How much do you pay for health incsurance? My SO is upset, he pays $538 a year for one single person, no kids. I used to work for the same company, and when I worked there health insurance for me (single adult, no kids) was free - all costs paid for by the company. I think that $538 a year is still reasonable, but how much do others pay?
$538 isn’t totally out of whack, if the coverage is decent. We used to have Blue Cross PPO, free to the employee (but not dependents)…in 2003 we’ll only have HMO available for free (dependents subsidized), but will have to pay $42/mo. for ourselves for a roughly equivalent POS plan, plus a subsdized portion of dependent costs according to salary.
The full cost of our insurance is about $600 a quarter for two people. So $2,400 a year. It is good coverage and less then what I was paying before.
My family of four, which includes two people with pre-existing conditions, pays $678.00 a month for health insurance. The two healthy members (one adult, one child) are on a PPO and the ones with the pre-existing conditions (also one adult, one child) are in a state insurance pool program with a fairly high deductible. Family coverage with a reasonable deductible 7for four people (two adults, two children) without potentially scary heart conditions would cost us around $400 a month. The same coverage would be between $75 and $180 a month for a single man, depending on his age and whether he smokes.
I think
Wow, did you know that if you hit “enter” by mistake, what you’ve been typing immediately posts? I didn’t.
Ahem.
I think that $538 a year isn’t a bad price at all. The days of employers paying for all their employees health insurance costs are gone, I’m afraid, because they’ve just gone through the roof for everyone.
Then again, I’m bitter about how much we have to pay for fairly minimal coverage, just because we’re terrified that we could be wiped out financially by one hospitalization.
Single-person coverage, $753.12 per year.
The coverage is pretty comprehensive, includes 100% coverage on dental and optical exams, plus 90% coverage on most everything else (except a few items which are inexplicably covered 100%) with a $15 copay and a $250 deductible. Not bad, IMO, for the Boston metro area where a pre-marital blood test can run you up to $150.
Oooo, and I don’t need to name a primary care physician or get a referral to see a specialist. I can see whomever I want whenever I want.
Aetna jumped my HI from $190/mo to $330/mo in just 2 years!
They added over $100/mo when I wanted to continue my group insurance after leaving my job - the bastards!
Is this continuation coverage through COBRA, or an individual policy? IIRC, if it’s through COBRA, you should be paying the same as your former employer is paying, plus a small administrative charge (I think 2%), directly to your former employer.
Of course, if your former employer is now paying that much, then you’re probably SOL.
At my current company, I’m paying about $150 a month. My last company subsidized it considerably more and I paid about $80 a month. Plus I have a $200 deductible, after which most things are covered at 80%. My prescription copay is jumping to $25/script next year. This is PPO coverage for just myself. If I would settle for an HMO the cost would go to about half, but the hassle would go up an order of magnitude, not to mention no out of network coverage.
I think $538 a year is a pretty good deal these days.
Eva: Aetna has been jacking up their rates by a fairly large percentage every year. So it doesn’t surprise me that it costs so much.
Robin
My wife and I are in my company’s PPO (pretty good coverage so far) and it costs me $110/month for both of us. Adding another family member (as we will in May) shouldn’t add too much to that.
If you want to see expensive, go on COBRA for a while and pay for your own insurance out of pocket - mine was on the order of $650/month.
Tell me about it. Ours is going to be almost $900 to continue a PPO and dental coverage for a family of 4 healthy people.
I’m paying just over $800 per year for my HMO coverage (single person), and the cheapest plan my workplace has would only save not even $50. Sounds very reasonable to me.
Cool. Then maybe next year my employer will realize that switching us from Blue Cross to Aetna for 2003 wasn’t such a great idea after all, and they’ll switch us back to a plan that actually includes their employees’ doctors. In 2003 there’s probably going to be a lot more absenteeism, because instead of being able to talk to the doctors we’ve had for years whenever we need something, we’ll all have to miss work to go see new doctors for the first time. Ain’t it wonderful to save a few bucks for inferior coverage?
A bit more than $1,300 per year for Mrs. Lorenzo and myself. HMO, no deductible, $10 copay for office visit or generic prescription.
Nobody gets to complain about health insurance costs unless you’re paying your own. $800 a year? I wish! Thanks to WeirdDave, I’ll only (:rolleyes:) be paying ~$550/month for Mr. Athena and I. At least the damn payments are fully tax deductable next year - this year, you can only deduct 70% of 'em.
I pay $463/yr for a medical HMO, which covers just about everything. I have a $15/visit copay for doctors visits, no deductible. Dental and Vision is an extra $8.30/month. Dental and vision exams are completely covered, and they pay a lot of the different services. For pregnancies you pay for the first office visit (where they confirm the pregnancy) and nothing after that. You do have a $150 hospital copay for the delivery. No limitations for [re-existing conditions or benefit maximums. My company subsidizes over 70% of the cost.
StG
it was under maryland continuation, kinda like cobra, except for small firms
and the company was paying much less than what they wanted to charge me
I think that the problem could stem from the name Blown & Injected. That just doesn’t sound like a risk-free person when it comes to insurance.
$538 per Year!!??!!
My monthly payments go up 15% starting now for January for a total of $460 per month for two adults and one kid. I am in a POS (technically known as Piece Of S**T) and I have to argue for stuff all the time! I went 5 rounds with the doctor, the pharmacy and the insurance company over a perscription for Celebrex for a back injury. Doctor wrote a new script every day and the POS turned it down every day. I just made my way through on motrin and an ice pack.
I had to find a neurologist for migraines. There were no neurologists in the list that actually saw patients, they were MRI readers. The woman on the phone said, “Huh.” But they did call back later and admit that was a problem.
AND I PAY $6, 000 per year for this treatment!