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How much do you pay for health insurance? - Page 2

post #21 of 47

I pay about $190 a month for my insurance through my employer.  I'm not really sure what DH's costs through his.  It is pretty bad insurance, my co-pays are crazy, but at least it is insurance!

post #22 of 47

Through my DH's work, we pay $480 a month. Copays are $25 for a regular doc, $40 for a specialist. Out of pocket per person is $1200 a year. No idea on prescriptions, because we have never had any filled.

 

post #23 of 47

We pay about $400 a month for medical,dental,and eye. Dental covers 2 cleanings,and eye covers a yearly eye exam and a frame every 2 years. Medical covers NOTHING until we pay out 6k. No doctors,no scripts,no nothing. We essentially pay just in case we have a HUGE medical bill,and then pray they actually cover it. If they did not cover a big bill I think I would go balistic.

 

Personally I would like to cancel it all and invest what we have.Put the kids only on a state medical program .We only make 28k for 4 so we could get them coverage.Dh won't cancel the lousy insurance.

post #24 of 47


When DP was looking for a job 11 years ago insurance was high on our lists of musts.  We pay $0 for insurance through his work, no deductables and no co-pays.  We do belong to an HMO, which we love.

 

Insurance is another situation where the lifestyle of the upper-middle is subsidized by the lower-middle and middle class. It drives me crazy and I would willingly pay increased taxes if it meant that everyone was covered equally.
 

Quote:
Originally Posted by mattemma04 View Post

 

Personally I would like to cancel it all and invest what we have.Put the kids only on a state medical program .We only make 28k for 4 so we could get them coverage.Dh won't cancel the lousy insurance.



Can't you get the kids on CHIP without canceling your current insurance (not Medicaid)?  Then you could save the $ but DH would still have the exact insurance he would prefer.

 

post #25 of 47

I currently pay $482/mo. for cobra for just myself (my fiance is uninsured though he just started a new job Monday that offers insurance...no word yet on how affordable it will be). My plan is pretty decent. I pay $25-35 for dr visits and between $30-70 for prescriptions. My plan doesn't have a deductible and the oop limit is something like $4000. Last year I spent 7 days in the hospital, had two minor surgeries (1 inpatient and 1 outpatient) and had 6 months of chemo + 1 month of radiation, plus all the tests and scans that go along with a cancer diagnosis and I spent less than the oop limit, so that's pretty good all things considered. When I was employed, I only paid about $90/mo. for the same plan.

 

As it stands presently, my cobra premium is unaffordable (I work part time for about 1/3 less hourly than I was making at my old job), but due to my health issues and pre-existing conditions, I cannot drop my coverage. I qualify for my state's high-risk pool which is very affordable (I'd be looking at paying about $200-300/mo. for a good plan) based on my health issues, but because I am eligible for cobra, they won't accept me. I would have to drop my current coverage and go without for 63 days before I could get into the high-risk pool. For the time being, I am getting financial assistance through the Leukemia/Lymphoma Society for my premiums, but I'm hoping to find a new full-time job with benefits soon. That or get married and get on the plan at my fiance's new job. It's been a nightmare the past few months trying to sort this all out. Health care in this country really is an atrocity!

post #26 of 47

$0

We can't afford it, period.  If we paid for health insurance, we wouldn't eat.  

Not eating kills us a lot faster than not having medical coverage so......ya. 

 

post #27 of 47

We pay $0, also, because we don't have any. It's not offered through either of our jobs (we both work for the school district) and since we are just barely making it, I haven't even attempted to look into private insurance.


When I was filling out paperwork for this job, the woman said, in the most cheerful voice, "We don't offer health insurance, but we do have life insurance!" I joked, "So I can die, I just can't get sick?" She did NOT find it amusing. eyesroll.gif

post #28 of 47
Thread Starter 

If you can get it, individual is much, much cheaper than group health insurance, so it's worth looking into!  Also, if you have gone a period without health insurance often times you can have access to health insurance at a much lower rate (in my case we could get health insurance for about 1/15 the cost if we hadn't been paying a small fortune for insurance all these years, ugh!)

 

post #29 of 47

$800 a month, which sucks, but it's the price of doing business, I guess. 

post #30 of 47
Quote:
Originally Posted by bobandjess99 View Post

$0

We can't afford it, period.  If we paid for health insurance, we wouldn't eat.  

Not eating kills us a lot faster than not having medical coverage so......ya. 

 


Same here. Although my kids do have insurance through their father, who is in the military. My husband and I are uninsured. Heat and groceries trump insurance premiums.

 

post #31 of 47

I am lucky to have a part-time job that offers health, dental and disability insurance.  My health insurance is $175/mo for single.  DD's insurance is paid for by her dad.  My copay is $25 and my deductible is $250!  I absolutely have to have group insurance.  I am diabetic and my insulin alone runs $300/mo with no insurance.  Much less test strips and syringes, etc.

post #32 of 47

DH --> $0 in premiums (employer pays it in full; only benefit besides PTO), but it is weak insurance. High deductible, even higher OOP, co-pays, and long list of items not covered. NOT HSA-compatible, even though the deductible is $10k for family coverage. (We have the family info because I was on the group plan, too, when it changed to this new plan. I don't know the individual deductible.) We haven't used it.

