Posted June 17, 2014 If your a former or a current Bunnyranch playmate, and living the life of known escort, how does one obtain Health Insurance & Life insurance? I thought I read some place that if your in sex industry you can not get either of these as coverage. I need both asap! Does anyone have information this? Health Insurance, Life insurance agents please pm me. I also need to have a will made. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 I think that providing such personal real life info to someone who knows you from within this industry would be a really bad idea. I would suggest talking to a professional, who is not related to this hobby in any way, about your questions/concerns. Yes, it is possible to call an insurance agent/accountant/whatever and say "I work as an escort, can you answer some questions for me". Doing otherwise is setting yourself up for headaches imo. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Wait a minute. Was there know a Federal law passed a couple years ago the REQUIRES everyone to have health insurance? And if you didn't there are stiff fines? Also, did this law not say the insurance companies could not deny anyone coverage? Life insurance? That is another story. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Health insurance should be easy. Do you pay taxes? I would assume not. If the government doesn't know that you have an income then you qualify for Medicaid. It's a hassle to get enrolled but once you're in it's free. I don't know where you got the information that since you're an escort you don't qualify for coverage. I don't even know why you'd be telling a health insurance company or a life insurance company what you do for a living since it's essentially illegal. Just tell them that you've been out of work living off friends and family for however long you've been doing this. Problem solved. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 http://connectforhealthco.com/ http://www.medicaid.gov/Medicaid-CHIP-Program-Information/By-State/colorado.html http://www.colorado.gov/cs/Satellite/HCPF/HCPF/1214299805914 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Health Insurance, Life insurance agents please pm me. I also need to have a will made. A Will is easy since there are sites for that with downloadable forms! Any financial advisor can help you out! Life Insurance - it is all about the premium, even banks offer that if you have an account and no examine - just based on how much you want to pay. There are lots of options here! And Health Insurance - just go to the Colorado website and fill out the form - it comes under the Affordable Care Act - and again it is all about the premium and what you want - not what you do! Hope that helps and it does take time! Hopefully someone PM'd you with better info! 0 Share this post Link to post Share on other sites
Posted June 18, 2014 I think that providing such personal real life info to someone who knows you from within this industry would be a really bad idea. I would suggest talking to a professional, who is not related to this hobby in any way, about your questions/concerns. Yes, it is possible to call an insurance agent/accountant/whatever and say "I work as an escort, can you answer some questions for me". Doing otherwise is setting yourself up for headaches imo. I Totally agree with you Gina. Problem is I could have sworn I read some place, if you work for brothel/escorting- since I do. You do not qualify for health insurance. But I cant seem to locate it. I am trying to get all my ducks in a row, not walk into this blind. Wait a minute. Was there know a Federal law passed a couple years ago the REQUIRES everyone to have health insurance? And if you didn't there are stiff fines? Also, did this law not say the insurance companies could not deny anyone coverage? I'm not aware of any law that past that requires us to have health insurance until I read your post just now. I'll research it. But I did read some place few months ago where if your licenced at brothel witch I am, you cant get insurance. So.... I am doing my research. I have contacted insurance agent today and asked "I work as an escort, and for brothels, can you help me get health insurance?". I have meeting in few days. I will post my findings to help others. Thank you so much for emails, links, phone calls. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 I could have sworn I read some place, if you work for brothel/escorting- since I do. You do not qualify for health insurance. I'm thinking that would be for traditional life insurance. If the life insurance company considers a person to have a "high risk lifestyle", that person is unlikely to be offered life insurance. This includes drug addicts, sky divers, escorts, those with eating disorders, etc..... anyone who has an increased risk of dying because of the activities they partake in. FWIW I've been declined life insurance because of my past lifestyle. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 The affordable care act other wise known ad Obama Care requires you to have health insurance and prevents insurance companies from denying coverage based on prior conditions. It also greatly increases availability of Medicade. I have filled out several life insurance applications but don't recall them ever asking about work as an escort or brothel. