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Blu-ize
Plan B is Now Plan A
Member since 7/05 32475 total posts
Name:
Susan
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by mrsboss
with the 'best' plan at my job, I still pay about $200/paycheck ($400/month) out of pocket. with a $500 deductible and the coverage is only 95% of bills (this is the 'best' plan they offer)
 this is the worst coverage I have ever had with any job.
that's really not a bad plan at all. It could be far worse..read others.
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Posted 3/24/10 9:47 AM  |
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Long Island Weddings
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NoStressMom
My Heart and Soul
Member since 5/05 11122 total posts
Name:
D
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Re: Spinoff-So, how much do YOU pay for healthcare?
I pay for the family plan a monthly $338 and dental is $14.00 DH and I
So total a month is $352.00
$15.oo copays
$30.00 Specialist
Prescription plans is awesome $50 max for drugs
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| Posted 3/24/10 10:01 AM |
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lakadema
LIF Adult
Member since 5/08 1180 total posts
Name:
Danielle
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Re: Spinoff-So, how much do YOU pay for healthcare?
We pay nearly $1,000 a month for CRAPPY insurance with a HUGE deductible. When I was a teacher I was paying $215 a month for awesome coverage. After reading how little some people pay I now understand why you wouldn't mind paying a little more. I would have said the same thing a year ago before I had my son and was paying so little in insurance. However, now I definitely don't want to pay one penny more. It is becoming a financial hardship for me to stay home to raise my son with the insurance cost. 
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| Posted 3/24/10 10:44 AM |
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EckoRed81504
We are complete <3
Member since 12/07 6299 total posts
Name:
April
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Re: Spinoff-So, how much do YOU pay for healthcare?
almost $550 for me, dh and dd. No copay, high deductable. But once we reach the deductable, EVERYTHING is 100% covered.
Message edited 3/25/2010 7:56:17 AM.
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| Posted 3/24/10 2:06 PM |
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Aga
hello baby Albert
Member since 9/05 7750 total posts
Name:
Aga
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by leighdvm
About $400 per month, I think....
same
eta: that does not include dental...
Message edited 3/24/2010 3:56:07 PM.
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| Posted 3/24/10 3:49 PM |
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eroxgirl
My Loves
Member since 5/05 15697 total posts
Name:
Rebecca
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Re: Spinoff-So, how much do YOU pay for healthcare?
About $400 a month for a family plan, no dental, no vision and it no longer covers the full cost of my medical bills... I get additional bills every time I go for a blood test or a sonogram and since I'm pregnant, that's all the flippin time.
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| Posted 3/24/10 5:53 PM |
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Danyell48
LIF Toddler
Member since 6/09 391 total posts
Name:
Danielle
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Re: Spinoff-So, how much do YOU pay for healthcare?
.
Message edited 3/24/2010 10:04:12 PM.
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| Posted 3/24/10 9:30 PM |
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rojerono
Happiest.
Member since 8/06 13803 total posts
Name:
Jeannie
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Re: Spinoff-So, how much do YOU pay for healthcare?
I pay nothing. Employer covers me, my husband and our children. I don't know if that will change.
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| Posted 3/24/10 11:47 PM |
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klsnyc805
LIF Adolescent
Member since 11/09 578 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by KellyFG
we have a $5000 per year deductible-we have an HSA & we do not have vision or dental coverage
Same here...its our first year with an HSA so I am worried about going to the DR for the first time under this plan!
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| Posted 3/25/10 12:40 PM |
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MrsPornStar
Partners in crime
Member since 10/05 14656 total posts
Name:
Mama
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by MrsFlatbread
$200 per month for family coverage.
Dental and Vision is free
Same here. We are very fortunate that we (DH) have good coverage. When I had fertility treatments to get pregnant with DS, we paid nothing.
I also pay an extra $30 a month for dental through my job since my dental is better than DH's.
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| Posted 3/25/10 12:54 PM |
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nrthshgrl
It goes fast. Pay attention.
Member since 7/05 57538 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
$0 for me on my own plan
$0 for DH, me & 2 chidlren on his plan
If I opted for family coverage (family of 4) on my plan, it would be $300/mo.
COBRA would be $1,786/mo.
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| Posted 3/25/10 1:09 PM |
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stickydust
Now a mommy of 2!!!
