Post # 1
So, for a bit of background, myself, my daughter and my SO are Canadian citizens. SO goes to school in NC now, and his health insurance is paid for by his school. We’re planning to move and join SO sometime this year after we get married, and trying to make a decent budget about what we’ll need to pay. In Canada we have universal health care (in my province, we only pay for prescription drug insurance through the government), and I separately have medical insurance through my university to cover dental/vision/specialized services.
For my Canadian insurance, I pay something around say $600 for the year August-August. From what my SO’s university says, adding a family (spouse + child) to the insurance is over $5100 per year (around $425 per MONTH). This seems insanely high to me (especially since it doesn’t cover dental or vision!), but I think the sticker shock is because insurance isn’t mandatory here and people use it primarily to cover prescriptions/dental/vision since we don’t need to pay for doctors’ visits.
My question is, is $425/month in the range of normal for health insurance in the US? I know insurance costs are high and in the terms of our visas we need insurance (and I don’t think I’d risk it anyway) but this throws our monthly budget so far out the window.
(PS- I know there’s differences in deductibles, coverage % after the deductible is reached and all of that, so I know these kind of things will cause price to go up or down).
Thanks so much!
Post # 3
We don’t even get health insurance because we can’t afford it… Sorry I’m no help!
Post # 4
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
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
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 # 7
@Jenlon: That’s okay; I’m definitely aware of the issues of how many people can’t afford health insurance. Honestly we probably barely can, but we have to!
@LoveGypsy: Thanks for the info! My SO’s plan doesn’t cover dental or vision, and I’m not sure it covers maternity either, so I felt like it was *so* much money. I’m just confused because his school pays about $1200/year for his personal insurance, so I can’t figure out how adding the other two of us is so much.
OH! It just occurred to me that maybe it’s not adding $5100 to what his amount is currently, but is including that amount (ie, not $1200+5100/year for three but $5100 total for the three of us). That’s probably wishful thinking haha!
Post # 8
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 # 9
@thegoogler88: Thanks for this info! His plan is Blue Cross Blue Shield NC too and it’s mandatory for him to have that plan (which is fine, he doesn’t pay). It’s not NC State but the brochure for the insurance doesn’t seem fantastic.
I did check out their website for a quote but coming from out of country, it’s so hard to know what all these differences mean in terms of if it’s better to pay more per month/less per visit (or whatever) or what. I’m wondering if I can just put myself and my daugher on our own private insurance plan without attaching ourselves to his, because all of the quotes I got from Blue Cross were less per month than what I think we’d have to pay.
@misspeanut: Thanks for that – I’m used to employers who pay a substantial amount of the insurance cost too and forgot about that, so that does make me feel less (slightly!) crazed about the whole cost.
Post # 10
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
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
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
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
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 # 15
Thanks to everyone for their feedback and sharing your numbers! It seems like it’s at least in the range of what people are paying for their insurance. We’re going to try and see if they’ll let us waive their insurance for a separate insurance plan for my daughter and I since it seems like comparable plans from the same company are cheaper if they’re not through his school.
Post # 16
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.