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Are you paying taxes on your income? If not, then you should have socked away at least 25-40% of your income for medical emergencies. It says on your website that you are a "British escort". I take it you are in this country legally? What rubs me the wrong way are folks who are tax dodgers.You're not paying taxes? Then you're responsible for the health costs you incur. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 I would be surprised if your job would disqualify you for health insurance. I don’t think you would even need to provide that information if you signed up on the exchange. They seem to be a lot more concerned about age, and whether you’re a smoker. For life insurance, just go down the checklist of ‘high risk activities’ on the form. If there’s nothing under ‘escort/prostitution’, no worries. Again, they are much more concerned about age, smoking status, and heart disease. I suspect that, with your age, you would get a pretty low rate for whole life. Also, don’t go nuts on the payout. Usually a 100 - 200k is more than enough to protect a dependent for a few years, which is really all they should need. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Isn't it illegal not to pay taxes, regardless of whether the source is legal or not? And if you're in country legally or not? Remember, not paying taxes on his illegal activities was what LE got Al Capone for. 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Isn't it illegal not to pay taxes, regardless of whether the source is legal or not? And if you're in country legally or not? Remember, not paying taxes on his illegal activities was what LE got Al Capone for. Tax avoidance is perfectly legal, tax evasion is illegal... Tax avoidance normally includes planning/structuring transactions to minimize, legally, the associated tax burden.... Tax evasion normally would include less legal methods of not paying taxes... like not claiming/reporting that $600 you found on the casino floor - there is no exemption in The Code for an individual who "found money" to my knowledge... 0 Share this post Link to post Share on other sites
Posted June 18, 2014 Dam talk about a quick exit. Quick take down my post reviews something came up good luck to all of you. Hum what's up with that. It must be the Asians!!! 0 Share this post Link to post Share on other sites
Posted June 19, 2014 If you aren't paying or filing taxes then trying to get Obamacare is opening Pandora's box. It could make your life very very complicated. The subsidies are based on what you make and they will compare it to the tax records. If you don't have a tax record that is a red flag. Granted, if you make nothing you don't have to file but if you try to get Obamacare insurance and claim you make nothing they are going to give you a lot of paperwork and they will insist you apply for a food card, cash assistance and a bunch of other stuff. You can't just say you make nothing. Red flag. If you claim you live with a friend of boyfriend then you have to tell them who that person is and what they make because they count non-cash support as financial support even if you are staying there free. It can get messy Colorado runs't their own exchange and I think if you claim you make more than 45k or so then you have to pay 100% of your premium and the government doesn't scrutinize you as much since you are paying the full cost. You can also buy insurance outside the marketplace too I think. The insurance is expensive when you take deductibles into account. You end up paying 5-10k out of pocket before they start paying. It's pretty useless unless you have a gold or platinum plan and that's pricey. My recommendation is to get the cheapest insurance and claim you make more than the cut off so you don't risk getting your finances audited. They don't make you fill out all the financial aid forms, etc... Filing out Federal financial disclosure forms gets you into the system and once you are in the system it's not easy to get out especially if you are claiming hardship. See this page. It has some options. https://www.healthcare.gov/what-if-i-dont-qualify-for-lower-costs/ Otherwise, getting the cheap insurance will still cover you if you get something bad like Cancer or worse. For routine stuff, since you have to pay out of pocket, you should go to clinics or negotiate a cash rate for a local doctor. They will bill your insurance but they won't pay so you'll need to pay it anyway. You should consider getting an LLC and filing taxes for at least some of your earnings. Message therapists, etc... do this. Find an inexpensive accountant and just tell them to take care of it. It'll cost $25-$100 a month but they will keep you out of trouble if you want to get some subsidized insurance. You should totally get insurance no matter what. It's important and worse case you have to pay several hundred a month for a mediocre plan but getting in a card accident or something can put you in permanent debt. Good luck. 0 Share this post Link to post Share on other sites
Posted June 19, 2014 Your post is perfectly reasonable but it's predicated on the assumption that providers bring a minimum amount of business sense to the table. And as I've said in many posts: most girls run their escort services as a "bidness" not as a "business". 0 Share this post Link to post Share on other sites
