A rude, expensive awakening

BY PATRICIA ANSTETT
FREE PRESS MEDICAL WRITER

For the first time in his working career, 44-year-old Nevin Speerbrecker has no workplace health benefits.

After changing jobs last month -- from an employer that offered health insurance to one that doesn't -- Speerbrecker found out how costly many health policies are. He also was shocked to find many health plans wouldn't insure him because he recently had cataract surgery. "It looks like insurers are looking for any excuse not to cover you," said Speerbrecker of Eaton Rapids.

Working with Livonia insurance agent Mike Coliton, Speerbrecker purchased a policy for his wife and son through Madison National Life Insurance Co., based in Madison, Wis. It costs $241 a month with coverage for 80% of their expenses, once they pay a $1,500 yearly deductible.

Speerbrecker has a temporary policy through American Community Mutual Insurance Co., based in Livonia, that costs $159 a month but provides fewer benefits.

Speerbrecker said he prefers a national health plan. Any limitations "certainly would be a heck of a lot better than what anyone in America can get on their own without spending a lot of money," he said.