About Me
Name: Kelly Wolske

Maryland born, Florida raised, and transplanted to the Mojave for the love of my husband. Big Red's wife, Tele's mom, part time student. Child of God, Christ follower, United Methodist in exile. More than anything I strive to hear His voice every single day.

My Complete Profile


Links
Chocaholic Pachyderm
The Journey We Call Faith
World Magazine
Feminists for Life
Libertarian Christians?

Photos
www.flickr.com

Recent Posts
Remember Richard Scarry?
Just a little light reading... On the Border of M...
Can't we all just get along? Ok, the Wolske boys ...
Can you grieve the loss of someone you never met? ...
So, you want to convert from Islam to Christianity...
Sleeping Beauty.
Our New Baby...
Flickr
All the beer I want, but no shopping... Man I lov...
I am comtemplating hostility this afternoon. Actu...

Archives
02/01/2004 - 03/01/2004
03/01/2004 - 04/01/2004
08/01/2004 - 09/01/2004
09/01/2004 - 10/01/2004
06/01/2005 - 07/01/2005
09/01/2005 - 10/01/2005
01/01/2006 - 02/01/2006
02/01/2006 - 03/01/2006
03/01/2006 - 04/01/2006
04/01/2006 - 05/01/2006
05/01/2006 - 06/01/2006
06/01/2006 - 07/01/2006
07/01/2006 - 08/01/2006
08/01/2006 - 09/01/2006
09/01/2006 - 10/01/2006
10/01/2006 - 11/01/2006
11/01/2006 - 12/01/2006
12/01/2006 - 01/01/2007
01/01/2007 - 02/01/2007
02/01/2007 - 03/01/2007
03/01/2007 - 04/01/2007
04/01/2007 - 05/01/2007
05/01/2007 - 06/01/2007
06/01/2007 - 07/01/2007
07/01/2007 - 08/01/2007
09/01/2007 - 10/01/2007
10/01/2007 - 11/01/2007
11/01/2007 - 12/01/2007
12/01/2007 - 01/01/2008
04/01/2008 - 05/01/2008
06/01/2008 - 07/01/2008
07/01/2008 - 08/01/2008
09/01/2008 - 10/01/2008
10/01/2008 - 11/01/2008
11/01/2008 - 12/01/2008
12/01/2008 - 01/01/2009
08/01/2009 - 09/01/2009
09/01/2012 - 10/01/2012

Blogrolls
Blogging Chicks []


Christian Women Online
Blog Ring

Join | List | Random


Photobucket - Video and Image Hosting

Click here to join
Credits
Blog Design by:


Image from:
istockphoto

Powered by:


Meter:



Miscellaneous
Reading: The Pilgrim's Progress
Project: Sewing/ craft corner







Tuesday, March 28, 2006
Exploring Individual Health Insurance...

Being married to a musician has some pretty cool perks. Free tickets to Mystere, backstage passes, name-dropping potential (not that I do this). Shoot, I even get laundry and the occasional hot meal out of the bargain!

What we don't have, however, is an employer-sponsored health plan. And until I finish school, it is highly unlikely that one will appear. We have been gambling the last 9 months and, knock on wood, have won. I have a couple of minor health concerns and am not too comfortable with the financial roulette we are playing. As far as pre-existing conditions go, I am ok (as far as NV state law). I haven't needed treatment for several years.

In my research for an HSA- elgible plan, I have come up pretty dry. I know somewhere out there there must be a PPO model that is HSA- friendly. I just haven't found one yet!

What I have found is a Health-Sharing plan. In particular, I have found Medi-Share, which is a non-insurance alternative. It brings Christians together to share medical expenses. Basically, the monthly "premium" is actually a share of your own or someone else's medical expenses. There are two plans, with deductibles and the like. The difference is that it is not underwritten by some corporation, but by the members themselves (or together, rather).

We still have to sit down and crunch the numbers, but this option appeals to me on a couple of different levels:
1) There is a certain level of accountability-- Medi-Share aims to encourage healthy, Biblical lifestyles. I am not sure if I understand the completely, but they don't allow smoking, illegal drugs, or alcohol "abuse." There is also a clause about excessive weight gain.
2) When you pay your share, you are also asked to pray for concerns of the community. You will know specifically who has a need at any giving time, and even send notes of encouragement.
3) The plan is affiliated with Beech Street PPO, and affords the benfits of discounts, penalty waivers, and so forth.

I know this is not ideal. Right now, however, we are keeping open minds and exploring all our options. Be it HSA, or health-sharing, our goal is to have something in place, and soon.

  posted at 6:07 PM  
  0 comments



0 Comments:

Post a Comment

<< Home