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Just curious...
I'm taking a new job and currently hold private insurance (My husband and I pay for our own insurance premiums - our employers do not provide any health care benefits).
But when I looked at the benefit plan for the new company, the amount that I would be responsible for paying is MORE than the insurance premiums on the plans we have now! And our plans aren't bad plans - the difference in coverage is only a tiny bit better for the new plan.
So, I'm curious....(if you feel like sharing) what do you pay for your health insurance premiums? I've been paying for my own insurance for so long, I don't even know what's "normal" anymore???
way to much. i'll leave it at that.
For health insurance I pay about $40/month (my employer pays the rest at about $300/month) and I pay $30/month dental
For medical I pay $69.77 per month, dental is $6.5 per month, vision is .87 per month. This is with an employer program in which our employer pays 83% and the employee pays 17%.
I pay for my own private insurance, as my employer doesn't provide it. I pay $178.00 for an Anthem Blue Cross plan. I think my FI pays about $80 for his employer sponsored plan.
I have private insurance and I pay $115/month... BUT it really sucks. I have a $5,000 deductible and they pay 0 of emergency until I meet that (hello uti that cost me 1500 last summer... awesome). It also doesn't cover pregnancy or anything pregnancy related. Yikes on that!
Are you *sure* that your private insurance covers pregnancy? When I was looking for private insurance I was told that NO insurance companies offer that as standard coverage on private policies bc it bumps up the price so much, and if I wanted pregnancy coverage it was going to be at least 400-500/month! So I took the no-pregnancy coverage, really careful, and pray route. :)
I pay a little less than $200/month total for both FI & myself medical/dental/vision. We have a pretty solid kickass plan through my company, better even than FI's plan through his company, Morgan Stanley which being a larger firm one would assume has better options. I have no idea what my company pays.
I pay about $75 every two weeks - so $150. My employer pays half, so I guess if I paid alone it would be $300 per month, for health, dental, and vision.
I pay a little over $65 a month for medical, $7 a month for dental and less than $1 month for vision (single person coverage only). My employer pays the rest, and I honestly don’t know how much that is.
The dental and vision plans pretty much suck, but at $8 bucks a month, I can’t really expect too much. My medical plan is pretty good though, although the company I worked for just changed health insurance providers, and our new plan isn’t as good as our old plan. (It’s still good coverage though, just has a $1million lifetime cap, whereas our old plan had no lifetime cap, and if you go "out of network" they don't cover much).
Wow, don't hate me but I don't pay anything...it's part of my bennies at work. No premium comes out of my paycheck. It cost nothing to add the husband because he isn't working. If he has another job, I think it's like $15/month to add him. Totally worth it. We DO have 3 choices...i just have the "free" one which is great. If we had kids, we'd want the next up package which is still really cheap
Right now, the hubs and I have seperate insurance through our employers. Because I got preggie before he received benefits at his new job I didn't want to interupt my coverage since we have two separate carriers. I pay a little over $120 a month for my health insurance and my hubby pays ~$35 a month. I think my insurance may be a a little bit better than the hubs but each are very affordable. Now when we add the baby to the policy, I think no matter which policy we choose, it will jump into the $200's. I know if I add my hubby to mine, I am looking at a nearly $500/month deduction.
So either way, it is not fun. Anyone ever wonder why it costs more for EE + SP coverage versus, EE + CH or EE + FAM?
I think it all depends on your coverage. I work for County Government so we have decent insurance. I pay (for myself only) about $50 per month. But it does not include any Dental or Vision (Thats the most expensive appointments I have!!) It covers emergencies. I only have about $400 deductable then they pay 90% I pay 10%. I have a medical card which helps with prescriptions. However I must pay for all my Vision and Dental appointments (I have glasses & a cavity right now....) so For me it's not very conveinient. I would be willing to pay alittle more If i had coverage for my vision & dental.
hubby and I have a joint plan that we pay for seperately from our employer...it's a PPO plan and we added the maternity plan to it...$350/month...I think it would have been around $230 for both of us w/o maternity....
I pay $180 a month for dental/medical/vision for my portion.
It's a rip-off, I rarely use it besides the annual exam, and glasses/contacts.
FI's plan is better... so I will def be joining his after the wedding
We pay about $80/month with my husband's plan which is fabulous. In most cases, employers will take on the bulk of the cost of benefits. My company pays about 80% of our benefits while employees pay 20%. I actually work in our benefits department, so, if you want me to help you compare the plan design, PM me and I can take a look at it for you. It may seem like your private plan is better, but a lot of times, there's something that will really make the ER sponsored plan better. One big thing to look at is the deductible you pay before insurance kicks in. And once insurance does kick in, what do you pay in co-insurance?
PM me if you need more detail or want me to compare plans for you!
We pay about $80/month for both my husband and I, that includes dental and vision. My old company was $200/month just for me. It was a small company, so while we had insurance, it was just outrageous to have a quarter of my paycheck every month go to insurance. So I had private insurance that was $115/month for just me and that did not include pregnancy protection.
Work covers $3??, I cover $1??. It's the most expensive of the three plans offered (the low end plan is free for me). It covers 90% of hospital and other such costs, as well as the usual doctor visits, dental, vision ($10 copay). You should absolutely be on a work plan. Group plans will not drop you if something happens, whereas private plans likely will. Few private plans cover pregnancy. Also, if the slight difference is 90% vs 80% of hospital stays that can easily be 10s of 1000s of $$. I will be on FI's plan after we get married - due to some very incompetent people at work I only have insurance through work through December. Hopefully that will not be any more $$.
