What do you pay for medical insurance?
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2008-12-27 10:49 AM |
Pro 4827 McKinney, TX | Subject: What do you pay for medical insurance? My wife and I were just discussing this. The medical insurance for my family and I provided thru the company I work was completely paid for by the company in 2000. Now, I'm paying $245/month for the family. I still consider this pretty cheap. What do you pay for insurance for your family? Or for yourself?
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2008-12-27 11:17 AM in reply to: #1873432 |
Extreme Veteran 700 Tucson | Subject: RE: What do you pay for medical insurance? Ours is mostly paid for by work as well. My husband and I discovered it is cheaper for each of us to pay for our own insurance. So we pay about $800/yr each for medical, I pay $90/yr for dental (he got the free plan), and I think I added on the premium vision plan @ $16/yr. He has good eyes. This will all change someday with a kid in the picture, but for now it works great! |
2008-12-27 12:17 PM in reply to: #1873456 |
Subject: ... This user's post has been ignored. Edited by Zilla 2008-12-27 12:18 PM |
2008-12-27 3:12 PM in reply to: #1873432 |
Expert 1288 Hatboro, PA | Subject: RE: What do you pay for medical insurance? Right now, I pay nothing for medical/dental/vision insurance for myself. On 1/1/2009, I will start paying $90/month for medical insurance. Dental/vision will continue to be free. The health care coverage is one of best perks of my job, besides the pension plan. |
2008-12-27 4:01 PM in reply to: #1873644 |
Master 1914 Finally north of the Mason-Dixon Line | Subject: RE: What do you pay for medical insurance? phillybarb - 2008-12-27 3:12 PM Right now, I pay nothing for medical/dental/vision insurance for myself. On 1/1/2009, I will start paying $90/month for medical insurance. Dental/vision will continue to be free. The health care coverage is one of best perks of my job, besides the pension plan. and where might you work? are they hiring? |
2008-12-27 4:16 PM in reply to: #1873432 |
Resident Curmudgeon 25290 The Road Back | Subject: RE: What do you pay for medical insurance? More next week than this week. For less coverage. |
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2008-12-27 6:44 PM in reply to: #1873432 |
Pro 4189 Pittsburgh, my heart is in Glasgow | Subject: RE: What do you pay for medical insurance? We got very lucky, and with Pat's insurance, we don't pay. It is included in his salary (or I guess in addition to, since it is not subtracted from his wages) . Pat's boss is a sort of evangelist for health care coverage, having grown up in Pakistan and seen how much health care impacts the life of a family, and the life of the worker. He is a very smart man, who cares very much about the connection between productivity and happiness of the worker, and he's told us man times that people worrying about the cost of medications and insurance are not able to work to their full potential, so as a business owner, it makes economic sense to him to pay for it (and use it as a recruitment tool). Edited by phoenixazul 2008-12-27 6:44 PM |
2008-12-27 7:57 PM in reply to: #1873432 |
Expert 852 Evergreen, Colorado | Subject: RE: What do you pay for medical insurance? We're both self-employed, so it's not cheap. We pay about $600/month for me, my husband, and our 2 year old daughter. Deductible is $2,000, but the insurance covers office visits and shots for our daughter (which was important when she was a baby). I'm thinking of changing to a cheaper plan though, now that she's older - I'm still having to pay out of pocket for blood tests (on a regular basis since I have thyroid issues), and I'm wondering why I pay so much for so little. Might as well have a plan for more catastrophic events and save some $/month. I miss the days when I had a corporate job and paid $50/month. Well, no, I don't - hated the job - but I sure wish our healthcare system was a bit more friendly to us self employed types! |
2008-12-27 9:04 PM in reply to: #1873432 |
Champion 9430 No excuses! | Subject: RE: What do you pay for medical insurance? Wife is a teacher and I am self employed so we pay nothing. One benefit of working for Uncle Sam, he seems to take care of his own peeps. Also love the medical rider they provide. 37 times a year I can get a chiropractic adjustment and a hour massage for....$0. Can't beat that! |
2008-12-28 7:44 AM in reply to: #1873688 |