 

DD --> $51/mo in premiums. Never used it in the year plus she's had it.

 

Me --> $109/mo in premiums. I haven't used it, yet, but I just got it a couple months ago. I used to be on DH's group plan and it was nearly triple the cost. My current plan is much more comprehensive and HSA-compatible. Small businesses get the WORST rates!!!! Until the new legislation, though, I was unable to obtain individual coverage. I am very grateful for the changes!!!

 

My plan is the best of the bunch and is the most recent. When I was shopping for coverage, I looked at including DD with me and separate plans for both of us. Her plan was the best value at that time for our usage (very, very low), so I left it alone for now.

 

I just thought of an idea to run by DH and his boss. If we were to obtain individual coverage for DH for less than what they pay for his group coverage, will they cover the new premium instead (or the equivalent in some other fashion)? My plan is MUCH better than his and costs significantly less ($109 versus $283 for me; his may differ a bit, but we are the same age). The potential is there because several people already aren't on the group plan. I wonder if they receive other compensation. His boss wants to chat with me on my views on immunizations anyway, so this will be an easy conversation. (I'll discuss the idea with DH first, though.)

post #33 of 47

We pay $285/mo for medical, dental & vision coverage.  $1000 family deductible - I'm sure there is a per person deductible, but I honestly don't know what it is.  Preventative visits are no copay, regular visits are $20, specialty visits are $40.  We also have prescription coverage.

 

I'm still trying to figure this all out after 14 years of being under Tricare....bag.gif

post #34 of 47
Thread Starter 
Quote:
Originally Posted by SubliminalDarkness View Post

$800 a month, which sucks, but it's the price of doing business, I guess. 


Wowza, in Georgia?  We actually looked into moving there about 6 years ago and a big factor was how much cheaper insurance was! 

 

sunnysandiegan... maybe it's different state to state? but I know I've read that it is illegal to be compensated for individual insurance by your employer... I'm pretty confident this is the case everywhere, though. 

 

post #35 of 47

That would make sense. Otherwise, insurance carriers wouldn't be pricing small business group plans so exorbitantly high. winky.gif

post #36 of 47

Well, if I could afford the coverage through my work, it would be $1120 per month for my family of 4, which is more than I pay for rent.  So, we are uninsured at this time.

post #37 of 47
Quote:
Originally Posted by Ygle View Post




Wowza, in Georgia?  We actually looked into moving there about 6 years ago and a big factor was how much cheaper insurance was! 

 

sunnysandiegan... maybe it's different state to state? but I know I've read that it is illegal to be compensated for individual insurance by your employer... I'm pretty confident this is the case everywhere, though. 

 


Do you mean if you have an individual policy that has nothing to do with your employer, and your employer agrees to pay some or all of it, that's illegal? I've seen that at a place I worked for for a while. I can't believe that's illegal, especially when it can be prohibitively expensive for small businesses to insure their staff. It is seriously time for health care reform. 

 

And to answer the question: $121/month for a family of 3. If I have more kids, it will stay the same. If my income drops down low (I'm in the no subsidy income level right now), the payments also drop to a possible nothing. No co-pay, no deductible. 

 

When I was living in the U.S., it was, I think, $215/month for just me. $25 co-pay for regular doc visits, $50 for specialists (both in network prices). I believe the deductible was 5 grand. And it didn't cover maternity.

 

post #38 of 47
Thread Starter 

I don't know all the details but I believe there are some situations if you have very few employees and do not offer a group health plan the employer can set up an HRA and fund that and then employees can use that money to pay premiums.  I

 

 

 

 

post #39 of 47

We pay $60/month for our very minimal insurance for the entire family.  Basically we pay for everything out of pocket until we reach our deductible (around $3K) and then it goes to an 80/20 plan with a max of $10K out of pocket. 

 

We don't have eye insurance and dental is an additional $10/month for the family. 

 

If we jumped up to any of the other plans offered by DH's insurance we would pay at least 3x as much. 

post #40 of 47
Quote:
Originally Posted by sunnysandiegan View Post

 

I just thought of an idea to run by DH and his boss. If we were to obtain individual coverage for DH for less than what they pay for his group coverage, will they cover the new premium instead (or the equivalent in some other fashion)? My plan is MUCH better than his and costs significantly less ($109 versus $283 for me; his may differ a bit, but we are the same age). The potential is there because several people already aren't on the group plan. I wonder if they receive other compensation. His boss wants to chat with me on my views on immunizations anyway, so this will be an easy conversation. (I'll discuss the idea with DH first, though.)

 

I don't know how it works, but I know that at DP's work one of the insurance options is "no coverage" and you just get a cash amount instead.  It's not tied in any way to the cost of insurance, though.

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