Ah, my favorite topic; ranting about crappy teacher benefits. It does vary greatly depending on the district.....overall, I think CA has the best health benefits for teachers and their families, many districts cover the family entirely at no out-of-pocket charge (of course, that might be an hmo as opposed to a ppo, but at least they offer it, yk?). When dh was working at a district in Northern Ca, it would've been 180.00/month to add me and ds1 to a good PPO plan. We could've been on Kaiser for cheaper. When we moved to IL, it would cost 500/month to add us (doesn't matter if you have one child or 10, the cost is the same). We couldn't afford it so got private crappy ins. for me and the ds's for 180/month. However, there were other districts in IL that did have better benefits......
Now we're in AZ, and dh has worked for two districts. For each, it would cost a whopping 800.00/month to add us. Needless to say, we aren't on his ins.
We pay out of pocket for a so-so plan. I will say that dh has been covered for free at all his teaching jobs, and the insurance is excellent. Just wish they'd provide it at a reasonable cost for us. Starting pay for teachers in AZ is about 26K. Not the type of salary where one can afford 800/month in insurance. Oh, this is also a right-to-work state where unions are extremely weak; I'm not sure why they even bother to be honest (I am a union supporter, and dh joined the weak union). I think there are only a few districts in the entire STATE that have reasonable health insurance rates (and I consider 300 or less reasonable for the salary here).
The lack of good health benefits really upsets me. We've seriously considered moving back to CA to get good healt benefits.....but, then we can't afford a house, lol.