Expert 1288 Hatboro, PA | Subject: RE: What do you pay for medical insurance? houston-tri-mama - 2008-12-27 5:01 PM phillybarb - 2008-12-27 3:12 PM Right now, I pay nothing for medical/dental/vision insurance for myself. On 1/1/2009, I will start paying $90/month for medical insurance. Dental/vision will continue to be free. The health care coverage is one of best perks of my job, besides the pension plan. and where might you work? are they hiring? I work for my local county government. Unfortunately, we have been in a hiring freeze since September. We do have openings, but nobody can fill them. Oh, and I didn't add that I could continue to have free medical insurance on 1/1/2009, if I changed to the HMO plan that is offered. My costs are from staying with the PPO plan. |
2008-12-28 9:11 AM in reply to: #1873432 |
Elite 2527 Armpit of Ontario | Subject: RE: What do you pay for medical insurance? The thought of having to pay out of pocket for something as essential as healthcare is mind boggling to me. Mind you, over 35% of our salary goes to taxes...
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2008-12-28 9:40 AM in reply to: #1873432 |
Champion 6962 Atlanta, Ga | Subject: RE: What do you pay for medical insurance? We pay $67.72 every 2 weeks. That covers both of us. We have a High Deductable plan and they (Aetna) put in $300/month into an account for us to use towards medical expenses. We took the gamble that we would be ok for the first year and then they basically have paid the deductable. It also includes free physical every year, all of Nan's girly stuff, 2 dental cleanings and x-rays, $300/yr for glasses and a free exam. All of this is FREE and included. If you're healthy, take a look at a HHD plan. I was uncertain at first and it's pretty good. It even covered Nan going to the dermatologist for her hands. |
2008-12-28 10:28 AM in reply to: #1873432 |
Champion 10668 Tacoma, Washington | Subject: RE: What do you pay for medical insurance? My company-supplied plan was $30 per person per month last year, but as of July, it'll go to $0. Gotta love that. |
2008-12-28 11:13 AM in reply to: #1873432 |
Champion 4902 Ottawa, Ontario | Subject: RE: What do you pay for medical insurance? I'm retired now so I have to pay $14 per month for medical insurance. |
2008-12-28 1:39 PM in reply to: #1873432 |
Expert 819 In the Shadow of the Big House | Subject: RE: What do you pay for medical insurance? I am self employed but able to participate in a group health plan because of some professional memberships. The plan I have for my family costs us $2200 per quarter which is on the high side, but it is a great plan. I have virtually no other out of pocket expenses (except for Birth Control pills! Viagra would be free, but birth control we have to pay for...go figure) |
2008-12-28 1:56 PM in reply to: #1873432 |
Veteran 150 | Subject: RE: What do you pay for medical insurance? Overall, our isurance went up about $200.00 per month, to about $647.00. In the process, we lost our compny paid life insurance, went to a lesser dental plan, and a higher deductable on the health insurance. We had a company rep come in and was pushing a plan that I'm sure we'll see more of, the Health care Savings account (HSA) that carries a 3000.00 deductable and then pays out only as much as we have saved up in our account. This year, the company is gracius enough to give those selecting this option $1000.00, placed into the HSA. Ye-Ha! Doug |
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2008-12-28 2:48 PM in reply to: #1873432 |
Subject: ... This user's post has been ignored. Edited by AcesFull 2008-12-28 2:50 PM |
2008-12-28 5:38 PM in reply to: #1873432 |
Expert 1070 Denver Area | Subject: RE: What do you pay for medical insurance? I think what you're paying is inexpensive. IF we took the insurance through his company it would be upwards of $700/month. They'll only pay for dental. We are insurance-less, choosing to pay outright for Doc visits for Toddleator, and anything else. Barring anything tragic (knock on wood) we're OK. I tried to get gap insurance, but my husband makes too much $$. What's F^*#d up is that IF he gets laid off, then we could get full benefits along with the welfare. Howzat for screwy? It feels as if we're punished 'cause he makes too much money. Edited by AdaBug 2008-12-28 5:38 PM |
2008-12-29 6:27 PM in reply to: #1874704 |
Master 1853 syracuse | Subject: RE: What do you pay for medical insurance? AdaBug - 2008-12-28 6:38 PM I think what you're paying is inexpensive. IF we took the insurance through his company it would be upwards of $700/month. They'll only pay for dental. We are insurance-less, choosing to pay outright for Doc visits for Toddleator, and anything else. Barring anything tragic (knock on wood) we're OK. I tried to get gap insurance, but my husband makes too much $$. What's F^*#d up is that IF he gets laid off, then we could get full benefits along with the welfare. Howzat for screwy? It feels as if we're punished 'cause he makes too much money.
