Health Insurance Question

posted 3 years ago in Wellness
  • poll: How much do you pay for health insurance a month?
    Less than $100 : (24 votes)
    46 %
    $100-150 : (13 votes)
    25 %
    $150-200 : (4 votes)
    8 %
    $200-250 : (3 votes)
    6 %
    More than $250 : (8 votes)
    15 %
  • Post # 3
    6928 posts
    Busy Beekeeper
    • Wedding: March 2012

    We get ours through DH’s job and it’s around $100 per month, I think. The rates at my job are ridiculous and it’s over $100 for me alone, which is why we opted to both be on DH’s. We’re on our own dental and vision, as it’s cheaper for us to be separate for those.

    ETA: Since I’m not sure on the exact number, I didn’t vote.

    Post # 4
    1177 posts
    Bumble bee
    • Wedding: February 2014

    Insurance is free through my husband’s job.  We have a $1000 deductible per year.

    Post # 5
    9949 posts
    Buzzing Beekeeper
    • Wedding: June 2013

    Ours just went up a bit, but now it’s a PPO instead of an HMO.  My deductible is $0.  I used to pay $92/month, and starting…maybe next pay period?…I’ll be paying $100.  

    Post # 6
    9949 posts
    Buzzing Beekeeper
    • Wedding: June 2013

    @MrsN14:  Your school might offer insurance.  Most schools require that full-time students are insured, and so they offer plans and such.

    Post # 7
    140 posts
    Blushing bee
    • Wedding: April 2015

    Mine is $364 an month for private individual coverage as I’m self employed. I don’t have any deductables, but frankly the coverage isn’t that great. Additional copays for medication and doctors visits average another $100 a month. Kaiser sucks! 

    Post # 8
    3084 posts
    Sugar bee
    • Wedding: July 2014

    I have a PPO and I have no deductible for doctors on the plan. No deductIble for prescription meds either. I think I pay $150 a month for just myself. I’m going to be putting my fiancé on once we get married & then it will go up. 

    ETA: that includes the dental. And I have $15 co-pays

    Post # 11
    6631 posts
    Bee Keeper
    • Wedding: June 2011

    How old are the both of you?  IF you both are still under 26 you can still be on your parents insurance. 

    I work in the health insurance industry, so my insurance is through my employer. I have an HRA so my company matches the first 600.00.  Currenty I have employee/child coverage. 

    Post # 12
    845 posts
    Busy bee
    • Wedding: June 2013

    Mine used to be $18/month and now it’s $48/month thanks to Scott Walker.

    Post # 13
    2076 posts
    Buzzing bee
    • Wedding: July 2012

    My husband and I pay about $500 a month through his job for our health insurance. we have no deductible and $15 copays, medications run from $5-$20 depending. We have an HMO. 

    I know that we pay a lot but I’m the opposite of healthy. I have a few medical conditions that require medications that run up to $5,000 per month without insurance. We picked the “Cadillac” plan if you will, knowing it was vital I be able to keep my same doctors (who don’t take the other, cheaper plans offered by his employer). 

    For what you need, $200 a month sounds reasonable if that covers both of you. 

    Post # 14
    2076 posts
    Buzzing bee
    • Wedding: July 2012

    @FoxyBride14:  Kaiser does suck!  I had to a turn down a job offer because Kaiser was the only plan offered. I hear its great if you are healthy but if you get sick (like seriously ill or hurt), they are terrible!

    Post # 15
    8847 posts
    Buzzing Beekeeper
    • Wedding: August 2013 - Rocky Mountains USA

    Ugh, mine sucks. I pay $250/mo for the high deductible ($2500) version. 

    Here’s the thing that kills me: my male coworkers pay HALF what I do, for the same goddamn insurance! Literally the ONLY difference is that I have a uterus! I am incredibly healthy, no medications, no conditions, nothing. 

    Come on Obamacare! Can’t wait for that BS to be outlawed. 2014 here we come.

    (sorry for the tangent)

    Post # 16
    10883 posts
    Sugar Beekeeper
    • Wedding: May 2009

    @MrsN14:  I haven’t had my own policy for several years (I’m on DH’s benefits now), so some things definitely may have changed. However, an HMO is a health maintenance organization. Generally, your PCP (primary care provider) must decide whether you need to see a specialist and provide his or her approval as well as a direct referral to a specific physician.  HMOs tend to focus on preventive care and controlling costs, and less on patient choice. PPOs are preferred provider organizations, and generally a patient is able to self refer to a specialist of his or her choice, as long as he or she is on a list of preferred/participating providers. They tend to be more expensive.

    I will defer to anyone who has more current information, however.

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