(Closed) US Bees (especially NC Bees) – What do you pay per month for health insurance?

posted 8 years ago in Wellness
Post # 3
2067 posts
Buzzing bee
  • Wedding: September 2011

We don’t even get health insurance because we can’t afford it… Sorry I’m no help!

Post # 4
104 posts
Blushing bee

Yes that sounds about right. Depending on the place of work some places vary. But ours for instance, one adult and one child is about 300/ month. That includes health and dental. 

Post # 5
227 posts
Helper bee
  • Wedding: June 2012

I am on my own insurance plan with Blue Cross and Blue Shield of NC and I pay about 140 a month. It’s a hefty sum but if he goes to NC State and has their insurance or another university that has a similar policy, that insurance sucks! I ended up paying all my bills and a whole ton of them. I would first go onto the website bcbsnc.com and fill out the form to get a quote and get a feeling for what you need. If you don’t make that much money but will be able to put some aisde for health issues, think about opening up an HSA plan those are the lowest cost. PM me or email me at [email protected] if you have any questions :). I had to figure this out on my own last year so I’m pretty well versed in it! Good luck and a future welcome from an NC resident 🙂 

Post # 6
2065 posts
Buzzing bee
  • Wedding: December 2011

Insurance costs can get insane. 🙁 My husband and I are both on my health plan, the dental is separate and the company doesn’t offer vision. For the two of us it’s $165/paycheck (every two weeks). When I was single it was $60/check. I happen to do the paychecks, so I see all the deductions, and a family health plan is currently $265/check.

ETA: My company also pays half, so the true cost is really double all the above amounts!

Post # 8
10285 posts
Sugar Beekeeper
  • Wedding: October 2011

I pay $93 p/week ($372 p/month) for Darling Husband and I (health, dental and vision – though it only covers one exam a year so it’s hardly worth mentioning). Family would be $158 p/week ($632 p/month). The coverage is very basic but our copays could be worse. 

Post # 10
75 posts
Worker bee
  • Wedding: October 2011

I have pretty amazing health insurance and Darling Husband and I each pay $130 a month (work pays a lot, and the $130 is what I pay after work’s payment). So $260 a month x12 = $3120 a year. Dental is extra, but is pretty reasonable. I think it’s like $250 a year for each of us (work doesn’t cover my dental at all).

While it is a lot of money, it doesn’t bother me at all. I’d rather pay it directly and get to choose my insurance, doctors and coverage of care.

Post # 11
135 posts
Blushing bee
  • Wedding: February 2012

Both my fiance and I opted out of health insurance from our jobs. It would be $600 a month for both of us with a $4000 deductible..crazy. I’ve personally never had health insurance my whole life..I just pay cash when I need to and only go to the clinic when it’s a dire situation.  That price sounds reasonable to me though.

Post # 12
2657 posts
Sugar bee
  • Wedding: October 2012

Im about 50 a month. But thats only for myself. I plan on putting my new husband on my insurance once we’re married, so it will go up. We’ll see how much it goes up. Hope not too much. Been looking into it recently.

And its so worth it. Throughout my life I had to get a couple surgeries. I would be so screwed if I didnt have health insurane. I would have had to pay thousands of dollars instead of what I had to pay, about 1,000 for each surgery.

Post # 13
10713 posts
Sugar Beekeeper
  • Wedding: June 2012

Neither my Fiance or I have health insurance because it’s too expensive. My son is on Chip… after seeing some of these prices I doubt we’ll have it for a very very long time. My old job had health insurance for $44 a month plus $100 co pays for ER visits and $50 co pays for meds or doctors visits. It still wasn’t worth the cost to me then when the free clinic is $25 a visit and $5 for any meds. 

Post # 14
18628 posts
Honey Beekeeper
  • Wedding: June 2009

If you don’t need to go to a doctor a lot, I would conside a high deductible health plan.  We have one for my husband that costs $46 a paycheck (26 paychecks a year) so about $1,200 a year plus they put $62.50 in a HSA for us each month ($750 a year) so we only actually pay $450 for the insurance.  If he has to go to the doctor though, it will be crazy expensive but he never gets sick.  My insurance is $56 a paycheck (so $1,456 a year).  We were paying $122 a paycheck ($3,172 a year) last year for family coverage.

This is only health, not including dental or vision.  Our health covers some routine dental though.

I’m not surprised that it costs so much more to add the two of you, they are subsidizing his costs but yours you are paying the full amount most likely.

Post # 16
1398 posts
Bumble bee

I live in NC and BCBS wants $2,500 a month from me.  Nope, that is not the deductible, it’s the monthly premium and it is with no maternaty benefits.

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