POLL: Health Insurance Out Of Pocket Costs

Please take my poll. I'm looking for cost per person, not for a full family. Also, for medical insurance only...no dental, vision, etc.

TIA.

Re: POLL: Health Insurance Out Of Pocket Costs

Didn't vote, but we pay WELL over $200 a month for a family plan. Plus then all the copays for office vistis and medication.

Re: POLL: Health Insurance Out Of Pocket Costs

I don't pay for Dental, but for the best plan, just for me is $30/mth.

Re: POLL: Health Insurance Out Of Pocket Costs

my Option isnt on the poll, FH owns his own business and he pays for all his employees health benefits. They do not have to put in at all. He also pays mine as well, i work with him.

Re: POLL: Health Insurance Out Of Pocket Costs

My employer used to pay entirely, untill about 2003) but now I think it's about $40/month for 1 person. There is some discrepency as to weather the dental is free or included in that number.

I use DH's which is about $30 for 2 people. It's not much more than the 1 person fee.

Re: POLL: Health Insurance Out Of Pocket Costs

When I was working and paying my insurance for myself, I paid 33 bucks a check which I got biweekly.

Re: POLL: Health Insurance Out Of Pocket Costs

Family plan is free for DH's plan.(Local#3/IBEW)

Family plan would be $75/month if I opted for it with my plan (I don't). For the employee only, it's free. (Software company)

Re: POLL: Health Insurance Out Of Pocket Costs

I don't pay very much, most of the companies I have worked for have good programs.

Re: POLL: Health Insurance Out Of Pocket Costs

Zero. The Australian government pays for full medical. I have private health insurance that covers dental and eye glasses for $50 a month for my husband and me.

Re: POLL: Health Insurance Out Of Pocket Costs

The premiums are about $80/mo but the out of pockets costs for me are about $120/month including co-pays and medicine.

Think of it on a yearly basis and how much your co-pays will be for regular docs and specialists. I pay $20 for a regular doc and $30/visit for a specialist.

Re: POLL: Health Insurance Out Of Pocket Costs

Many single plans are free or a nominal fee.

The out of pocket costs can really escalate when you have a family plan as most employers make you pick up a considerable percentage.

It's also important to consider the flexibility and acceptance of the plan. For example, my plan the co-pays are still pretty low compared to many other companies. On DH's plan, we will be paying a $60 (X2) co-pay each time one of our children needs to go in for a routine well visit. His prescription plan isn't any better. If I decide to take an extra year leave from teaching, we will have to be on his plan but mine is much better. You also want a plan that is widely acceptable by doctors, as you want to be able to go where the best care is. No one thinks they will have to face this issue but both myself and my father have in the last ten years.

This is THE ISSUE that is keeping my school district from settling a contract with the teachers. Ten years ago many of us were single and the costs were much lower. Things do eventually change, many of us have families or on-going health issues and expenses are increasing. A higher salary rarely makes up for it. If you check your health insurance statements you will see the real cost of routine treatments (what you would have to pay if you did not have coverage) is staggering. I have to get a sonogram for every OB visit.... that alone is $600!!! Imagine paying that out of pocket every two weeks and now every week?

The district's latest offer was a 3% raise and for us to pay well over 25% of our insurance. With numbers like that I'd be rolling back my salary to at least 1998 We are already at the bottom fifth in pay of all districts on LI. Hence, picketing has started.

This is why my original post on your other thread stressed benefits so much.

Fifteen years ago my father very much saw the future when he pulled me aside and said, "What will separate the have's vs. the have nots in your generation is not $$$ but access to health care." It's only in the last few years do I realize how right he was.

Just make sure you weigh everything very carefully and definitely account for the unwelcomed and unexpected.

Re: POLL: Health Insurance Out Of Pocket Costs

I pay just under $2K a year for me & DH - that's just for medical.

Re: POLL: Health Insurance Out Of Pocket Costs

Re: POLL: Health Insurance Out Of Pocket Costs

I clicked on 1-50 which by mistake. That is what it was to cover me on DH's but it really is 100-150 to cover both of us for medical/dental/prescription/vision

Message edited 3/13/2007 9:32:21 AM.

Re: POLL: Health Insurance Out Of Pocket Costs

$142/month just for me, but the plan includes meager dental ($5 cleaning, $15 xrays, etc.)

Its a lot, but its still cheaper than a healthy NY plan or paying privately.

Re: POLL: Health Insurance Out Of Pocket Costs

way over 200 for myself, my DH pays for it through his company.

Re: POLL: Health Insurance Out Of Pocket Costs

i pay 971 per month for my health insurance with 150 drug deductable 5 generic 10 brand copay for drugs 10 copay for doctor visits. this is just me not for both of us.

Message edited 3/13/2007 2:36:28 PM.

Re: POLL: Health Insurance Out Of Pocket Costs

I pay under $40 for DH and I including vision and presciption through work. No co-pay but $200 each person annual deductible.

Re: POLL: Health Insurance Out Of Pocket Costs

Neither of us has health insurance through work. We pay about $115 each per month for our coverage.

Re: POLL: Health Insurance Out Of Pocket Costs

Posted by Tah-wee-ZAH

The district's latest offer was a 3% raise and for us to pay well over 25% of our insurance. With numbers like that I'd be rolling back my salary to at least 1998 We are already at the bottom fifth in pay of all districts on LI. Hence, picketing has started.

Re: POLL: Health Insurance Out Of Pocket Costs

I pay $16 for my medical per month....and this is a recent thing. It used to be ocvered 100% by my company.

Re: POLL: Health Insurance Out Of Pocket Costs

We pay 180 a month for the 2 of us, and this is through my job, as my husband's job does not offer insurance yet.

In response to Tah-Wee-Zah's comment about being careful with who accepts it, etc, its not easy to be picky about health insurance. I work for a very large corporation, based out of Georgia, and our health insurance is through a company widely known out in the South, but not in the Northeast. I am glad I have ANY coverage, and in all of my encounters with medical issues, have always been given the best care, regardless of who my health care provider was.

Re: POLL: Health Insurance Out Of Pocket Costs

Posted by MrsS2005

Posted by Tah-wee-ZAH

The district's latest offer was a 3% raise and for us to pay well over 25% of our insurance. With numbers like that I'd be rolling back my salary to at least 1998 We are already at the bottom fifth in pay of all districts on LI. Hence, picketing has started.

Do you know what the contributions are for teachers in nearby districts? That seems like a huge contribution for teachers. Teachers in my state don't pay anywhere near that amount.