Hourly Consultant and Health Insurance
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
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the full quote "Australia is a lucky country, run by second-rate people who share its luck" David Horne 1964. for some reason us kiwis find it highly amusing....i wonder why ;) Bryce
--- To paraphrase Fred Dagg - the views expressed in this post are bloody good ones. --
Publitor, making Pubmed easy. http://www.sohocode.com/publitorOur kids books :The Snot Goblin, and Book 2 - the Snotgoblin and Fluff
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$50 a month each for complete private cover, covers hospitalisation, surgery, glasses, chiro, dentist etc etc etc. Australia, the lucky country :)
System.IO.Path.IsPathRooted() does not behave as I would expect
No kids ? We pay a ton more than that.
Christian Graus - Microsoft MVP - C++ Metal Musings - Rex and my new metal blog "I am working on a project that will convert a FORTRAN code to corresponding C++ code.I am not aware of FORTRAN syntax" ( spotted in the C++/CLI forum )
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No kids ? We pay a ton more than that.
Christian Graus - Microsoft MVP - C++ Metal Musings - Rex and my new metal blog "I am working on a project that will convert a FORTRAN code to corresponding C++ code.I am not aware of FORTRAN syntax" ( spotted in the C++/CLI forum )
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Christian Graus wrote:
No kids ?
Nope, basic singles cover for each of us. hers does cover obstetrics should a little accident occur
System.IO.Path.IsPathRooted() does not behave as I would expect
Josh Gray wrote:
little accident
Little? I personally like to think of it as a potential *MAJOR* accident :)
"For fifty bucks I'd put my face in their soup and blow." - George Costanza
CP article: SmartPager - a Flickr-style pager control with go-to-page popup layer.
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
With that kind of premium I'd would just not smoke and hope for the best ;P (Save the 700pm and do something useful with it after a few years ;))
"For fifty bucks I'd put my face in their soup and blow." - George Costanza
CP article: SmartPager - a Flickr-style pager control with go-to-page popup layer.
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
nullGumby wrote:
$700/mo.
They withhold 700$ of your paycheck each month for health insurance? :omg::eek::wtf: I have health insurance here at work on top of my paycheck, so I don't know how much they pay. I also have another healt insurance on my own which is at this time 8,55€/month. I've seen the rates for people older then 65 which was about 300€/month. I think you need to negotiate that again.:)
V. I found a living worth working for, but haven't found work worth living for.
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
Golly it is expensive. We've got the NHS in the UK which is very good, free (well paid by tax anyway) if somewhat a little slow. I also get healthcare (bupa) from my employeer and I've added my kids on for £18 a month which I thought was a bargain.
Grady Booch: I told Google to their face...what you need is some serious adult supervision. (2007 Turing lecture) http:\\www.frankkerrigan.com
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
gumby - where are you? US? Seems very high for just the two of you. Are you 1099 or W2? I'm assuming you are in the US.
Charlie Gilley Will program for food... Whoever said children were cheaper by the dozen... lied. My son's PDA is an M249 SAW. My other son commutes in an M1A2 Abrams
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which country? Bryce
--- To paraphrase Fred Dagg - the views expressed in this post are bloody good ones. --
Publitor, making Pubmed easy. http://www.sohocode.com/publitorOur kids books :The Snot Goblin, and Book 2 - the Snotgoblin and Fluff
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gumby - where are you? US? Seems very high for just the two of you. Are you 1099 or W2? I'm assuming you are in the US.
Charlie Gilley Will program for food... Whoever said children were cheaper by the dozen... lied. My son's PDA is an M249 SAW. My other son commutes in an M1A2 Abrams
Yep, in the US. I'm W2--but hourly. And I know this is expensive; since I'm hourly with this consultant company it's more expensive...I could've chose salary and it would've been less--but I didn't know my wife would be leaving her company to go back to school. :~
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
I recently converted to a full time employee with Monsanto, who heavily subsidize the cost of insurance. (I have some of the best coverage in the world for about $150/month, and that covers my wife and 2 kids as well.) Anyway, as a consultant recently, I was paying about $400/month for crappy insurance. That's my biggest complaint about the U.S. Cost of insurance is rediculous.
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
Shop around. I am a consultant as well but I pay for my own insurance and my rate is $180 a month for just me. On an aside, my health insurance company, Blue Cross Blue Shield of Florida has terrible customer service. They are unable to do ACH from Wachovia bank but were also unable to tell me about it which put me behind almost immediately, however the accept checks from Wachovia and checks by phone from Wachovia? So I don't go off completely with a complaining post, Wachovia is an awesome bank!
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Golly it is expensive. We've got the NHS in the UK which is very good, free (well paid by tax anyway) if somewhat a little slow. I also get healthcare (bupa) from my employeer and I've added my kids on for £18 a month which I thought was a bargain.
Grady Booch: I told Google to their face...what you need is some serious adult supervision. (2007 Turing lecture) http:\\www.frankkerrigan.com
Of course in the UK your gasoline taxes (and perhaps other taxes) are higher to compensate. The healthcare here is out of hand and getting worse every year. My insurance hasn't been great for awhile. At my previous employer I was on a 90/10 plan. My new employer is an 80/20. That essentially means you are responsible for the second percentage which they call co-insurance. On hospital stuff you also have a deductible -- ours is $500. And other things, the things not covered by a deductible generally, are subject to a co-pay (for example, any office visit is going to be $25 out of pocket). My premimums for family insurance are $79 a week ($316 a month and $4108 a year). My wife just gave birth to our first child -- a girl. We are going to be out just over $1500 for it. At least the end of year child tax credit will get me back $1000 of that. On the other side of the coin, our healthcare quality is really good. The service is top notch not just from the hospitals and family doctors, but from Blue Cross Blue Shield of Georgia (BCBS).
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Sooo...I just switched consultant companies. I'm hourly now which is great, but this company is talking about over $700/mo. for health insurance for my wife and I. What are you other hourly's out there doing for insurance?
-- "stop thoughting; start thinking, and quit trying to predict unpredictable thinking" - dMoney (2005)
At that rate, they are probably not subsidizing your health care, so you might want to check into doing it yourself. Maybe you can find something cheaper. Being an independent consultant, you usually make much more than FT employees, so the 8K/year is negligible.