I could never go uninsured like that. something catastrophic could wipe you out. id pay the $700/month and wouldn't think twice...what about disease specific polices that cover certain conditions that are crazy expensive to treat....something? |
2008-12-29 7:21 PM in reply to: #1873432 |
Master 1728 portland, or | Subject: RE: What do you pay for medical insurance? I've been paying over $500.00 per month for health, dental, and vision through COBRA. Starting in January I'll be paying $360 a month, but with a much larger deductible ($2,500) and less coverage. My GF has the same plan that I'm going on. Basically we're covered well enough that if anything serious happens we should be able to avoid bankruptcy. It's the little things that we'll likely just deal with as opposed to seeing a doctor. scott |
2008-12-29 8:48 PM in reply to: #1873432 |
Master 2571 Tiger's Den | Subject: RE: What do you pay for medical insurance? I think we pay $40 per month for a High deductable plan. Basically we pay the first $3000 in costs, prescription and otherwise, and after that they pay 100%. Even if we paid the $3000 and the $40 per month, we'd come out better than insuring through my company where the monthly fee is $345 per month. Plus we started a health care flexible spending account so that any money we do spend we can be reimbursed tax free. |
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2008-12-29 8:54 PM in reply to: #1876662 |
Extreme Veteran 557 | Subject: RE: What do you pay for medical insurance? I would go crazy if I didnt have insurance...everytime I was out on the rode riding my bike thats all I would think about |
2008-12-30 6:57 AM in reply to: #1873432 |
Expert 1158 A Husker stuck in VA | Subject: RE: What do you pay for medical insurance? Zip, zilch, nada, zero. Well, unless you count blood, sweat, tears and being deployed as cost Medical benefits for active duty personell is free. There is no major medical facility here either so my families doctor visits and hospital bills are covered. On a rare occasion I have a co-pay, usually for dental, for the family. I remember complaining as a single guy that medical wan't really a benefit I counted since the most I used it for was tylenol when I had a hang over. Then I got married and had a wife with cancer that went through Chemo and Radiation therapy, had an extreme premie and three knee surgeries. Now it is at the top of my bennies list. |
2008-12-30 8:00 AM in reply to: #1877326 |
Pro 4827 McKinney, TX | Subject: RE: What do you pay for medical insurance? NavyTRIChief - 2008-12-30 6:57 AM Medical benefits for active duty personell is free. I count the blood, sweat, tears, & time away from family. Yours is probably the most expensive there is. And I appreciate your sacrifice.
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2008-12-30 8:05 AM in reply to: #1873432 |
Elite 3371 | Subject: RE: What do you pay for medical insurance? I have the cheapest medical insurance provided by my employer. *Knock on wood* I very rarely get sick or go to the doctor / hospital. In fact, I didn't use my insurance once in 2008. I pay ~$30 a month. If/when kids enter the picture....no more cheapo insurance. |
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