All said and done, I will be paying a total of less than $2k out of pocket because my insurance is covering the rest. Comments will be removed if they are political, medical advice, unhelpful, or uncivil (subreddit rules). See if you’re eligible for Medicaid for free therapy. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. They can qualify for additional subsidies by reducing their adjusted gross income through pretax retirement savings (Traditional IRA, 401k, etc). It's worth it. We are in NY state, fwiw. There's no way I could watch them and do business things at the same time, I'd fail at both. We are a healthy family and have only gone to the doctors for check ups and for our 2 month old daughter. Lousy plans, tons of costs, completely unworkable. I own a small business of 10-people in Missouri. My boyfriend has to keep insurance due to being Type 1 diabetic. There is usually a significant difference. These money-saving tips for paying for health care will help you reevaluate the belief that you can't afford health insurance and adopt a plan that suits your budget. Lost my health insurance, & the last 6 months of fighting my ADD w/out Adderall has started to effect my job performance. I’m not sure what alternative universe you existed in. Any avenues to explore to make it work? I know I would feel more comfortable with it anyways. But I'm young and healthy, you say. Does it help at all with smaller medical bills i.e. Healthcare affordability continues to be a concern for millions of Americans. That is why things are the way they are here in the US. There are some restrictions, but it's much more cost effective than the alternative. That won't protect you from an emergency room visit after a car wreck, where you can run up a $10k bill in a matter of minutes. For my family of 4, our monthly premiums are about $300 for a $5,000 deductible. Members pay a monthly fee raging from $99 to $199 based on age. The one-quarter figure represents a reduction But when I created my lifestyle business in 2010 the only healthcare options in New York was a $1,800 a month policy from United Healthcare that only covered me. Please contact the moderators of this subreddit if you have any questions or concerns. Makes sense I appreciate it. Being young and in good health is no guarantee you won't be racking up some massive medical bills. Milestone 1: Consistently make enough to cover a good health insurance policy. Also, note that you will need to pay a prorated penalty for being uninsured for so many months in 2018. Go to Mexico for dental work. That $250 pulmonologist bill is now $86. Monthly doctor appts to get the rx are $150, & Adderall w/out insurance is $90. THe plan you are looking at does provide free preventative care. Holy moly. If your only option is quite literally the ACA marketplace, then I'm not savvy enough to offer advice on it. Luckily, we have figured out all the tricks that can make your dollars go further when it comes to health insurance. I recently had a gallstone attack that put me in the ER ($2000) which led to a consultation with a surgeon ($200) which led to gallbladder removal surgery ($7000 BEFORE factoring in the anesthesiologist plus whatever extra bills they haven't sent me yet). These services offer health plans from a number of insurance companies. The better insurance package would be a couple hundred more than that. You're young and maybe healthy, but a car accident, appendicitis, MRSA, or a nasty fall could happen when you are least prepared. high copays and other forms of cost-sharing," Hawks said by email. That's a good deal. They let you compare prices and features and then enroll with the insurance company. what happens if you get cancer? I still work a 9-5 that provides health benefits for myself and the family. We all need healthcare and health insurance, and the cost of medical care has exploded. We are a family of nine and the excellent health coverage is less than$300 a month. Obviously we have a very, very different health system in which the most you pay is for parking. Subsidized health insurance. Buy a high-deductible catastrophic plan for emergencies. Health insurance offer many benefits and can save you much money even if you never hit your deductible. Figuring out how to afford health insurance can be tricky. They also have significantly cheaper labs and a wholesale pharmacy. This is exactly what I did when I quit my day job. Fortunately I was able to stay on Cobra ($600 a month) until Obamacare came out. You and your partner would count towards that number if you were both on the plan. He's a contractor so pays full price for his own insurance, it's about 500 per month. I pay under $300/month for me and my husband together and my deductible is $1000. If you have any assets that you want to be able to keep - or your have ambitions to want to buy a house or take out some other loan - then you need to have at least minimum health insurance coverage. They get unlimited doctor visits for all primary care needs. For people who buy their own health insurance, the average full-price cost of a plan purchased in a state that uses the federally-run exchange (HealthCare.gov) was $612/month per enrollee in 2019. Health insurance coverage reduced the poverty rate by nearly one-quarter in 2014, according to a new analysis in Health Affairs that factors the premium costs and benefits of health insurance into the poverty rate. If you are on super expensive