Member since 4/06 3164 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
We pay $277 a month through DH's emplyer (family of 4). This is for health, dental and vision. REALLY exceptional coverage too!
ETA: We have no copys either. It is a self-funded EPO.
Message edited 3/25/2010 1:37:12 PM.
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| Posted 3/25/10 1:17 PM |
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yankinmanc
Happy Days!
Member since 8/05 18208 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
I pay 9% of my salary, I have no co-pays, prescriptions for my children are free, and at the moment they are free for me as I am maternity exempt. I can go see my GP everyday if I want with no charges at all, I receive no hospital bills, no copays nada.
I personally am a huge fan of socialised medicine and that would keep me from moving back to the states.
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| Posted 3/25/10 1:23 PM |
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DirtyBlonde
*****
Member since 11/07 7344 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
PPO, Dental and Vision - I pay about $150 per month
Message edited 12/17/2012 10:31:45 PM.
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| Posted 3/25/10 1:30 PM |
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stickydust
Now a mommy of 2!!!
Member since 4/06 3164 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by racheeeee
I pay 9% of my salary, I have no co-pays, prescriptions for my children are free, and at the moment they are free for me as I am maternity exempt. I can go see my GP everyday if I want with no charges at all, I receive no hospital bills, no copays nada.
I personally am a huge fan of socialised medicine and that would keep me from moving back to the states.
I am not trying to be argumentative or snarky - I am just honestly really curious how this works. 9% seems like a significant amount of money to me. Even if I factor it out at a salry siginificantly less than mine it seems like a large portion of someone's salary who does not make that much to begin with. I would say with my current insurance I have pretty much the same benefits (no copays, can see my doctors whenever, $5 presriptions, my DS's formula has been free and delivered to us) - I know that not everyone has this and that is a shame.
Like I said - I am honestly curious so please do not take it the wrong way because it seems that for the amount that you pay you SHOULD be getting everything you do. Does EVERYONE pay this is or is there a certain income level that is exempt?
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| Posted 3/25/10 1:36 PM |
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Nik211
my little monkey<3
Member since 5/08 3303 total posts
Name:
Nik
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Re: Spinoff-So, how much do YOU pay for healthcare?
i have to double check with DH but i think it's around $300 a month for both us and i don't think it goes up if we have a kid...i think when he added me as a spouse he had to get the family plan even though there are just two of us...this is through his job..
i know that before he added me he paid a lot less - and mine was about $40 a month through my job when i was working...
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| Posted 3/25/10 1:49 PM |
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PumpkinGirl
:o)
Member since 10/08 1838 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
It is $650 per month for DH & I.
I pay half & employer pays half.
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| Posted 3/25/10 1:57 PM |
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SecretTTCer
LIF Adult
Member since 6/08 2284 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
Nothing. I have amazing health insurance that covers my family for free. It covers everything in-network, 80% of out of network charges, and my deductible is only $550 so anything out of pocket past that is covered as well.
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| Posted 3/25/10 4:21 PM |
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yankinmanc
Happy Days!
Member since 8/05 18208 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by stickydust
Posted by racheeeee
I pay 9% of my salary, I have no co-pays, prescriptions for my children are free, and at the moment they are free for me as I am maternity exempt. I can go see my GP everyday if I want with no charges at all, I receive no hospital bills, no copays nada.
I personally am a huge fan of socialised medicine and that would keep me from moving back to the states.
I am not trying to be argumentative or snarky - I am just honestly really curious how this works. 9% seems like a significant amount of money to me. Even if I factor it out at a salry siginificantly less than mine it seems like a large portion of someone's salary who does not make that much to begin with. I would say with my current insurance I have pretty much the same benefits (no copays, can see my doctors whenever, $5 presriptions, my DS's formula has been free and delivered to us) - I know that not everyone has this and that is a shame.
Like I said - I am honestly curious so please do not take it the wrong way because it seems that for the amount that you pay you SHOULD be getting everything you do. Does EVERYONE pay this is or is there a certain income level that is exempt?