Posted June 19, 2014 If your a former or a current Bunnyranch playmate, and living the life of known escort, how does one obtain Health Insurance & Life insurance? I thought I read some place that if your in sex industry you can not get either of these as coverage. I need both asap! Does anyone have information this? Health Insurance, Life insurance agents please pm me. I also need to have a will made. I'm confused, why are you in such a hurry to get health insurance,life insurance and a will asap ? Better to take your time,explore all options and pick what is best for you. 0 Share this post Link to post Share on other sites
Posted June 19, 2014 (edited) Your post is perfectly reasonable but it's predicated on the assumption that providers bring a minimum amount of business sense to the table. And as I've said in many posts: most girls run their escort services as a "bidness" not as a "business". Unfortunately, so true. The smartest thing I EVER did (outside of the boob job), was to start filing and paying taxes, back when I was an independent provider. That first year I claimed like $18,000 and paid a few hundred dollars in taxes. That small, simple step, was my first foray into the "real world" and set me on a path of figuring out how to get more than ghetto-rich. Owning a house and a couple/three cars (I like cars), some retirement savings, good insurance, and no worries about the tax man knocking on my door...life is good! I recommend all providers find an accountant and start filing asap. Handle your business like a BUSINESS. Without it, you will never be able to amass any sort of real life wealth. Edited June 22, 2014 by The Oxymoron 0 Share this post Link to post Share on other sites
Posted June 19, 2014 I'm confused, why are you in such a hurry to get health insurance, life insurance and a will asap ? Better to take your time,explore all options and pick what is best for you.Everyone's needs are different, but generally health insurance you kinda assume the need, however life insurance is generally if you have dependents (either kids and or a significant other) that cannot provide for themselves if you are now dead. Being in the financial industry, over the years I've managed to frown on and be in awe of those who have sold life insurance policy to those who have no real dependents, typically it's whole life as a "expensive" retirement plan. A will? I guess we can only speculate why these three and in hurry, something about being in a hurry makes both the health and the life insurances problematic beyond just the need to show income and what you do for a living. A will can be had quickly without the need anyone to know what you do for a living or income just the ability to pay the attorney or for the software. 0 Share this post Link to post Share on other sites
Posted June 21, 2014 Your post is perfectly reasonable but it's predicated on the assumption that providers bring a minimum amount of business sense to the table. And as I've said in many posts: most girls run their escort services as a "bidness" not as a "business". Wow! this is the first time I have agreed with you mr biggie 0 Share this post Link to post Share on other sites
Posted June 21, 2014 (edited) Unfortunately, so true. The smartest thing I EVER did (outside of the boob job), was to start filing and paying taxes, back when I was an independent provider. That first year I claimed like $18,000 and paid a few hundred dollars in taxes. That small, simple step, was my first foray into the "real world" and set me on a path of figuring out how to get more than ghetto-rich. Owning a house and a couple/three cars (I like cars), some retirement savings, good insurance, and no worries about the tax man knocking on my door...life is good! I recommend all providers find an accountant and start filing asap. Handle your business like a BUSINESS. Without it, you will never be able to amass any sort of real life wealth. Edited June 22, 2014 by The Oxymoron 0 Share this post Link to post Share on other sites
Posted June 21, 2014 Again, Gina is 100 % correct in this. I have preached on here for two years about providers filing taxes. Assuming there are no other illegal activities involved, the IRS could care less about what you do as long as you pay your taxes. While I will not give any tax advice on here, all of you should be aware of what failure to file, tax evasion and tax fraud involve. Go to irs.gov and search those terms and if that doesn't scare the bejesus out of you nothing will. I have filed taxes for several escorts around the country. Only one is in the Denver area and she was my client before she was escort. To be clear I am not schilling, I will not do work for anyone else locally nor will I answer any specific questions. If you have a generic question, send me a PM. Good news is the IRS is currently in a very forgiving mood right now with their Fresh Start Program. Under most circumstances they will work with the individual to clear up all back taxes due. They may forgive most of it and or work out a payment plan. They are very easy to deal with on this. You have to file all back returns and agree to stay current. Lastly, there is a free program available through DU that helps individuals who can't afford a CPA or atty, to get caught up on their taxes. Pm me and I can give you the name of the lady who runs the program. 0 Share this post Link to post Share on other sites
