How Much Does PRO Health Insurance Cost for a Single 27-Year-Old?

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Discussion Overview

The thread revolves around inquiries and personal experiences regarding the cost of PRO Health Insurance for a single 27-year-old, alongside discussions about the challenges of maintaining a Pampered Chef consultant business while managing personal health and sales goals.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Exploratory

Main Points Raised

  • One participant, identifying as a consultant, inquires about the cost of PRO Health Insurance for a single individual, acknowledging that costs vary based on personal circumstances.
  • Another participant shares their experience of obtaining a $1,000 deductible 80/20 plan for approximately $100 per month.
  • One participant mentions concerns about pre-existing conditions affecting insurance costs, particularly for a friend who had cancer.
  • Several users discuss the benefits of using PRO Health as a broker to find the best insurance rates tailored to individual situations.
  • Participants share their experiences with maintaining sales goals and the stress of balancing full-time jobs with their consultant roles.
  • One participant expresses a desire to achieve a sales goal of $3,000 per month to earn a specific level in their consultant role.
  • Another participant discusses the requirements for becoming a director, including personal sales and recruiting goals.

Areas of Agreement / Disagreement

Views differ regarding the specifics of sales requirements and the implications of maintaining active status as a consultant, with no clear consensus emerging on the exact details.

Contextual Notes

The discussion reflects personal experiences and opinions related to health insurance and the challenges faced by consultants in balancing their business with other commitments.

Who May Find This Useful

Consultants interested in understanding health insurance options and those navigating the complexities of maintaining their consultant status and sales goals may find this discussion relevant.

L
lizcooks4u
Messages
860
How much a single person with the PRO Health Ins. cost? I know it depends on the individual and their needs. I have someone extremely interested in signing on and sure could use the health ins. for herself.

She's about 27.

Thanks so much in advance;

Liz

ps: I work in a hospital, coding medical records, so I do realize it depends on certain factors/criteria, but just wondered for a ballpark figure for a single person.

Thanks;
 
I'm 22 and have looked into it and I can get a $1,000 deductible 80/20 plan for around $100/month... hth!
 
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Thanks.
GourmetGirl said:
I'm 22 and have looked into it and I can get a $1,000 deductible 80/20 plan for around $100/month... hth!
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Problem for my friend though is she had cancer, it was treated but she still has to put it down and that really hurts her. Pre existing, high risk etc :(

OH, I forgot to ask if you don't mind do you use tobacco? smoke? some insurances charge more for smoker's.

LIz
 
I'm a non-smoker/non-tobacco user of any sorts... the great thing with Pro-health is that you can call them and they will be the broker for you... they will shop around and get you the best rate out there based on your situation. It's pretty much getting insurance as an individual, but having a heavy hitter weed through the thousands of web-pages one would have to read.
 
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thanks again
GourmetGirl said:
I'm a non-smoker/non-tobacco user of any sorts... the great thing with Pro-health is that you can call them and they will be the broker for you... they will shop around and get you the best rate out there based on your situation. It's pretty much getting insurance as an individual, but having a heavy hitter weed through the thousands of web-pages one would have to read.
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U 'RE STILL UP TOO :)
 
I shouldn't be, but had my first show in 2 months today and I guess I am still on a high from that! As I still haven't assembled my trifle for tomorrow night's cluster meeting or showered or totally unpacked and I have to be at work in 9 hours it seems as if I won't be going to bed for a while :)
 
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oh, Do you happen to have any recruits yet?
thx
 
I have 1 inactive and 2 active (1 who looks like she is going to be a kit-napper!).
 
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i have a ? for you :)
GourmetGirl said:
I have 1 inactive and 2 active (1 who looks like she is going to be a kit-napper!).
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sorry about the kit napper, my Director had a solution when we were using the prior/former kits.

I have people soon to join, just waiting....but from what I understand in order to keep them I must sell $ 1250.00 / month or I lose them to my Director?? is this true??? I've heard or read it somewhere, but can't find it. My best show was last Aug @ $ 704.00 and my month was just over 1250.00 or close to 1300.00. I"d love to sell min. $ 1250.00/month but haven't been able to do that :( I also work a very stressful demanding full time job :( I went on 2nd shift 9 months ago and has helped the stress, but hurts my PC outings, mostly cluster meetings.

thanks
 
You won't lose them to your director as long as you stay active, but you have to sell $1250 a month to get your overrides from recruits.
 
You will only lose the people if you go inactive... when you become a FD you need to do $1250 a month yourself to get the 1% overrides on you and your recruit's sales, but you will definitely not lose the consultants if you don't do $1250 in a month!

I'm with you on the sales goal... the most shows I had in a month last year was 3, and 3 out of the 9 months I sold I didn't even have a single show! :O It's my goal this year to do $3,000 a month as I want to earn level 2, so I can take my mom for her 50th this year! I think I am really going to try and get some fundraisers in there as they can totally help -- I had a $5300 one last year with a volleyball team!

I'm also with you on job stress... I work 6 days/wk and my only free day I try to have a show... but man, can I tell you how great it felt to calculate what my mid-month commission check was going to be... it made it all worth it... now tomorrow, when i have to go to work and didn't get any sleep I may be thinking otherwise :)

on that note, I think I am going to head off to bed, so I can get up and assemble the trifle before I leave for work in the morning! Thanks for the chat Liz! Good luck signing those recruits! You can do it!
 
