stephanie is: 
eating lunch.
how much does it cost to get your own health insurance? i was just gonna go on danny’s since i am his spouse, but he just found out that it would go from $50/month to $270/month. what the hell??
my guts are NOT amused that i am eating.
i will be doing a swanky cam show tonight. it will be the blacklight one that lots of people requested – IF my blacklight decides to work. i’ll test it out later. i’ll be adding any pending new members this evening before the show (10pm is the show i suppose).
is anyone out there a lawyer? how do i make up a contract for my freelance work? hrm.
You can stay on your insurance with your old company, but pay for it yourself until you get a new job through what’s called COBRA (or something like that). Ask your HR person about it. I did that for awhile and it was $180 a month. I think if you try to get your own plan with an insurance company it would probably that or a bit higher. It may be best to get on Danny’s plan.
yes
…it probably is better to get on your husband’s plan. Individual health coverage can be very expensive even if you’re only interested in getting very basic coverage. It’s worth checking into tho, with such a large jump in rates (50 to 270?? wow!). You won’t be able to get drugs or checkups covered but if you get seriously injured you’ll be okay, which is the most important part.
my sympathies to you… I know EXACTLY how you feel. I got fired once… right before going in for a fun medical proceedure (happily, I don’t think the insurance co realized that I was just cut from coverage). getting up in the morning is the worst. my advice: get going right away on the job search. it gives you something to do. like you said… not having something to do in the morning is the worst.
I cried too.
YUCK!!!!! $50 to $270???????? It almost costs less to get cobra for two people!!!
current rates for cobra through my company are between 167.45 per month to 199.31 per month. You are allowed to have it for up to 18 months, and to extend it beyond that you’d have to be deemed totally and permanently disabled by the social security administration.
Cigna of virginia might have an individual policy that you can go on, and trigon blue cross blue shield might as well. You are young, so it may not be as expensive for you.
🙁
shit I was paying 250 for COBRA
damn that sucks. f|_|ckers!!!!
I think with freelance work all you have to do in write up an invoice for time put on a project, rather than punching a clock.
You might even have to register a business name.
If Dan gets his web hosting service off the ground, you can always connect yourself into that….that would be quite a service enhancement for his hosting company..
Click here. It should help 😉
oo thanks you rock – i shall read that…
ieee! my head is spinning after reading that! *blink*blink* hehe um maybe i can just make clients pinky-swear that they will pay?
Oh, I did a little research and you’ll prolly want a merger clause (no relation to Santa) which states that any amendments made to the contract will be signed by ALL parties, and a breech of contract stating that damages should be paid to you if the client violates terms of the contract.
I know it’s long winded. If you want, I’ll be happy to look over any document you prepare. I have a shit load of experience in underwriting in the financial world. Remember… it’s all for your protection.
i may take you up on that. lawyer speak i do not.
i am looking up examples and am going to try to piece something together. is there anything special i would need if i did the work through the hosting company danny is trying to set up?
is he incorporated? if so, what type? As far as the contract goes, there wouldn’t be any changes except who signs the contract (in this case Danny) but there would be various tax implications depending how he was incorporated (i.e.: S-type corp vs. limited partnership). Accountant speak I do not.
Contractual Agreements
Believe me, spend the extra bucks to have an independent professional attorney prepare your agreement. Don’t short-cut here, it’s not worth it. Just have a professional do it right up front.
Re: Contractual Agreements
yes, everyone should listen to a 15 year old. J/K 😉
it makes me glad I live in canada.. health costs 17$ a year if you make 30,000$ 10$ if you make under that, but its not extended or anything.
As for contracts, I write my own up and its just seen as a personal contract, my sister owns a company and hers is bound by her company (she writes her own as well), but it could be different being as I’m in Canada
READ ME–health insurance
i buy my own and i have bought my own for two years now. when i first got it, it was 62 bucks a month, now it is 81. it’s an awesome plan, blue cross PPO, 10 dollar docter co-pay, ditto for prescriptions. i’m very happy with it, and it’s a STEAL.
i’m sure you can find something cheaper. i got my plan from ehealthinsurance, but there are other online providers out there. i think yahoo connects to some. yep, it does, click that URL.
you can find something for cheap cheap like bird. like i said, i have been very happy with my arrangement. i’ve kept it ever since i got it upon moving to cali, and it’s been with me through layoffs, raises, job changes, etc. it’s a real peace of mind not to have to worry about it.
Re: READ ME–health insurance
ugh, i guess it is very $$$ here.. even with the $250/month one i wouldn’t get prescriptions or maternity. the $50 ones don’t really cover anything (no office visits, maternity, prescriptions, emergancy…)
maybe $270 for both danny and me is good after all.
Re: READ ME–health insurance
just make sure his covers maternity, etc.
I got fired from my job, in december, when they found out I was pregnant. Nice right? So now I’m paying for COBRA until I can go back to work in september. (Or until my boyfriend and I get married) $260 a month. Thank God my Mom is helping me out with the cost.