(Closed) Health and Dental Insurance?

posted 6 years ago in Wellness
Post # 3
Member
12973 posts
Honey Beekeeper
  • Wedding: November 1999

Are you employed?  Your employer will have different packages for you to select from.  Otherwise, you can get on your husbands policies as well.  Every package will be different (FI and I both have Blue Cross, and there are very few similarities between our policies) because it depends on how the policy was negotiated by your company executives.

Post # 4
Member
112 posts
Blushing bee
  • Wedding: August 2012

Yep, check with your employer and pray it’s affordable. Even if employer assistance, I pay $300 a month for Fiance & I. For some of the jobs Fiance has interviewed for, coverage for just him has ran as high as $400 a month or as low as $60.

In the past, I’ve paid $125 a month for REALLY crappy coverage that didn’t even cover gyncologist visits or birth control. But you know….health insurance in the US isn’t an issue at all….*rolls eyes lol

 

Good luck!

Post # 5
Member
12973 posts
Honey Beekeeper
  • Wedding: November 1999

@Absolute:  Holy moly, yours is expensive!  Fiance and I each pay about $120/month total for dental, health, prescription, and vision – and it’s been really great coverage.  I’ve never had to pay a cent out of pocket!  Goes to show that it’s all subjective to each company and how they set it up.  But you’re right, we need something to change with healthcare.  My sister said her premiums are up to almost $500 a month for her and her husband.  UGH!

Post # 6
Member
112 posts
Blushing bee
  • Wedding: August 2012

@abbie017:  It differs on region and other things too. When I was going the short-term private route, I had emergency-only coverage that was$550 a month. And when I was offered COBRA when my job shifts last Feb – it would have been $900 a month just for health, another $50 for dental and another $30 for vision. Dental and health are another $45, and $20 a month for us now, respectively. Insanity….

Post # 7
Member
1414 posts
Bumble bee
  • Wedding: June 2012

I pay $192 in monthly premiums for my health coverage…but I have a huuuuge deductible.

Post # 8
Member
10288 posts
Sugar Beekeeper
  • Wedding: October 2011

Unless you’ll be going with private insurance (which is astronomical), you’ll have to choose a plan provided by your employer. We have two options to choose from, both of which have pretty much the same coverage just different co-pays/premiums. We currently pay $95 p/week (or $380 p/month) for just Darling Husband and I. After we have a kid, that will skyrocket to $160ish p/week (or $640 p/month).

The coverage isn’t even that good. Darling Husband had to spend 3 days in the hospital a few months ago which cost us $1500 JUST for his f’ing bed. That doesn’t even include our portion of his tests and surgery that he just had recently. Those bills we could deal with since it would have cost $100k+ without insurance but what really chaps my ass is the bill that I just got from my visit to urgent care a few weeks ago to see if I had pink eye. I paid my co-pay and spent 3 HOURS in there only to have the doctor look at me and say “It might be pink eye but I can’t really tell”. Insurance covered a whopping $5 of that visit and they billed me $50. Yea fucking right, buddy. Good luck getting paid. (Sorry for the threadjack vent. I’m just really PO’ed over this.)

Post # 9
Member
6823 posts
Busy Beekeeper
  • Wedding: June 2011

I work in the health insurance field.  As PP stated if you are employed unless a very small company your company will offer you medical insurance.  You can either take whatever they offer or go on your husbands insurance.  Most companies offer employees several types of packages so you want to look at deductibles, in and out of network and prescription co pays to doctor copays. 

Good luck!

Post # 10
Member
5977 posts
Bee Keeper

Like PP said, it all depends on what your company offers. I have a pretty rich plan with my company, and my husband’s is even richer. We only pay about $100/month for the two of us under his plan, but if we were covering the two of us under my plan, it would be closer to $200/month. We do have a $250 deductible, and it’s a 90/10 coinsurance PPO plan. Basically, for most services (aside from preventive services), the plan pays 90% and you pay 10%.

For Dental coverage, it’s about $15/month for each of us, and Vision is another $10/month. So it definitely adds up!

I actually work in the Benefits Department at my company, so if you have any specific questions regarding how a plan works or how something would pay, PM me!

Post # 12
Member
10288 posts
Sugar Beekeeper
  • Wedding: October 2011

@meg.miles: I could be wrong but your Fiance will not be covered under his parents plan after you’re married. Marriage = Adult = No longer supported by your parents. 

Post # 13
Member
3943 posts
Honey bee

@meg.miles:  How old is your Fiance that he’s able to still be covered on his parents insurance?

Unless you want to pay an arm & a leg for insurance, I would take your work’s insurance.

Post # 14
Hostess
16213 posts
Honey Beekeeper

Unfortunately, if you opt out of your employer’s plan and look for your own, it’s probably going to be pretty expensive.

Also — you can stay on your parents’ plan till 26 now, right? I’m pretty sure that stands even if you get married, but I could be wrong.

Post # 15
Member
7293 posts
Busy Beekeeper
  • Wedding: October 2011

If you can get yourself into a government job, they usually have the gravy train of benefits. ( Federal, State, County, etc) but yeah, health insurance is absurd .

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