So at my work we just got a new health insurance provider. And they were nice enough to tell me it would still cost me near 200 a month for health, dental and so forth... Seems pretty expensive since I would like to go to the dentist 2 times a year... check ups and cleaning... when i am lucky to go to the doctor one time a year... And I would like to get braces but it wont cover any of that. It is jus making me rather upset. How much you pay and what do you go through?
Health Insurance... How much you pay?
- Thread starter MoNsTaMaCk24
- Start date
Mine is $210 a month with discounts for non-smokers which drops it to $160. We have a $20 co-pay for doc visits. I think it is a $1000 individual deductible and a $2000 deductible for family for major surgeries. It is a PPO through Aetna. No dental or vision. That is another policy if I want it.
My wife carried dental thru her employer free but she is getting laid off Jan 9th so we won't have the coverage anymore. At one time all of her coverage was paid for by the company but after September 11th 2001 things just were not going well for Northwest Airlines so they started charging $200 a month. Paycuts and layoffs are the norm there and now she is out of a job. Northwest Sucks.
My wife carried dental thru her employer free but she is getting laid off Jan 9th so we won't have the coverage anymore. At one time all of her coverage was paid for by the company but after September 11th 2001 things just were not going well for Northwest Airlines so they started charging $200 a month. Paycuts and layoffs are the norm there and now she is out of a job. Northwest Sucks.
BennyBlown2v
New Member
I pay nothing. My dad is a physician at a major medical corporation which doubles as an insurance provider - full coverage for all immediate family.
It all depends on what I want to pay for. We have plans that lower the deductible to 500 or even 250 with an increase of monthly payments but how many times a year do you go in for major surgery? I chose the one that benefited my situation.
My dad is retired from the IBEW (electricians union) and his insurance though them was quite a bit. He found a policy thru Blue Cross that was cheaper with the same coverage. Some research helps when it comes to these things for sure.
I have a pretty good one its the POS plan its 75 a month and it covers everything except laser eye surgery. I think the deductable is 20 bucks. But the downside of of it is the job i have, its only good because its a dangerous career thats why im trying to get my degree online 
and kiss the oil field by by
and kiss the oil field by by
jstreet0204
Active Member
I think I pay somewhere around 150 a month for me and my son. No deductibles, just a $15 copay. It was only a few years ago, that I only paid about $15 a month for the same coverage. Of those were also the days when my bonus was over 10k every year too. Insurance, Healthcare, pharmaceuticals are all a HUGE out of control money pit.
Crzyhrse
Active Member
I pay $75 a month for Group Health Insurance (Self Only). Vision is just a $15 office visit. Dental is a $50 deductible and they pay $1,000 of dental for a calendar year. Prescription drugs is $15 for a 30 day supply of generic and $25 for a 30 day supply of brand name. Would this be all they would charge you for some of those really expensive prescription drugs you hear some people are paying?? The booklet really does'nt say. I'm lucky if I pop 12 aspirin in a year. The Catastrophic Care is hazy in the booklet. I'd have to ask a Group Health rep for a clearer explanation of the deductibles for that.
mineralgray2002
New Member
i dont pay anything, my mom works at a hospital so im covered under her and my stepdad pays through bnsf so im completely covered. Its awesome, i had a 15k surgery and it got it down to our deductibe only
Skidzz
Tinkerbell
Damn, you guys pay a lot. I thought mine was bad, but I only pay about $100 per month. Although, the coverage kind of blows and it's a PITA having to make sure that I go somewhere that's in my "network."
VicRattlehead
Founding Member
mines about 70 bucks a month. id have to get the book out to find out what exactly it covers but from what i remember its a good policy.
DocG
5th graders > me. They're not bant
Mine used to be free for my wife and I through my work. After the last contract period I now pay like $10 a month. HMO, so everything is $10 a visit, and prescriptions are pretty cheap....and I've never had a problem with not being able to see a good doctor....helps living near a big city I guess. Now that my wife is working full time and has access to her insurance, I have to pay an extra $50 a month since she opts out of hers.
Gotta love working for schools....and the huge teacher union Although stupid Ohio wants to force all government employees onto the same health plan, which would be good for small cities and stuff, but terrible for large cities like Cincy...
Damn government trying to undermine collective bargaining.
Gotta love working for schools....and the huge teacher union
Although stupid Ohio wants to force all government employees onto the same health plan, which would be good for small cities and stuff, but terrible for large cities like Cincy... Damn government trying to undermine collective bargaining.
A lot of you guys are really lucky. Free is awesome. Most policys are running employers $6-10k/yr each for individual and $12-20k/yr for family policys. My employer was actually happy that their rate didn't have a double-digit percentage increase from 2006-2007.
My HMO used to be $14/mth, and now I switched to PPO, which runs me about $25/mth. I haven't been to a Doctor in 3 years. No need to.
My HMO used to be $14/mth, and now I switched to PPO, which runs me about $25/mth. I haven't been to a Doctor in 3 years. No need to.
Insurance is so ghey... The way I look at it is why should I pay 150 a month... Lets say I get one surgery in 20 years... Id have enough to pay for it anyway. My g/f had a surgery done to her ears and she had no health insurance. She got all kinds of crazy discounts. And best part of all you can setup a payment plan at hospitals and they cant neglect any amount of money.
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