Salaries in the UK are lower numberwise than salaries in the US are, so a really good salary might only be, oh say, £35K while in the US $35K might be considered a lower salary. Everyone pays the same exact thing, and everyone, whether you are employed currently or not gets the same exact thing, if you are from a lower income bracket, you probably don't have to pay £7 for your prescriptions, and I know in Wales prescriptions are free. Dental is also free if you can get in with an NHS dentist. My NHS contribution isn't taxed further, like I believe that your healthcare is benefitwise. Attitudewise people are happy to pay this so that everyone can have healthcare, whether you are a citizen or not, regardless of colour, creed, race etc. Its just a different thing completely here. I don't know if I answered your questions or not...but everyone who is employed and makes over a certain amount (you can make a certain amount of money before you are taxed)
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| Posted 3/25/10 4:44 PM |
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Sellazz
LIF Adolescent
Member since 2/09 758 total posts
Name:
Anne
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Re: Spinoff-So, how much do YOU pay for healthcare?
I think it is around $250 per month (it is through DH's employer). That is for Family plan and will stay the same whether or not we have children.
We have no co-pays, and pay close to nothing for prescriptions.
Our Dental and Vision are covered too. They differ slightly but for us it works out pretty well.
We are lucky.
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| Posted 3/25/10 4:59 PM |
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mikeandjess
LIF Adult
Member since 10/07 2278 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
My company covers my full health care cost but I still pay $159/month for DH. It's a family plan so when/if I have kids it'll be the same price. I'm not complaining, what DH was paying was nothing short of highway robbery.
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| Posted 3/25/10 6:14 PM |
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KLSbear
LIF Adult
Member since 1/06 1908 total posts
Name:
Karen
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by KLSbear
I'm astounded to hear how many pay nothing or relatively little. I'm wondering how many of those same people know the true cost of their health care - what their company is paying for that coverage.
Our health care was just over $6800 in payroll deductions last year - that's just for me and DH. No dental and just discounts on vision care. With co-pays, prescriptions, dental and vision care expenses we spent just under $10,000 for our health care last year.
We just got our new info from DH's employer and our insurance is going up by almost $1200 a year.  I'm grateful that they are not reducing the coverage, but it's getting more and more expensive when our property taxes go up and we have pay cuts at work.
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| Posted 3/25/10 6:47 PM |
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astroqueen74
Vibrant Health
Member since 1/07 2822 total posts
Name:
Karina
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Re: Spinoff-So, how much do YOU pay for healthcare?
for the 3 of us about $400 a month and includes dental and vision. We have a PPO.
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| Posted 3/25/10 9:00 PM |
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MrsRivera
2 under 2...whew!!
Member since 2/07 9876 total posts
Name:
Beth
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Re: Spinoff-So, how much do YOU pay for healthcare?
Posted by racheeeee
Attitudewise people are happy to pay this so that everyone can have healthcare, whether you are a citizen or not, regardless of colour, creed, race etc. Its just a different thing completely here.
Not to start a political discussion, since I know that's not what the OP was looking for, but...I think it's refreshing to hear this point of view from someone who is extremely happy w/ socialized medicine, and would be deterred from moving back to the states because of it.
It's no secret that in the U.S., far too many people are "left out in the cold" when it comes to health benefits. And everyone is getting all up-in-arms about having to pay the way of those who don't have insurance...but come on, who do we think is paying for it now, the way things are???
To answer the original question (and to help illustrate my point): We recently switched insurance to my DH's plan. It's a family plan which covers DH, myself, our DD, our DS on the way, and any other children we may have in the future.
The cost is $950 per month, and DH's boss only pays $150 of it (small business). So, it's costing us $800 a month...WAYYYY more than the 9% that people in the UK are paying.
We thought I would make out better with my insurance--I'm a public school teacher in NC. I was covered 100%, but it would have actually cost us MORE to have DH and our kids under my plan.
It's sickening.
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| Posted 3/28/10 12:03 PM |
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alisha
LIF Adult
Member since 3/07 1199 total posts
Name:
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Re: Spinoff-So, how much do YOU pay for healthcare?
It is so interesting to see the responses.... from paying nothing to thousands of dollars a month... and that is just the premium!
We are fortunate to pay $200 a month pre-tax for a family plan.
Copays are $20 for office visits and prescription drugs. We have a $300 deductible for everything else, then pay 10% coinsurance to a $2000 out of pocket maximum.
My company only has high deductible health plans with high out of pocket maximums so I feel very lucky to be covered under DH's plan.
However there is a trade off - he is not paid what he is worth, but we deal with that b/c his benefits are top notch.
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| Posted 3/28/10 12:21 PM |
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