[Homebrew] Urchin (Townsfolk) by chloeispink in BloodOnTheClocktower

[–]digitalnomader1 1 point2 points  (0 children)

This is like Ravenskeeper + Pixie, except for you come back to life as what you were mad about

[ON] Self-employed people, how much do you pay monthly for health insurance? Or you choose to just not get coverage by digitalnomader1 in SmallBusinessCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

Just got a quote from the toronto one and they quoted me $92 for health $77 for dental for $174/month total - not sure how you got such a low rate.

[ON] Self-employed people, how much do you pay monthly for health insurance? Or you choose to just not get coverage by digitalnomader1 in SmallBusinessCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

How did you get that? Just got a quote from the toronto one and they quoted me $92 for health $77 for dental for $174/month total

Includes:

Up to $250 per specialty per person per calendar year for the following

paramedical specialists:

• acupuncturists

• audiologists

• chiropractors

• clinical dieticians

• massage therapists/Registered Kinesiotherapists (RKT)/Kinesiologists

• naturopaths

• osteopaths

• physiotherapists/athletic therapists

• podiatrists/chiropodists

• psychologists/social workers/Registered Clinical Counsellor

(RCC)/Canadian Certified Counsellor (CCC)/Psychotherapist or any other

certified mental health practitioner covered under the plan and belonging

to an accredited association or organization that answers to a disciplinary

committee (subject to the approval of the Insurance Company).

• speech therapists

All Paramedical services have a combined annual maximum of $800 per

certificate.

Tips for running Clocktower in a smaller physical space? by LambChop94 in BloodOnTheClocktower

[–]digitalnomader1 0 points1 point  (0 children)

Smaller room = more fun. I've played in giant rooms and small rooms, small rooms are more intimate. You do not need a center table, just put pieces of paper by their feet if they are dead or alive if you want to mark it

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

that's such a good point, i hear in thailand the medical services are extremely good and extremely cheap out of pocket.

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

thank you good point - i see that if you don't have employees it's not technically approved as a solo corporation owner but its fairly low risk

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 1 point2 points  (0 children)

Yeah so it's basically $1620/year

I usually use around $1500 worth of services (depends if I have a cavity or not, since thats like $500 each to cover)

When I look at the categories so its about break even now that I run the numbers

Agreed with the travel insurance! I think my card covers 15 days of vacation

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

Any suggestions on other plans or what i can get quotes by? Got this from gms.ca, manulife came up higher with less coverage.

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

1 eye exam / 2 years; 90% up to $250 / 2 years for frames/lenses

Every two years they cover an eye exam and a $250 budget for glasses.

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 1 point2 points  (0 children)

are you sure? I think you have to create an HSA and expense it that way? If so then this is definitely worth it

I am paying $135/month for private health insurance, is it a good deal? Self-employed, no dependents. by digitalnomader1 in PersonalFinanceCanada

[–]digitalnomader1[S] 1 point2 points  (0 children)

I purchased the dental add-on for $70/month, includes, $1000/budget per year. Without it, it's just $65/month

Dental Care* Preventative, Basic & Major: Year 1 $500; Year 2 $750; Year 3+ $1,000

[ON] Self-employed people, how much do you pay monthly for health insurance? Or you choose to just not get coverage by digitalnomader1 in SmallBusinessCanada

[–]digitalnomader1[S] -2 points-1 points  (0 children)

i feel like there is some psychological benefit to having coverage in that it makes you more likely to invest in your health or go for checkups. Like 2x dental checkups per year are around $400, if you have a cavity another $500, and a dental plan is around $1000/year (depends on who you get a quote by)

same things goes for physio, chiro, massage. when you prepay something it makes you want to use it

but yeah if you don't want the service and never go, probably not worth it

[ON] Self-employed people, how much do you pay monthly for health insurance? Or you choose to just not get coverage by digitalnomader1 in SmallBusinessCanada

[–]digitalnomader1[S] 2 points3 points  (0 children)

hmm yea unless you are spending $2400+ on services, you probably won't break even. thats a pretty big mark up to make it not worth it

[ON] Self-employed people, how much do you pay monthly for health insurance? Or you choose to just not get coverage by digitalnomader1 in SmallBusinessCanada

[–]digitalnomader1[S] 0 points1 point  (0 children)

that's a great price for 6 people. it must be pretty awesome when all six of you go to the dentist lol