[Jewelry making - Article 00080] - Re: [Orchid] Insurance for jewelers?

[Suzanne Wade]

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Amanda,

    Health insurance is a tough topic. I spent over a year researching
    the issue for an article in AJM, and can't say I came up with any
    good answers. What kind of access you'll find to health insurance,
    and how much it will cost, depends entirely on where you live. Every
    state has a different set of rules governing health insurance
    offerings, including what type of plan you can buy, what will be
    covered, and whether you can be rejected for health coverage. To
    learn more about your state's regulations, visit your state's
    insurance department. For a list of such departments, visit
    http://www.hiaa.org/consumer/state_insurance.cfm Of visit Georgetown
    University's Institute for Health Care Research and Policy at
    www.healthinsuranceinfo.net, where you can found downloadable
    brochures for each state. 

    Because of the rather byzantine set of rules governing health
    insurance state to state, you probably won't find any national
    associations offering true group policies, although many offer access
    to endorsed providers, who are supposed to give association members
    the lower rates available. You may also have better luck with local
    associations, such as the local Chamber of Commerce. Your success
    there will depend on your state's laws: some states permit
    associations to form groups to purchase health insurnce, other states
    don't.  There's currently a law being debated in congress that would
    allow national associations to cut through this red tape, but last
    time I checked it was not yet law. 

    If you'd like a copy of the article, drop me a note and I'll e-mail
    you a PDF. 

Suzanne

Suzanne Wade
Writer/Editor
Phone: (508) 339-7366
Fax: (928) 563-8255
suzanne AT rswade.net
http://www.rswade.net



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