Gillian what are you doing up now too?!?
 
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thanks
GourmetGirl said:
You will only lose the people if you go inactive... when you become a FD you need to do $1250 a month yourself to get the 1% overrides on you and your recruit's sales, but you will definitely not lose the consultants if you don't do $1250 in a month!

I'm with you on the sales goal... the most shows I had in a month last year was 3, and 3 out of the 9 months I sold I didn't even have a single show! :O It's my goal this year to do $3,000 a month as I want to earn level 2, so I can take my mom for her 50th this year! I think I am really going to try and get some fundraisers in there as they can totally help -- I had a $5300 one last year with a volleyball team!

I'm also with you on job stress... I work 6 days/wk and my only free day I try to have a show... but man, can I tell you how great it felt to calculate what my mid-month commission check was going to be... it made it all worth it... now tomorrow, when i have to go to work and didn't get any sleep I may be thinking otherwise :)

on that note, I think I am going to head off to bed, so I can get up and assemble the trifle before I leave for work in the morning! Thanks for the chat Liz! Good luck signing those recruits! You can do it!
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Thanks to you too :)
 
I think we should get a CS note (like a doctor's note) to take to work to explain why our eyes are sore (looking at the comp screen), and our fingers hurt (from typing so much), and to explain why we are falling asleep at work (cause I'm too addicted to CS!)
 
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oh
gilliandanielle said:
You won't lose them to your director as long as you stay active, but you have to sell $1250 a month to get your overrides from recruits.
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Gillian,

when you become a Director is the minimum you must sell 1250.00/ month or more?? I just need to figure out some things, get in better neighborhoods to sell. ;)

btw; WHAT NAME DID YOU COME UP WITH BAYLOR, btw I LOVE that name!!
 
Hey Ladies!
Alison- get some sleep, you deserve it! It is only 11:30 here, so not too late!

Liz- when you become a director you have to have 5 personal qualified recruits, $1250 per month personal sales, and $4000 per month. If you don't accomplish all three of these for 3 months straight you will no longer be a director. At least that is the way my director explained it to me...someone correct me if I am wrong!
 
So, I am just heading to bed... it is $350 a month personal sales, but recommended to do $1250 so you earn the promotions... and it is $4000 a month for you and your team's total saled... now i promise i am off to bed (with my trifle made!)
 
gilliandanielle said:
Hey Ladies!
Alison- get some sleep, you deserve it! It is only 11:30 here, so not too late!

Liz- when you become a director you have to have 5 personal qualified recruits, $1250 per month personal sales, and $4000 per month. If you don't accomplish all three of these for 3 months straight you will no longer be a director. At least that is the way my director explained it to me...someone correct me if I am wrong!
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Almost. 5 Personal/Qualified to promote, 5 in your first line to maintain.
So say I promote with my personal/qualified 5, and 2 drop off. But, I have a FD on my team that has 2 recruits. HER two recruits count as part of my 5 in my first line until she promotes to Director (then they become by 2nd line), and I will have 3 mos to get another 2 SIGNED (don't have to be qualified) to make my 1st line 5+ again.

Even then, I think you have 3 or 6 mos to get back up there before you lose your cluster.

You have to sell $350/mo AND your cluster (including yourself) has to sell $4000 a month to get overrides. If you don't, you don't lose Directorship, you just don't get paid. You do have to maintain the $350/mo though... but they even give you lots of time before you lose it.

The $1250/mo for 3 of 4 months is for sample products at no charge... and really Directors should be consistently doing twice that anyway. $1250 for a Director is really the bare bones minimum we should be doing from a "leadership" standpoint, but we can't lose Directorship if we don't.

From what I understand, it's much harder to lose Directorship than it is to obtain it.
 
Ah, thanks for setting the record straight- I am never sure if what my director is telling me is the rules, or what SHE wants me to maintain...
 
Liz...I also think if you go to their link on CC you can get a free quote too. I looked into it a while back but for me and DH so the rate wouldn't help ya.
 

Frequently Asked Questions

What is PRO Health Insurance?

PRO Health Insurance is a type of health insurance plan that offers coverage for medical expenses, including doctor visits, hospital stays, and preventive care. It is designed to provide individuals with access to necessary healthcare services.

How much does PRO Health Insurance cost for a single 27-year-old?

The cost of PRO Health Insurance for a single 27-year-old can vary widely based on factors such as location, plan type, and coverage level. On average, monthly premiums can range from $150 to $400.

What factors influence the cost of PRO Health Insurance for a 27-year-old?

Several factors can influence the cost of PRO Health Insurance, including the individual's health status, the specific plan chosen, the deductible amount, and whether the plan includes additional benefits such as dental or vision coverage.

Are there any subsidies available for PRO Health Insurance?

Yes, individuals may qualify for subsidies based on their income when purchasing health insurance through the Health Insurance Marketplace. These subsidies can significantly reduce monthly premiums and out-of-pocket costs.

Is PRO Health Insurance worth the cost for a 27-year-old?

Whether PRO Health Insurance is worth the cost depends on individual health needs and financial situations. For many, having insurance provides peace of mind and financial protection against unexpected medical expenses, making it a worthwhile investment.

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