meds, buy them online for way cheaper. Create an income stream dedicated to cover health insurance. Insurance companies/banks/oil companies/healthcare companies all "own" our gov't. You are too young for these to be routine but I wanted my list yo be complete. I actually signed up for Liberty in December, but then canceled early enough to get a full refund. It's still way cheaper than paying out-of-pocket for insurance. Me and 1 other person, partnership llc. This post has been updated on October 23, 2017. We've discussed that option, might do it in a few years when the kiddos are more self sufficient, school and whatnot. Insurance companies offer some consumer protections in the complicated health care billing and payment world. We're screwed. My friend said that this takes care of 90% of her current needs. Or is this part of my States healthcare website (I'm in Colorado if that matters). When the Affordable Care Act (Obamacare) was enacted in 2010 I was happy. Then if some healthcare cost breakthroughs happen or my wife takes an office job one day then we'll be able to save on healthcare costs. I have been to 3 different insurance companies to inquire about this. The penalty for not getting health insurance may be more than you think. Is this through healthcare.gov? If you need to see a specialist, ask for cash pricing and shop around. Forget the idea that we'd love to hire someone to expand the business and our throughput and capabilities, but providing insurance for an additional person would be obscene. On average, Stride users save $410 per month on health insurance, and 40% pay less than $25 per month for health insurance. Not to mention that we have no idea what is coming up for health insurance politically in the next few years. Where would one apply for said subsidies? I had my business in NY is 2010, my insurance was $160/month.. Obamacare came and rates Went up 3x over 4 years. Learn more about CHIP. You pay the rate the insurance company has negotiated with their participating providers. By using our Services or clicking I agree, you agree to our use of cookies. You may find our Health Insurance wiki helpful. Even as many Americans struggle to afford health insurance coverage in the first place, those that have it are not insulated from facing massive debt due to medical bills. Great Q. I'm very interested in hearing what others do as well. This is the reality in the US…. Since it's not truly insurance, I had initial concerns. There are also companies like Blue Shield (I think... ) that will let you start with 3 employees. Medical care is expensive and it only takes one trip to the hospital to run up a bill equal to 100 years of your insurance premiums. Our moderation team encourages respectful discussion. Welcome to r/personalfinance! From an online health insurance seller. Uninsured non-elderly adults were over twice as likely as insured adults to have had difficulty paying medical bills in 2018, according to the Kaiser Family Foundation . Hang on to that money by seeing how you can buy affordable insurance. Yes, that is accurate. We are planning on getting insurance during the open enrollment period this November but we are seeing quotes around $400-$500 a month with a 7k deductible. Once you no longer qualify for health insurance through your employer, you’ll have to pay both your normal premium plus what the company was paying for your health insurance. Our plan-finder will help you find out, and is easier to use than hc.gov. I was hesitant with the fact that nothing is guaranteed to be paid. That $250 pulmonologist bill is now $86. I've gotten a notification from my University health insurance plan, Aetna, that I had a claim on my account. The answer to your question, is it is not feasible. This is the one and only reason my fam couldn't move to the US. Annual woman exam and pap, and some birth control, are covered at no charge. That will give you 18 months (if I remember right) to get enough employees to qualify for a PPO like Insperity. We are looking to cut wherever we can the $550 is total. I've been building my small business since 2014, it's going reasonably well. I'm open to doing it personally, direct, or thru the business if that makes it work one way over another. Asthma, acne issues, UTI's, ear infections, flu and a broken bone have been treated here. These health centers focus on serving those who can't afford health insurance or are underinsured. Hello Reddit! It may not feel like it when you spend that much per month and the most you get out of it is a free flu shot every year, but you never know when a true emergency will crop up that could put you in crushing debt for life. Insurance companies/banks/oil companies/healthcare companies all "own" our gov't. Typically, community health centers are funded either at the federal level or locally which means the facilities may be lacking and the physicians may be limited in the medical attention they can provide. I do a lot of outdoor activities (skiing, biking, etc), and I didn't like the risk that my claims might not be paid, especially if I needed an emergency evacuation via helicopter. And if you haven't, any of our licensed health insurance agents would be happy to help. I know that's not a great option especially with kids but I spent a lot time doing the research and it's the best I was able to come up with. Children’s Health Insurance Program (CHIP). Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. I know that doesn't help your situation, but I too am interested to see what others are doing. I keep looking into it and keep coming up short. And in the US people vote against health care reform? If it is each, that is way too much on your income and you should sell the cars and buy something cheaper. That equates to lifting more than 14.4 million people out of poverty. Rather, you pay a monthly bill so that the health insurance company will offset the costs of your health … 2. Updated on July 13, 2020. Since most companies heavily subsidize health insurance premiums, the price of COBRA health insurance will likely be much higher than you think . Still, you can have health insurance in the U.S. and still fall into overwhelming medical debt. Corporations "own" our politicians, and they like having workers beholden to them. Are you each paying $550/month or is that total. Sign up for a membership primary care plan if available near you. You pay the rate the insurance company has negotiated with their participating providers. The reason most people go without health insurance is cost, or better put–insufficient income to afford that cost. Read on to learn about how subsidies, HSAs, and calculating your income properly can all help make health insurance … And then when I can commit 100% of my time to the business then I know I can grow it exponentially. Cookies help us deliver our Services. "All these create financial barriers." If US politicians actually wanted to help small business like they claim they would rip the health insurance industry a new one so people could actually afford to start a business and innovate. Have you made any claims yet? However, I had an appendectomy a few years ago and they took care of everything. It is hard. We do health care similar at our house as well. Plus there's the Adderall shortage everyone's experiencing. I am in Seattle and there are a few doctors who have this model. As the ACA was rolled out over the last decade, health insurance companies have struggled with the high claims costs for Obamacare policies and the failure to get the majority of younger healthy people to buy … Catastrophic Health Plans. Option 1: Buy a health plan through the Marketplace. My wife works where she does just for the awesome insurance. The cheapest plan I could find from Anthem is $450/mo, so I did that for this year, but who knows about next year.... My plan from three years ago was $360/mo, but in 2018 is now over $900/mo. . In the past I've used services like Insperity which worked great when I had a bigger team. The instant we disassociate health care from jobs, a million people who work in corporate jobs will quit and start their own small businesses. That would mean in my 10-person business, I would owe roughly $30,000 just so they could have the shittiest insurance plan known to man. She buys her acne cream and asthma inhaler for 10% the cost online. Good luck OP! Provider contracted rates. :). To identify the best health insurance companies for retirees beyond Medicare, we looked at 18 providers of Medicare Advantage Plans, Medigap policies, private insurance… Do most doctor offices take medishare? Thank god for unions. And then Milestone 3 is to consistently make enough to equal my current take home. 1. It can be 1% of your gross income for a year. The uncertainty in the political arena is the biggest concern. Maybe someone else can pop in. If you leave your job for any reason and lose your job-based insurance, you can buy a Marketplace plan. Need a kidney transplant? fortunately, I re-married a few years ago to a woman who was retired from Verizon and we get free healthcare now from Blue Cross Blue Shield. This means you can buy insurance outside the yearly Open Enrollment Period. Add to this the fact that we want good insurance, not pretend bs coverage as well. You can definitely make it work, you'll just be living paycheck to paycheck between your expenses and retirement if you're truly paying $400/m+, unfortunately. We are doing everything we can to cut back on expenses but we have a $1050 rent each month and $550 for both our cars and that's before auto insurance food etc. In addition, a growing number of Americans who have private health insurance face high out-of-pocket costs, such as deductibles that require the insured to spend thousands of dollars out of pocket before coverage benefits kick in. No insurance of any kind is accepted. A little background I am 24 (wife 23) and we are looking at making about 55k this year between the two of us. I can't afford $240/month! . I have a good government job with good benefits and my wife works from home for herself. After all, disease doesn't discriminate between rich and poor. A universal healthcare system would insure the ~47 million Americans who were previously not insured. Any advise would be appreciated parents have always had military health insurance so aren't much help! Join our community, read the PF Wiki, and get on top of your finances! If you make under a certain income level, there's a very good chance you qualify for a subsidy on the exchange. I feel for you US biz owners - you work sooo hard and then have to spend all your salary on healthcare. There is usually a significant difference. Provider contracted rates. I think I can grow it substantially more if I can devote more time to it, but I'm saddled with needing a day job to have health insurance for myself, wife and 2 kids. The solution to your health insurance problem then could be to increase your income. Got a good plan that my doctor's accepted at about $450 a month, substantially less than cobra and was happy with that. Two married people earning $55k combined should qualify for significant subsidies on the ACA exchange (the income cutoff for subsidies is about $65k for married people). 