Basically a question for Americans, but other feel free to chime in if you pay through work.
I am in H/R and I got the increase notice for insurance at our company. Normally it’s a small increase. We have Blue Cross/Blue Shield and a dental PPO. (Dental is marginal with only $1,500 limit).
Anyway the cost to our employees was $35.00 a paycheck. Paychecks are every two weeks. Spouses or defactos are $125 a paycheck additional and children come in at $75.00 additional per kid.
It is going up to $117.00 per paycheck starting in February.
Dependent coverage is going up to $200 for spouses and $150 for each child you want covered.
To me this is ludicrous. Our company should be changing insurance providers to find a better rate.
I put the notices in the paychecks on Friday and am not looking forward to Monday when the complaints start pouring in.
Holy smokes, that sounds cheap to me! We pay out many MANY hundreds per month for medical only, worker plus spouse. Small family owned company, mind you.
Pullin, seriously, $28 per month? Would you like to adopt me?
Single non-smoking female, Blue Cross HMO, $50 per paycheck every 2 weeks, which is 20% of the company’s premium, about 40 insured employees (I think). Includes eye care, for which I just paid nothing for my checkup, and extras like yearly bloodwork and yearly mammogram and yearly pap are no extra charge. $10 copays for everything but emergency care which is $50.
Dental is crappy, basic coverage is $20 a month and top coverage is $30 a month. I think my payouts last year came to about 30% of my cost for crowns. It’s separate from the Blue Cross, I don’t know why; I’m guessing it’s the cheapest for the company, but it’s pretty darned sucky.
No one in my company has either health or dental insurance. Not even the owners. So we pay nothing but get nothing.
Well, OK, I have health insurance via a state program that I was in before I was hired. So yes, I have health insurance, but it’s not through my employer. For that, I pay 5% of my gross income per month.
I pay $250 a month for employee-only. $5,000 deductible. $25 co-pays. Mammograms subject to 20% co-insurance (so like $200 for a mammogram). Employees pay 40% of the premium.
It would be $85/month for me. but balloons to $550 when I add husband and child. We pay 20% of everything after $1200/person deductible. There is this idea that teachers get good benefits, but not for health care, at least not in Texas.
Neither my wife nor I have to contribute anything. We’ve got a $2,000 deductible, low copays, and a low out-of-pocket max. I guess I’ve been lucky, I haven’t had to pay anything towards my insurance for the last three jobs.
My benefits deduction is about $3.50 per check and I’m paid every two weeks. Some of that is for the life insurance I carry on my boyfriend and myself.
Our auto shop provides dental insurance, and it’s a pretty decent package, covering the basics of dental care. And, it actually went down 10% in 2012, with no change in coverage.
I am self-employed, so I don’t get group health insurance. Last quote I got, they wanted $700 a month for just myself, on really crappy catastrophic insurance, with high deductible and high co-insurance. Basically they pay nothing for preventative care, and half of hospitalization. For $700 a month.
There are only three companies offering individual health insurance in New Hampshire, and their rates are, coincidentally, the same.
$40 every two weeks for myself only. Dental insurance is a little strange: because of some state law and the fact that I’m under 25, I am still on my parents’ policy.
My husband two kids and I are covered for $250 a month medical. Its a high deductible plan $1000 per person/$2000 per family 80% coverage, $10,000 per year out of pocket max.