(Closed) Insurance is so expensive!

posted 5 years ago in Wellness
Post # 3
Member
3969 posts
Honey bee
  • Wedding: September 2014

@StefLovesJamie:  Right now I am still on my family’s, but if I switch to my employer, it’s about 330 (not including dental)/ month and being added to SO after marriage… I think it was about 3300/year, though I’m not sure what that includes yet. Rates are going to vary by your choice in plan and deductibles etc. 

Post # 4
Member
170 posts
Blushing bee
  • Wedding: June 2013

I work at a hospital so it’s pretty cheap- about $50 a month and have a $300 deductible. We definately need health care INSURANCE reform in this country, but not health care reform.

Post # 6
Member
10368 posts
Sugar Beekeeper
  • Wedding: September 2010

We pay $50 (yep, fifty bucks) for both of us to be on an excellent Blue Cross/Blue Shield national plan. We’re lucky to have jobs that very heavily subsidize the cost of healthcare for us.

Post # 7
Member
873 posts
Busy bee
  • Wedding: April 2013

Ugh…. I was just talking about this too.

 

I work for a small charter school district and just became eligible for insurance. It will cost me $350 for Fi and I. Howver, I have two children, so for the family it will cost me a whopping $725/month!! Aghhh!!! That is insane!!

I used to work for a much larger charter school district and I paid nothing or next to nothing for me and my family. This really upsets me!!

 

Post # 8
Member
155 posts
Blushing bee
  • Wedding: March 2014

It is $159 per month for Blue Cross/Blue Shield and then $70.87 for Delta Dental. This is for both my fiance and I.

Post # 9
Member
170 posts
Blushing bee
  • Wedding: June 2013

@StefLovesJamie:  Yikes! Guess I didn’t read that part… Do you have different options of insurance that you can take? At my job there’s 2 options- The first one you pay a little bit more but the deductible is only $300. The other option you pay a little more and the deductible is $1800.

Post # 10
Member
170 posts
Blushing bee
  • Wedding: June 2013

@smendoza912:  You pay 70 for dental? Omg that is rediculous!

Post # 11
Member
679 posts
Busy bee

My insurance is 100% covered by my employer, BUT, the coverage isn’t that good – it’s basic health, no dental, no vision, and no prescription coverage. Luckily I can get around most of that by seeing an eye doctor who can code bills so that they are medical and covered by my insurance, my FMIL is a dental hygeniest, BIL is a dentist, and aside from antibiotics (which I take rarely) I only get generic meds that are on the grocery store $4 prescription plan. After I get married I’ll be going on FI’s plan through his employer, just because the coverage is more comprehensive, but I’m not sure how much his costs. I know he has a $600 deductible…

Can you go on your FI’s insurance plan, or doesn’t he have one?

Post # 12
Member
155 posts
Blushing bee
  • Wedding: March 2014

@banstett0414:  Dang, I actually thought that was decent! LOL

Post # 13
Member
679 posts
Busy bee

@smendoza912: $70 per month seems kind of high for dental, because, if you think about it, unless you’re getting major work done, what are the chances you are getting $840 worth of dental services per year? I’m not sure what the average cleaning costs but even a filling (at least at my dentist) is just about $200.

ETA: Sorry, I just read that the $70 is for both you and FI. That makes more sense. With 2 cleanings per year and maybe a filling you’d easily use $420 of services each.

Post # 15
Member
1093 posts
Bumble bee
  • Wedding: October 2012

Right now I pay something like $300 a month for full medical and dental for just me (without a deductible, but I do have minor copays, $15-150 depending on the care).  FI pays more for just him for about the same coverage, and once we get married we’re going on his which will shoot up to like $600 a month for medical and dental for both of us, but it’s a family plan so no matter how many kids we have it won’t shoot up for like each additional kid, whereas under my plan it would.

We both work for the government (me, state, him, federal), so our insurance is really really good, if a touch expensive, but what we pay is tied to our income.  As our income increases, the percentages of what we pay increase until a certain cap. It’s really complicated, but for the coverage we have, it’s actually really really reasonable in comparison to what a lot of people pay.

Post # 16
Member
155 posts
Blushing bee
  • Wedding: March 2014

@AnAppleA_Day:  That is true, but we do get two cleanings each year. From what I hear, it’s $150 each cleaning without insurance…I could be wrong! Plus, I am prone to cavities (been that way my whole life), so the little fillings I need from time to time do add up. But you’re definitely right, if I didn’t have major work, then mine wouldn’t be worth it! I think I may pay a little bit more attention to it now that you mention it, though!

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