What do Realtors do for health insurance?

By
Real Estate Agent with The Payne Group at Keller Williams Success Realty

Since we as realtors are self employed, what do realtors do for health insurance?  Does NAR have a group style plan for us?  I have poor health insurance right now and need to make sure that I am covered when I need it. 

Tell us what companies that you recommend.

Has anyone had any luck with internet type quotes?

Posted by

Jeff Payne, Broker Associate
The Payne Group at Keller Williams Success Realty
www.KnowPayneKnowGain.com
850-392-1770 Office
850-890-0132 Cell

 

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Rainer
30,703
Carolyn A. Rzaca
Royal Shell Real Estate, Inc. - Marco Island, FL
Broker Associate, GRI

Presently I am with Blue Cross/Blue Shield of Florida under a POP program.  The monthly rate keeps going up with age, but I quess that is to be expected with any insurance company.  Have used BC/BS for years and have been satisfied.

Jan 05, 2008 06:11 PM #1
Rainer
117,977
Erin Stumpf (Attardi)
Dunnigan Realtors - Sacramento, CA
916-342-1372 / DRE# 01706589 Sacramento, CA

Well, quite simply my husband and I pay up the nose for them.  We both have pre-existing health stuff that prevents us from simply purchasing coverage.  My husband is a contractor, and we have a group health policy through his corporation...we are young (I am 29 and my husband is 34) and we pay around $700/mo.

Jan 05, 2008 06:17 PM #2
Rainer
131,525
Susan Trombley
Trombley Real Estate - Raleigh, NC
Broker/Realtor, Raleigh, Cary, Wake Forest, Youngsville
I to have heard of the Blue Cross and Blue Shield for the self employed. I am fortunate to have a husband that carries my insurance. I also know that my Real estate association has discounts with different companies. You can check there.
Jan 05, 2008 06:43 PM #3
Rainer
46,444
Jacki & Jerry Shafer
The Shafer Real Estate Team, Keller Williams Louisville East - Crestwood, KY
The Shafer Team, Call 502-643-SOLD

Jerry and I are presently on the hunt ourselves.  We have BC/BS and each and EVERY year the rates go up, or we up the deductible so we can continue to (barely) afford it.

Don't get me started!  It's a rip-off.

We are looking into HSA's (Health Savings Account) to see if that could get our premiums lowered.  Right now we're both in good health and could conceivably save hundred each year.  You might want to check into that.

Good luck! 

 

Jan 05, 2008 06:46 PM #4
Rainmaker
352,772
Brian Sharkey | Broker | GRI | South Florida's #1 Broker
SharkeyRE LLC - Port St Lucie, FL
SharkeyRE - #SouthFloridaBroker
Jeff- GMAC has health insurance.  We just joined and this is a big plus.  I can send you info if you like.
Jan 05, 2008 07:09 PM #5
Rainmaker
318,144
Roberta LaRocca
Simply Vegas Real Estate - Las Vegas, NV
REALTORĀ®, Broker, Salesperson, Property Management
Jeff, I have an individual plan that I am not happy with so I am looking to find the same answer.
Jan 06, 2008 12:48 AM #6
Rainmaker
465,297
Jeff&Grace Safrin
F.C.Tucker 1st Team Real Estate - Valparaiso, IN
SpousesSellingHousesTM

You can call your auto/home provider and see if they offer any discount for having multiple policies with one provider-if you do a health saving account annually you can choose higher deductables which lower the monthly premiums - do a websearch online for complaints about the carrier BEFORE you sign the dotted line !

Sincerely,

Grace Safrin

Jan 07, 2008 08:26 PM #7
Ambassador
1,580,643
Gary Woltal
Keller Williams Realty - Flower Mound, TX
Assoc. Broker Realtor SFR Dallas Ft. Worth

Some Realtors have individual insurance, some their spouse's insurance, some work two jobs and use the other job's insurance, and sadly for some (47 million Americans) they have NO insurance.

Some individual carriers are BCBS, Unicare, Golden Rule.

Jan 08, 2008 08:53 PM #8
Rainmaker
404,365
Simon Conway
Orlando Area Real Estate Services - Orlando, FL
I have a group plan which has worked very well and is an HSA. It is with Golden Rule - a United Healthcare company.
Jan 08, 2008 08:55 PM #9
Rainer
3,854
Holly Howell
Keller Williams Realty Leaders - Schererville, IN

Jeff,

Realtor.org under benefits.  You will find a few companies that offer a discount.

Here is a link

www.realtor.org/realtor_benefits/benefits_partners/marsh_affinity_group_services.html

Hope this helps,

Holly

Jan 17, 2008 06:45 AM #10
Rainmaker
71,531
Gary Barnett
Home Matters - Indianapolis, IN
Home Matters Property Stylist Group, Indianapolis
The subject of Health insurance is nothing but bad news.  I think all of us need medical attention when we hear what they want to charge us and at the same time the CEOs of these companies are making tens of millions $.  It truly is one of the disgraceful things going on in this country today.
Jan 26, 2008 12:06 PM #11
Ambassador
603,209
Roland Woodworth
Keller Williams Realty - Clarksville, TN
Short Sale and Foreclosure Resource- SFR - Clarksv
Jeff.. Great topic as my wife and sone are covered by BC/BS and I have none. BC/BS denied me due to pre-existing conditions. I have VA disability which cover the pre-existing. Would love to find a good family program as well. I will look into the link posted by Holly and keep an eye as to other comments on this post.
Jan 26, 2008 01:41 PM #12
Anonymous
Taha Abdelwahhab

Hi Jeff,

This is definitely a problem since 30% of realtors have no insurance according to the National Association of Realtors. One good option is a medical and dental discount program that I'm promoting. It's a comprehensive program that offers savings for the entire household for a small monthly fee. Please go to www.yesbenefits.com for more information or feel free to email me at tahabenefits@aol.com.

May 08, 2008 10:32 AM #13
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