Post # 1
How much do you pay for health insurance? Does it cover preventive care and well checkups, or just bare bones minimum coverage?
I’ve been looking at enrolling in our health plan at work once I get married (yay!!) but I am not sure what the average cost of health insurance is.
For me, it would be just over $400 per pay period (so $800/month) for Fiance & myself, and a family plan runs about $680 per pay period ($1360/month). That would cover everything except co-pays, and even for an emergency room visit the co-pay would only be about $30-$40.
Post # 3
@DaneLady: Luckily I am still on my parents until I am 26, but that sounds awfully expensive to me, especially if you are reasonably healthy!
Post # 4
I pay about $200 per month.
Covers all preventatives and check ups.
Post # 5
Mine, through works, costs me $48/month + $12 (vision) + $20 (dental) = $80. My deductible is $500 and my copays are about $25 each.
Mine covers basically everything from psychatric, hopsitial visits, preventative care, etc. It even has maternity and disability in it.
Post # 6
Ours is somewhat (but not a lot) less than that for three people, but it doesn’t cover anything until we’ve met a yearly deductible of $4000.
Post # 7
@DaneLady: Holy cow. Is that the cost to you?! Does your company cover any of that?
My company covers the first $1,000 of premiums a month. Luckily, my husband and I squeak by *just* under that mark. Co-pays for check-ups and prescriptions aren’t bad, but our emergency room co-pay is several hundred dollars.
Post # 8
@DaneLady: That seems awfully high. My comapny pays 80%, the employees pay 20%. It covers preventative care, check ups, etc. There is a $1000 deductible.
Post # 9
I added my husband to my insurance plan at work. It’s $165 per paycheck for both of us since the company pays half. A family would be $267 per check.
It has a $3000 deductible per person, but after that it covers 100%. We have office visit/specialist/ER copays as well as prescription copays, but of course that doesn’t count towards the deductible. Dental is separate plan and the company doesn’t offer vision.
Post # 10
We pay 1/3, work pays 2/3rds of the premium.
We each pay $42 a payperiod for health insurance and $12 a payperiod for dental (we pay 100% of dental insurance, crummy work gives nothing!).
So about $2800 a year for Darling Husband and I. My premiums went up a lot when Obama passed Obamacare.
Post # 11
@DaneLady: Holy crap that’s an expensive plan! I actually do this for a living at my company, and it’s been a long time since I’ve heard of that expensive of a plan. Do you work for a small company? That’s almost 100% of the cost here.
Both Darling Husband and I have fantastic plans, but his is slightly cheaper. He pays about $100/month for the two of us on his plan, and we have an annual deductible of $250 in-network. Preventive care for companies have to be 100% covered due to recent health care reform laws…so any company sponsored plan will cover preventive care at 100%.
Post # 12
I have to look into it more… but that is what the info sheet has listed as the premiums. I don’t have to meet any deductibles, and I have very few co-pays and they aren’t terribly expensive. I’m so glad I’m looking into this sooner rather than later, because I’m a service connected veteran, so ALL of my healthcare is free as long as I go to the VA Hospital. Unfortunately, when Fiance and I have a child, that child (and all associated prenatal/L&D care) will not be covered, because the CHILD is not a veteran. They DO cover all of my annual exams, birth control, and I think they even do mammograms now.
Post # 13
If I were you, I’d look into an individual policy through one of the major providers. You may find that you can get the type of plan you’re looking for cheaper than going through your employer.
All of them have features on their websites for getting quotes. Start with Blue Cross, Golden Rule (which is United Healthcare), and Humana.
Post # 14
@DaneLady: Assuming you and Fiance are reasonably healthy, I would enroll in a plan that has lower premiums, but perhaps has slightly higher co-pays. For instance, I don’t have to see a specialist very often, maybe once or twice a year for an issue. It doesnt make sense that I pay hundreds more every month for a lower copay on a service I rarely need. I’d rather pay double the copay those two times, than every month. Does that make sense? It is really awesome when “everything’s covered” but if the probability that you will need some of those services is nil, then it might not be worth it.
Post # 15
Wow. I pay nothing for my health insurance through work, but once we get married I’ll be paying an extra $100/mo for him. We do have copays, but they’re still low. $25 for regular doctors visits, I think $75 to go to the ER, and we have a $1500/person deductible. I work for an itty bitty company. We have 4 office employees, but 12 total employees in the company.
Post # 16
Mine is $149. 19/month for insurance including vision, and another $36/month for dental. My college pays the other half of each. I have a $1500 deductible, and $25 copays. I teach at a small school, which recently created a consortium with other small private schools in VA so they could all go in on the same insurance – bigger numbers means better negotiating with insurance companies (before we did this, a different insurance company tried to increase our premiums by almost 20%)
I also contribute $75/month to a Health Savings Account. My college has a Wellness program and if we participate, we get a choice of the school covering more of our premiums or contributing $1000/year to our HSA.