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Freelancers: Do you have any medical insurance?



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Freelancers: Do you have any medical insurance?

Do you have any type of medical insurance? We as freelancers usually don't reap the benefits of a "real full time job" so we don't get vacation leave, medical, dental, or paid leave. So I'm wondering if you invest in any type of medical insurance policies.

Do you save up money in case you were to get ill, or if a family member were to get ill? I have experienced having no insurance and being sick, and lets just say that it was so costly but thankfully I had enough saved up but these savings came else where and not from my medical savings so that put a dent in my savings.

Have you looked into getting medical insurance while being a freelancer? If so, what type of insurance policies were you looking at, and how did it go? Also, don't think that you won't get sick, and therefore have no need to buy a medical insurance policy, I thought that too, and it back fired! Lol.

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Lynne

Well the medical we can receive from our government here in South Africa is just not sufficient or good enough. Yes people that are unemployed get by, sure.

I wouldn't mind waiting for hours in a government hospital to be seen but I have kids!

Medical bills can be hectic and there are always unforseen expenses. A good example is my daughter landed up in hospital for a week when she was just 6 months old. We have full medical insurance for our family. That hospital stay cost us nothing extra because our medical insurance covered everything.

Yes we pay a lot every month for medical insurance but when you have kids it is the best way if you can afford it.




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Everett

Yes, I was a little concerned about creating this topic because of the freelancers out of my country which is the US. I think in the US you can be fined if you don't have medical insurance, I'm not sure of the fine but I think it's ridiculous nonetheless. A lot of countries actually have better health insurance than the US does. Here the health premiums are so very costly you're just better off to die, or get assistance by the government, seriously.

I think I may go through a government insurance policy, like Obamacare or something, but it still is very pricey. I was looking forward to getting health insurance, and called in to get more information about my coverage and how much the policy would be but they never called back which is very typical of them.




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Lynne

Oh my gosh how can a person be fined if they don't have medical insurance? That is crazy!

Yes medical insurance is very costly, and while you are healthy it is a killer on finances... but then comes the day that you need it!

I had my tonsils removed last year and most of that was covered by my insurance in a private hospital. If I had not had medical insurance it would have cost me thousands!




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idealmike

Oh if only being a self-employed freelancer came with free dental and medical! Paid holidays would be nice too! If only! I've often thought about it, and next to actually taking out life insurance or some medical insurance of some kind, the only real thing I/we can do is to save up just in case something that like is needed. Although I do pay Tax and NI (National Insurance) and we have the NHS for that in case we do need it. Such as medical emergencies. But it doesn't cover the cost of ongoing medication and care if that's needed.

But of course, things are different for people from country to country, I'm in the UK so we have that. But things are different for people in the US or in Canada or in other countries around the world. But it's like anything, you either need to take out some kind of medical insurance or even life insurance in case of illnesses or accidents and the like. And it's better to have it and not need it than it is to need it and not have it. But that's easier said than done and for all intents and purposes, many people prefer to hope something like that doesn't happen

This is a great discussion though and I'm interested myself to see what other people have to say about the matter. Freelancers: Do you have any medical insurance?

Thanks for posting it.

Mike.




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Everett

Yeah, it's a little costly to be a freelancer because you don't get all the benefits of a "real full time job" as I stated above. Here you have to pay taxes on earnings, get medical, pay out of pocket for everything unless you do have some policies. However, on the bright side of things you are not working impossible shifts, or using gas to get to and from work.

As far as the medical things go, I have no idea what I am going to do. I have called around to some places to get an estimate of how much my premiums would be and to see what I will be covered for. So far it seems that I won't get dental, but I will have high copays for medications. They never offer dental here, unless you pay that premium and this could cost me about $300 to $900 a month depending on which policy I get. The average policy price I found was around $600, but the copays are so high as well. This medical insurance thing is such a pain in the United States. We are the only ones in the developed world that have crappy healthcare, right?! LOL




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Cristian

I have 2 types of medical insurance at the moment, one from the state because I'm a registered worker and I pay my taxes and a private one that is offer as a bonus by my company.
To be fair I didn't use the private one even though I have a full range of free medical options from doctors in all fields, its pretty cool actually.

Also, back when I was doing full time freelancing from home I used to pay my medical insurance myself from my own pocket to get public health insurance offered by the state.




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Everett

Lucky for you to have two types of medical insurances. I have zero medical insurance policies. I think the only medical insurance policy from the state I can get would be Obamacare, but I'm not so certain if I am covered by that because of my earnings margin. I think you can only earn so much, same with the Medicaid policy as well, that cap is around $1,306 USD per month. If you make less $1,306 USD per month than you can be covered by Medicaid which is through the local government. However, if you make more I believe you can look into Obamacare, or you'll have to pay premiums for another private insurance policy. It's all a mess really, a big mess.




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procoder

No I don't have any medical insurance, and now I'm thinking that I should do something for it. But yeah if I get sick I will need to pay everything from my pocket. I'm not even sure what type of medical insurance should I get, as from what I've seen they're different depends on the price you have to pay. Thankfully I don't have too much health problems as a person, but thanks for reminding as I had totally forgot about it.




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Everett

Yes, don't get sick and then have to pay out of pocket for care. I have already learned by this mistake, and hopefully it will not happen again. I actually took the money out of my car, and real estate license savings. It put me back about $2,000.

If you remember the discussion in which our goals were, mine was to save for a car, which I was almost there, and to start on my real estate license in November. It's November now, and this is totally out of the question due to the medical issue I had. So because of my medical issue I will probably have to wait until next year to get my real estate license, and my car. Now I have to save everything back up again which will probably take a few months to do, probably 4 months realistically. :/




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EliteWriter

No I do not have a medical insurance. I know what you mean. It would be nice to have that peace of mind, yet I did not feel the need for it just yet, mainly because most medical services are offered for free in my country. You have to wait of course, but at least you are given the service. In cases, such as for a dentist, I prefer to pay the fee when going to a private clinic rather than having an insurance to cover it. It may be more costly in the long run but till now it is enough for me.




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vinaya

I don't have any medical insurance, however, I have life insurance. The life insurance plan that I have bought has 20 years term. I pay $370 yearly premium. The plan I have bought covers accidents and major health issues. I am also thinking to buy another insurance plan, perhaps this time it will be health insurance.




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augusta

I don't have medical insurance for now but we have a family doctor that see to the health of the entire family, I try to attend our quarterly check-up, takeS my medication as prescribed and eat what I'm supposed to eat to avoid falling sick.So yes, I take pretty good care of my self medically.




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mildredtabitha

I have been using our family's medical insurance. But 2018 is my last year to enjoy the free treatment since I am already above 21 and I will officially be out of campus.

I am considering getting a medical insurance too in 1 to 2 years but I need to get a job first.




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Corzhens

This topic is a food for thought because right now I have a medical insurance courtesy of my full time job. But when I retire to go freelancing full time then I probably would get my own medical insurance so if anything happens then I am covered. Medical insurance is more for the peace of mind.




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