Palmetto Proving Grounds

Good luck. The whole system is a racket. I had a HSA (?) Plan when I got out of school. High deductible, mine was 5k, that has to be paid before any benefits were received. No copay on docs or Meds. You could put the deductible amount in an account an write it off on taxes though. That was the cheapest monthly payment plan o could find. 135ish a month. Anything with copay benefits was atleast 180 and then it only covered percentages of everything with a pretty high deductible per accourance.

Im self employed and its cheaper ($130ish) for me to get my own policy through blue cross than get added on my wifes. If your younger and healthy you will get a pretty good rate.

I have BCBS and pay around 450.00 a month. 1000 deductible 90/10 5000 max out of pocket 35/65 copay with drugs. Don't have dental though. I'm 44. I do get a 6% discount by having it taken straight out of bank account. Pretty good plan and I have had it for about 7 yrs. Premium goes up as you get older.

If you don't have insurance but get prescriptions filled, a friend told me about this:
http://getyourfreeprescriptioncard.com/
She said she saves a lot of money every month on her prescription drugs.
Discount card is free, just print it and present it when you pay.

There's a link for a pharmacy locater and for drug prices on the site so you can find the best prices before heading out.

Which is the racket part and what business are you in?

I am an agent. I represent several companies including BC/BS. As long as you are in SC I can help you. You can call me at 240-6212.

As long as you are attacking the insurance part. Kind of like me saying the construction company/ real estate brockers are a racket because they will take less to sell my house and sell it as quick as possible but hold out for longer if they are selling their own house. Or the builder that built the house charged a higher price for premium "products or workmanship", however actually did a crappy job that I don't find out until it falls apart or leaks, and he has already skipped town with the money and I can't recup my cash or sue and am left holding the bag for 20k in repairs.

But I guess I should really clarify and say I should be pissed at the insurance company that after 10 years of paying for home owners insurance and never having a claim, the one time I actually have a claim, they raise my rate, or then drop me all together.

So what you are saying is, you work for an insurance company but have never really had to extensively deal with the industry as a whole in a personal situation? I have built, bought, remodeled and sold a lot of houses personally, so I am not dealing with hypotheticals here. I have had good experiences the 15-20 times I have had to deal with home insurance as well. I will agree that the rate increases can be a pain, but who didn't see that coming driving down the street and every other house is getting a new roof.

In your examples, 1- I don't do general real estate brokerage, but no one forces you to sell your house for 20k less (unless it's the bank). That is a personal decision. Someone holding out to get more would have nothing to do with the industry they are in. 2- most builders offer a one year warranty on workmanship, and SC has laws in place to protect home owners for well longer than that against structural issues caused by breech of contract or poor workmanship. So you would have have every right to sue. However, I am not acting like there are not some terrible situations that happen in Real Estate because there are. I see them almost daily. Unfortunately due to the people that are in them, every industry has shady situations and people get hosed. I am just saying from personal experience and from talking to people over the course of my life (including many friends that were recruited out of college to work for health insurance companies and no longer do for the mentioned reasons) that health insurance as an whole leads the pack. The only 2 people I have ever met that have great things to say about health insurance are the people who don't have to pay for it and the people who sell it.

Nm. This is not the place for this discussion and I can see from your last reply we are venturing closer and closer to "yo momma" jokes and armpit noises. Good luck.

Don't know either but, while we're at it...what I pay for health insurance every year for my family is absolutely absurd. I looked at it the other day and it's just ridiculous. And that's through a group plan. The system is broke. I wish I had enough money to just put my whole family on a high deductible plan and just roll with it. The risk is too great though.