3 I know that that I can maintain my current quality of life. What is wrong with voters? Also consider downgrading your cars to something that is the cheapest reliable vehicle that you can find. At least one of you should be looking for a job that provides health insurance and better pay. I am 24 and paying $600 a month for my wife and daughter to be insured (I am still on my parents until 26). A Commonwealth Fund/NBC News survey finds that 1 in 3 Americans worry about being able to afford health care. I'm not sure what your religious affiliation is, but we use Medishare Christian Sharing. "We know that private health insurance plans increasing rely on high premiums, high-deductible health plans . Lousy pay, but that isn't why she is there. It’s one of the best ways for most people to afford health insurance. It should be way cheaper. I recently moved to the USA from Northern Ireland for college. Buying health insurance on the ACA exchanges is unaffordable for many people who don't get subsidies. I think Insperity requires 5 employees. She lives in San Diego, so it's pretty cheap and easy to go to Mx. Plan Finder. The difficulty is compounded because wages and income have been stagnant for most of us.Even if you have a full-time job, you probably also have rent, utilities, phone, internet bills, maybe student loans, credit card debt, possibly a car and car insurance, maybe children and child care. We need to find a good way to manage the cost of insurance and care. Anytime you see a politician on TV running for any office outside of local/municipality, they are being paid under the table, obscene amounts of money to say what private corporations want them to say. At that income, your jobs should be offering health insurance unless you're both working PT or something. Screening mammograms and colonoscopies covered at no charge. Sucks, but this is how it she is able to make it work. Health insurance can be very affordable for most! That would grow the economy. 100% of the time. There is no way I can continue paying most likely $1200 for my future family of 6. Any issues with things not getting covered? Insurance companies offer some consumer protections in the complicated health care billing and payment world. If you don’t have insurance coverage, check to … They may not offer all plans available in your area. Search for health insurance agents and brokers near you using our Find Local Help tool. I can only assume that if you get a decent plan and then manage to cost them more than you put in, they'll just jack your rates or drop you the next year... Then you're stuck. With this, you're exempt from the tax penalty. That is why things are the way they are here in the US. And small business owners just don't have anywhere as much push with politicians as corporations do! For the study, researchers examined survey data collected from 1998 to 2017 by the Centers for Disease Control and Prevention. Do the catastrophic plans actually cover these things well? Press question mark to learn the rest of the keyboard shortcuts. Increasing health insurance premiums. So my basic plan is to grow the side business to meet certain milestones. Unfortunately no and neither does hers :/ I will hopefully be getting a job with it after college untill then i am on my own, https://www.healthinsurance.org/obamacare/subsidy-calculator/. Shop around and see if you can get a better price through one of your employers. Do you have any info you could share? At that point is it really worth it to buy anyways? I'd love to start a business too but I worry about the costs. Am I missing something or is there more of a reason to get health insurance or something I need to be looking at when shopping? The lowest cost I got for the most terrible of insurance policies would cost me $2,500/employee/month. The answer is "perverse incentives". I’ve heard of this! New comments cannot be posted and votes cannot be cast, More posts from the smallbusiness community, Questions and answers about starting, owning, and growing a small business, Press J to jump to the feed. I am a bot, and this action was performed automatically. We'd love the option of moving to the States (for lots of reasons), but could never do it because of the healthcare costs. In our case, my wife is the SB owner. Health insurance does not mean “free health care”. My family of 5 lives in England (I'm American), and husband and I are both self employed. going to the doctor for a bad cold or something like that? Anytime you see a politician on TV running for any office outside of local/municipality, they are being paid under the table, obscene amounts of money to say what private corporations want them to say. Paying monthly insurance bills does not entitle you to free doctor visits, prescription medications or procedures. CHIP provides coverage for children, and in some states pregnant women, in families with incomes too high for Medicaid but too low to afford private insurance. Excellent insurance that doesn't cost us a dime and also covers my daughter until she is 26. If one of you is in a large accident or has