plan).

Dean has awesome insurance and we pay $30/month for a great PPO (me, him and Mac - family plan). That $30 includes medical, dental, and vision for all of us. Giant sucks as an employer in many ways, but they do have an awesome insurance plan.

At any rate, I think getting insurance outside of an employer is definitely going to run you more than $170/month - but I'm not completely savvy on all that so I could be wrong.
 
K

Kain99

Guest
You only have One Life to Live. Do what you love! You'll be happier and healthier for it! :wink:
 
sleuth

sleuth

Livin' Like Thanksgivin'
Originally posted by laureng
Heck no you didn't!
Click to expand...

Look at it this way...
At her age, Pixie isn't likely to have any major health problems unless she has a serious car accident or something, so taking a high deductible is not a bad thing, because the likelihood that she'd need it anyway is low.

As she gets older... that changes a bit...
And the little one throws a monkey wrench in there too.

Like I said, for me, it was just a temporary thing until I found employment. But it is "better-than-nothing" if there's nothing else available.
 
vraiblonde

vraiblonde

Board Mommy
PREMO Member
Patron
Not sure what the requirements are these days to take your boards and become a licensed cosmetologist. Back in the day, MD required 1750 hours (I think) of instruction - it's less if you just want to do nails. You learn hair, nails, cosmetic application and take some chemistry. You will fingerwave dummy heads until you're ready to kill someone. You will be better at it than your teachers - the old saying, "Those who can, do. Those who can't, teach" was born in beauty school.

By "nails" I mean manicures - nail tech is a separate profession and it would be worth your while to take the extra schooling and get licensed in that, too.

The type of pay situation depends on the shop. Some let you rent the chair and you keep whatever you make - if you're good, this is an incredibly sweet deal. I think the $8 haircut places pay you an hourly plus tips. Other shops have a different setup.

You probably won't get benefits BUT do you really need them? Think about it - unless you have a pre-existing that requires regular medical care, you're better off buying a catastrophic plan for $50 a month and paying your own medical bills. That way any major medical is covered, just not routine doctor stuff.

As someone who made a major career change in my early 30's (with two dependents, no less) the WORST thing that will happen is that you'll have to get another job. Big deal. As a single mother, you can also get a Pell grant or something to help you with your tuition costs.

You have nothing to lose. I say go for it!
 
JabbaJawz

JabbaJawz

Be about it
Originally posted by vraiblonde
You probably won't get benefits BUT do you really need them? Think about it - unless you have a pre-existing that requires regular medical care, you're better off buying a catastrophic plan for $50 a month and paying your own medical bills. That way any major medical is covered, just not routine doctor stuff.
Click to expand...

This would concern me because routine trips to the doctor with a child can really add up. Add the cost of blood work, hospital stays, fractures, etc... and you're paying a load. :shrug:
 
SxyPrincess

SxyPrincess

New Member
Originally posted by laureng
This would concern me because routine trips to the doctor with a child can really add up. Add the cost of blood work, hospital stays, fractures, etc... and you're paying a load. :shrug:
Click to expand...
:yeahthat: I'm always in/out of the doctors or hospital for numerous medical reasons. There is NO WAY I could afford to NOT have insurance. :nono:
 
JabbaJawz

JabbaJawz

Be about it
Originally posted by SxyPrincess
:yeahthat: I'm always in/out of the doctors or hospital for numerous medical reasons. There is NO WAY I could afford to NOT have insurance. :nono:
Click to expand...

Yeah, it's just way too risky. You just never know what could happen and when you'll need it. If you don't have lots of $$ sitting around in savings for it, it's better to ensure you're covered.
 
mainman

mainman

Set Trippin
Originally posted by SxyPrincess
:yeahthat: I'm always in/out of the doctors or hospital for numerous itchy rashes and other things that I dont wanna get into. There is NO WAY I could afford to NOT have insurance. :nono:
Click to expand...
:bubble: sorry I couldnt resist...
 
pixiegirl

pixiegirl

Cleopatra Jones
Well crap, that didn't work. Anyway, looks like I can get a PPO with a $1500 deductable for less then I'm paying now. The company also has an A.M. Best rating of "A" which means they're not crap.
 
vraiblonde

vraiblonde

Board Mommy
PREMO Member
Patron
Originally posted by laureng
and you're paying a load.
Click to expand...
But will it be $200+ a month, EVERY month? The only one who can crunch those numbers is Pixie.

As far as your hourly average goes, you will also learn to multitask like you've never done before and successfully manipulate more items with one hand than most people could do with three. It's not inconceivable that you'd have a perm, color and haircut going at the same time.
 
JabbaJawz

JabbaJawz

Be about it
Originally posted by pixiegirl
Well crap, that didn't work. Anyway, looks like I can get a PPO with a $1500 deductable for less then I'm paying now. The company also has an A.M. Best rating of "A" which means they're not crap.
Click to expand...

Sounds like a good deal, then!
 
vraiblonde

vraiblonde

Board Mommy
PREMO Member
Patron
Health insurance is like some Soviet gulag - it holds you hostage and prevents you from living your dream.
 
You must log in or register to reply here.
Top