Posted June 22, 2014 on a path of figuring out how to get more than ghetto-rich. This. I've been following the new series on STARZ "Power" (produced by "50 Cent"), and a lot of the girls on this show remind me of the escorts I used to see on the East and West Coast. As soon as a guy slips them a couple of Bennies, they are out the door, going to the store, nail salon, or straight to the Apple store for newest bling and gizmos. 10 years down the road - the tits are saggy, the clothes don't fit coz they put on 60 pounds, stretch marks from the three kids they had with three different "fathers", and all that's left is a one-bedroom apartment in some shitty dump. Why do you think there is this whole porn genre of aging pornstars returning to the business? It sure as hell is not because some 50 something has-been San Fernando Valley pornchick, who started her career in the good old days of "loops", likes to have her wrinkled azz "tapped" by some guy's 13 inch "monster cock". 0 Share this post Link to post Share on other sites
Posted June 22, 2014 How about maybe telling them you're a topless Dancer or something and that you make your money from tips. Or possibly some kind of contract worker whose income is in 1099 info. Would an Insurance Agent really need to see income tax records to sell you insurance? 0 Share this post Link to post Share on other sites
Posted August 1, 2014 Every one's needs are different, but generally health insurance you kinda assume the need, I guess we can only speculate why these three and in hurry, something about being in a hurry makes both the health and the life insurances problematic beyond just the need to show income and what you do for a living. I'm confused, why are you in such a hurry to get health insurance,life insurance and a will asap? Better to take your time, explore all options and pick what is best for you. Some times the unexpected doesnt allow time. So there will be no more speculation why I needed these three and in a hurry. Nothing to be confused about. I have come down with Cancer. I have been warned it can spread and change my entire life forever. I have made decisions on my treatment. So for now before treatment begins, I am living everyday as rock star until Surgery! With the attitude I will beat it! Thanks to guys on TOB and there help * A will has recently been made for me. * I will need pre-existing health insurance. I can apply for it Nov 15th, 2013. Effective January 1st, 2014. There is no reason I wont get it insurance. * In the mean time surgery is set. Holly Shit Balls it is very expensive. I did not get, or qualify any free services. As of today, I was able to pay for the surgery upfront. Dam good thing I didn't fuck off my money as Iv earned it. By being responsible, it will save my life. I am mentioning this, there will be time frame I might not be around. It will not be because I got busted. I will be in recovery. 0 Share this post Link to post Share on other sites
Posted August 1, 2014 Nikki I am very sorry to hear this. I will be wishing the best for you. Get yourself a good oncologist. The after surgery care will be even more important than the surgery. 9 years ago I was in your shoes. With the advanced stage of my cancer, the docs gave me a 1 in 4 chance of surviving more than a few years. Today, I am cancer free. Attitude is everything. You've got a tough row to hoe for the next year.......but I'm here to tell you: If you look death straight in the eyes, and kick him in the nuts as hard as you can......he'll fold. If there is ANYONE here who can do that.....it would be you. Take care. 0 Share this post Link to post Share on other sites
Posted August 1, 2014 * I will need pre-existing health insurance. I can apply for it Nov 15th, 2013. Effective January 1st, 2014. There is no reason I wont get it insurance. [ You do not have to wait until Nov. 15th to purchase health insurance. I just obtained insurance this week. Go to an insurance broker for help. They cannot ask you any questions about previous conditions. A LIFE CHANGING EVENT STATEMENT is required. Just list on a piece of paper: 1. Your name 2. Address 3. The event (i.e. loss of insurance, loss of job, divorce, moved, etc.) 4. Date of event Now be prepared for a shock when you see the cost. There is nothing affordable about the Affordable Care Act. 0 Share this post Link to post Share on other sites
Posted August 1, 2014 Nikki, your PM box is full. Send me a PM if you need an agent for health insurance. 0 Share this post Link to post Share on other sites
Posted August 1, 2014 Now be prepared for a shock when you see the cost. There is nothing affordable about the Affordable Care Act. Depends. Due to a pre-existing condition, only insurance I could get was the state's high-risk pool. Under ACA, I'm paying 40% less for much better coverage (practically no out-of-pocket after deductible, which is low). 0 Share this post Link to post Share on other sites
Posted August 1, 2014 Life insurance will be very difficult and expensive for you to get with a pre existing condition. In fact, it might not be worth it. NEVER get "whole" life insurance -- always term. And good luck. Do not give up. 0 Share this post Link to post Share on other sites