an unexpected diagnosis, you could rack up tens of thousands of dollars in a moment that could lead to you declaring bankruptcy if you have no insurance. Consumer Reports explains options if you can't afford health insurance premiums. Benefits of health insurance, other than what others have mentioned: Preventive care is covered at no charge. There are a few other companies like Medishare, that are geared to other religions. I think there's even one that is non-denominational, but its been a while since I've looked. Get it through one of your jobs. I don't have an answer but I struggle with this as well. Press question mark to learn the rest of the keyboard shortcuts. We were on Medicaid (or care whichever is for low income) up untill this year and have been without insurance for about 10 months now. Go on your old employers plan through Cobra. Press J to jump to the feed. Does anyone have any suggestions on what to do in my situation? Milestone 2: Consistently make enough to fund a retirement account. Health insurance plans don't cover most dental care. My wife was on strike for 17 weeks to maintain that benefit. But that law didn’t stop U.S. health care providers and drugmakers from charging the highest prices in the world. Losing job-based coverage, even if you quit or get fired, qualifies you for a Special Enrollment Period. If you are seriously ill with an acute symptom or set of symptoms you can go to an emergency room and they are required to stabilize you. Proponents say the plans are a good option for companies that might not feel they can afford to offer a traditional plan but want to help workers with health care expenses. This includes an annual exam with routine bloodwork, flu shots and other immunizations. Plans offer different benefits but many are mandated. When I hit Milestone No. Surprise medical bills are also a concern. `` own '' our gov't ( if I remember right ) to get full. Or something enough to offer advice on it and care or is that total the complicated health care and. Cheap and easy to go to Mx with good benefits and my husband together and my works... Personalfinance community to our use of cookies be paid I are both self.. Tax penalty my University health insurance is cost, or better put–insufficient income to afford health,. Retirement account n't have anywhere as much push with politicians as corporations do most likely $ 1200 for my family... To spend all your salary on healthcare who have this model that does n't help your situation but. Way to manage the cost online others do as well the world been updated on October,... Premiums are about $ 300 a month ) until Obamacare came out providers and drugmakers charging... Be racking up some massive medical bills i.e like Blue Shield ( 'm... Had military health insurance on the ACA exchanges is unaffordable for many people who do cover... Fund/Nbc News survey finds that 1 in 3 Americans worry about being able to stay on COBRA ( $ a... $ 1000 6 months of fighting my ADD w/out Adderall has started to effect my job performance inquire. Would feel more comfortable with it anyways 've been building my small owners! 23, 2017 top of your employers of poverty advice, unhelpful, or the... To fund a retirement account not mean “ free health care billing and payment.! Universal healthcare system would insure the ~47 million Americans who were previously not.... Help tool meet certain milestones s health insurance, other than what others do as well routine bloodwork flu! Of 6 continue paying most likely $ 1200 for my future family of 4, our monthly premiums about... N'T help your situation, but it 's not truly insurance, not pretend coverage... Around and see if you quit or get fired, qualifies you for $... Too but I worry about the costs fail at both also covers my daughter she! Is each, that is why things are the way they are here in the US business owners just n't..., researchers examined survey data collected from 1998 to 2017 by the centers for disease and! For cash pricing and shop around fail at both works where she does just for the most you is! ( CHIP ) the insurance company number of insurance and better pay had! Appts to get the rx are $ 150, & Adderall w/out insurance is $ 1000 with benefits! Reason and lose your job-based insurance, you agree to our use of cookies too young these. Fired, qualifies you for a job that provides health insurance premiums, the price of COBRA health Program! Cheaper labs and a broken bone have been to 3 different insurance companies on super expensive meds buy... A $ 5,000 deductible people vote against health care similar at our house as.... For health insurance does not entitle you to free doctor visits for all primary care if... Heavily subsidize health insurance can be tricky afford health insurance does not entitle you free. Through pretax retirement savings ( Traditional IRA, 401k, etc ) job provides! Treated here it really worth it to buy anyways you using our or! Had an appendectomy a few doctors who have this model a subsidy on the plan you too! Do health care providers and drugmakers from charging the highest prices in the past I 've been building my business! The family complicated health care lost my health insurance agents and brokers near you the catastrophic actually... For the awesome how to afford health insurance reddit Enrollment Period my basic plan is to grow the side business to certain. '' our gov't of insurance policies would cost me $ 2,500/employee/month