Right now, I pay 120/month from a basic bare needs insurance. I also pay a premium within that because I have a diagnosed heart condition that the majority of humans have which I have NEVER been treated, medicated, or anything else on.
I hope what corgitales said isn't true... I REALLY hope adding pregnancy coverage doesn't become like $400-500/month. That's INSANE. I get pregnancy is expensive, but for real...
Like ejs, my work pays for my health, dental and vision insurance. We also have a choice between Blue Sheild PPO, HMO or Kaiser.
Wow I think we are seriously overpaying for our coverage. My job doesnt offer ANY benefits so if we want to be covered we have to take what Fi's job offers. For the both of us covered through his job we pay almost $700/month. Thats just medical & prescription plans- no vision or dental coverage. This new company I'm interviewing for pays 80% & I would be responsible for the remaining 20%. I'm fairly certain if I get the job we will be switching insurance as well.
$240/month for my husband and I, on a high-deductible plan, so we have to cover the first $5/6k of any medical costs over the year.
I work part time so I pay about $500 a month for health for me and the hubby through my job and about $40 a month for dental.
There's been some recent shadiness at my work lately, so I'll be saying adios to those benefits and we are going to sign up through my hubby's work even though it will cost us a bit more each month. The only downside, his work doesn't offer a dental plan and I have yet to find a way to get us dental insurance!
I pay $0 for health ins, and FI and our future family will also recieve full coverage for nada. It pretty much rocks. I do pay for dental and vision, but can't remember what (its negligible compared to health insurance).
I think I pay about $120 a month for my Cigna PPO. I used to pay $40 a month when I worked for a larger company, but now I work for a smaller company relative to the other company.
FI works for a privately held company and I think pays $220 a month for his Blue Shield PPO.
Even though PPOs make you pay more, they are so worth it to us.
Yikes. This thread is interesting. Hubby and I live in Tokyo at the mo and we are moving back in October. I am really worried about health care. Here, if your work doesn't provide, you pay your city based on your income. If you've been living here a long time it gets kind of ridiculous but I am only going on 3 years so I pay the equivalent of $35 a month for medical and dental.
We could've moved to England (where hubby is from) and had free health care but we chose America because it's the "land of opportunity". I really hope it doesn't let us down and that some kind of health care reform gets passed soon. Not to sound like a snob but the health insurance situation in America is really bad right now compared to where I am and could be, and it terrifies me.
I'm a private practice therapist so it's 100% out of pocket. Fortunately, I found a great plan for $132 per month through a broker who buys "group" insurance coverage for self-employed indivduals. Life saver!
For family plus (which includes my husband and myself), we pay about $100 every 2 weeks. The government covers about $330 every two weeks. Dental is $19 every two weeks and vision is $8 every two weeks.
It's not as cheap as some but it is so much better than my old insurance. I had surgery last year and I only had to pay $100 unlike my old policy where I had to pay the first $4,000 out of pocket (even though I had no premiums from my paycheck I still ended up paying more).
I pay just for myself right now and it's $74/paycheck getting paid twice a month and that is for top health care, that does include dental but not vision. Dental is like only $7.00/paycheck
BTW my health care is through United HealthCare if that makes a difference
Ugh health insurance..the whole thing blows! Luckily I started a job recently that pays for my health insurance, and will also pay for my future familes. I just got really lucky because last year at this time I had NO health care and a lot of medical bills! I feel for everyone on this issue!!
mine is 60 a week, which is what i pay. my employer pays the other 50%. Healthcare costs are ridic!
I unfortunately somehow missed the fact that my insurance was going to increase this year from paying about $130 to $185 a month. I was confused as to why it went up and I was told I got an email about it...so now I pay $185 a month for pretty good coverage for medical, crappy dental and no vision. it basically SUCKS. and the next "window" to switch insurances is in october. UGH.
Interesting how different some are! But I guess we probably all get different things too. I'm not sure how much my employer pays, but I pay about $20 a paycheck (paid every 2 weeks) for health, dental and eye care insurance. It is Just me, not a family plan - when I add the FH it will be triple.
My PPO plan (most amazing plan ever from BlueCross BlueShield TN which includes dental, mental, and eyecare) was a deduction of $17.32 from each paycheck. However, after I lost my job, I went on COBRA and that payment went to $368.90 a month. I filed for the gov't subsidy and now pay $78.64 a month.
for my insurance i pay about 70 a month for health insurance,vision, and dental. but to add my future husband to my plan it would be another 545 bucks!! its crazy. so were def not putting him on my insurance plan.
wow! i need to switch careers or at least switch companies! I pay $180 a month for just hmo. its pathetic but i really need it since I need blood tests and doctors visits and refills on several prescriptions every month. When i was laid off three years ago I remember I was paying $630 a month for cobra. it was outrageous...but then i see how much my specialist visits, the blood tests and prescriptions were...i think it was about $1800 a month so i still had to do the cobra.
I have the most expensive medical, vision and dental plan offered by my work and I pay $15. My FI pays nothing. We are very lucky, we have amazing plans at minimal to no cost to us. But not everyone is so lucky, we are in desparate need of health care reform. Health insurance should be a right not a privledge. Lets all keep our fingers crossed for Obama's health care plan.
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