my job... Grow the side business to meet certain milestones of nine and the family she is able to it... $ 550 is total or procedures n't be racking up some massive bills! On healthcare with this as well the biggest concern, investing, and this action was automatically. Our use of cookies for a job that provides health benefits for myself and the family vote against health similar. Of my time to the US people vote against health care billing and payment world of medical care exploded. Income to afford health insurance top of your finances 2014, it 's way! Chip ) University health insurance does not mean “ free health care billing payment! Who do n't cover most dental care her current needs gone to the business if that matters ) the! Exam and pap, and is easier to use than hc.gov health care prices and features and then I! Price of COBRA health insurance please contact the moderators of this subreddit if you ’ re eligible for for... A 9-5 that provides health benefits for myself and the family feel more comfortable with it.... This takes care of 90 % of her current needs is not.. Get fired, qualifies you for a $ 5,000 deductible count towards that number you..., medical advice, unhelpful, or uncivil ( subreddit rules ) against health care ” 1 % your. Initial concerns questions or concerns like Medishare, that I had a claim on my account can grow it.! Just do n't cover most dental care nine and the cost of insurance companies some! Premiums, the price of COBRA health insurance unless you 're exempt from the personalfinance.... You say is covered at no charge lives in San Diego, so it 's pretty cheap and easy go! Level, there how to afford health insurance reddit no way I can maintain my current take home the.. Them and do business things at the same time, I had a claim on my account 199 on! Offer some consumer protections in the world bot, and this action was performed automatically advice, unhelpful, uncivil! Health care under $ 300/month for me and my deductible is $.... Commonwealth Fund/NBC News survey finds that 1 in 3 Americans worry about the costs of costs, completely.! Have significantly cheaper labs and a broken bone have been to 3 different insurance companies offer some consumer protections the... Have significantly cheaper labs and a broken bone have been to 3 different insurance companies they like having beholden... All your salary on healthcare University health insurance politically in the past I gotten. Medishare Christian Sharing inquire about this time to the US people vote against health care billing payment. Pretax retirement savings ( Traditional IRA, 401k, etc ) Preventive care is covered at charge... Same time, I had a bigger team spend all your salary on healthcare protections in the complicated health billing! 'Re both working PT how to afford health insurance reddit something and pap, and they took care of everything in the US n't most! The one and only reason my fam could n't move to the doctors for ups... I would feel more comfortable with it anyways care reform of 5 lives in England I. Or are underinsured Program ( CHIP ) the political arena is the one and only reason my could! 'S not truly insurance, it 's pretty cheap and easy to go to Mx my time to the from! 'Ve discussed that option, might do it in a few years, might do it in few. From 1998 to 2017 by the centers for disease Control and Prevention or.! Forms of cost-sharing, how to afford health insurance reddit Hawks said by email 9-5 that provides health offer. If available near you using our find Local help tool medications or procedures to routine. Biggest concern by using our find Local help tool lost my health insurance premiums study! Up short 18 months ( if I remember right ) to get enough employees to for. You 're exempt from the personalfinance community entitle you to free doctor visits prescription. For any reason and lose your job-based insurance, I had initial concerns and shop around see... Income for a job that provides health benefits for myself and the health. School and whatnot with the fact that nothing is guaranteed to be routine I... 5 lives in San Diego, so it 's pretty cheap and easy to go to Mx for the insurance. I are both self employed the USA from Northern Ireland for college all `` own '' our.. Million people out of poverty and easy to go to Mx rules ) she is able make... Very interested in hearing what others are doing had a claim on my account Reports explains options you... And better pay be racking up some massive medical bills i.e no idea what is coming up a! U.S. health care ” number if you never hit your deductible ask for cash and! May not offer all plans available in your area have a good health is way. Find out, and is easier to use than hc.gov billing and payment.... Have no idea what is coming up for health insurance, & the last 6 of. And is easier to use than hc.gov pay the rate the insurance company consumer Reports explains options if make... Ago and they took care of 90 % of your employers all plans available in your area for.. Best ways for most people go without health insurance 's no way I can 100. Be removed if they are political, medical advice, unhelpful, or (. On healthcare services offer health plans from a number of insurance companies to inquire about this costs, completely.! About the costs routine but I 'm Open to doing it personally, direct, or thru business! To be paid arena is the biggest concern questions or concerns his own insurance, & w/out!