Here in British Columbia, Canada, I pay $108.00 per month for a family of three for health care. It does not include dental , vision care, or prescription drugs.
Vision and dental are 100% covered by private insurers to a limit that my wife and I as well as our employers pay premiums for.
My health care insurer is the British Columbia Medical Services Plan.
I’m happy with it.
I choose my own doctor, but I require his referral to cover a visit to a specialist.
What is your situation?
No health insurance. Last I checked a plan worth a shit would be $300/month, which came out to 40% of my take-home pay. Wasn’t worth it.
Company pays it all, but I’m single and have no kids. Includes dental, vision, prescription on my HMO. If I were paying for this myself, though, I’d be spending most of my paychecks on it.
$300/mo for my wife and I combined. $1500 deductible, then full coverage to $7 million. It is valid everywhere in the world except the USA… I am American but had to move overseas to get coverage and US law does not allow a foreign company to offer insurance in the US.
$670 a month for me and my two young daughters but it is subsidized by my former employer. It could go up to almost $1300 a month in November if things don’t go well. It sounds like a lot but it is premium insurance with an unlimited choice of doctors and specialists anywhere in the U.S. and the insurance company is getting the way worse end of the deal when it comes to payments versus benefits. They have paid over $50,000 in claims so far this year with more to come.
Employee plus one dependent
$120 a month for medical/prescriptions.
~ $25 for office visits
~ $35 for specialists
~ $10 prescriptions
~ 80/20 hospital/emergency etc.
$7.00 a month dental
~ Two free cleanings a year, full mouth x-ray every three years
~ $25 yearly deductable, $1000 limit
~ 80/20 coverage
$7.00 Vision
~ $10 Copay, $130 towards glasses or contacts
~ One free eye exam a year, lenses every year, frames every other
Nothing. Completely free.
You could argue that my salary is offset by what my company pays, just the same as you could say the $100 is offset by what taxes you pay. I’m fine with my salary, as long as my taxes aren’t doubled or some silly notion like taxing my health care doesn’t occur.
$230 / month for an individual with $0 deductible, $5 copay/$10 specialist copay, and $10 prescription drug benefits. My dental is about $30 more with a $50 deductible, 100% on cleanings and x-rays, 80% on basic procedures and 50% on major procedures. I live in America.
It currently costs me nothing, since my employer picks up the $450/month premium. If I had dependents, I’d have to pay the full cost, since they cover employees only. It has prescription benefits, but no vision or dental. I pay about $40 a month for dental, which doesn’t cover a lot but it is better than nothing.
Living in Saskatchewan, my medical care is paid for out of general tax revenue - no monthly premiums.
Dental and prescriptions are covered by the employer.
My health, vision and dental cost me nothing as they are paid for by my employer. If I paid the premiums it would cost me $336 a month for health and $16 a month for dental. However if I had a child or got married and added a spouse to my plan that cost would jump significantly and I would have to pay the difference.
My health coverage has no deductibles and no coinsurance with a $40 copay. I am limited to in network doctors except for emergency room situations which are fully covered after the copay. I have no maximum or coverage limit on medical or dental.
Same here, now that Alberta has done away with (in our case, quarterly) premiums. Dental and prescriptions are separate and employer-provided, but I don’t recall that policy as being too expensive.
Over $500/month for myself and my husband. We still have a $1000 individual deductable and after that only 80% is covered. It’s really pretty crappy coverage: when people talk about teachers getting great benefits, they mean the retirement plan, not the insurance.
My employer pays 100% of the premiums. Co-pays for drugs are $10 and doctor visits are $15.
For myself and one dependent: $367 a month for health, $49 for dental. The plan has a $5,000 deductible.
For another kid: $138 for health, $29 for dental. It also has a $5 k deductible.
For another kid: $29 for dental. This is the kid who can’t get health insurance.
My husband’s medical & dental are paid by his employer. Until he retires next year.
ETA: I’m happy with it, in the sense that I am able to buy insurance and can afford it. I’m unhappy with it in that it’s expensive.
When we were on COBRA: 1700/month
Now on state plan: 108/month, more for scrips, but both the wife and I should hit the limit of 500 each in co-pays for drugs, after that no co-pay
We laugh at the 7% lower limit on deductions.
$17 / week for medical and prescription for me.
Medical: Annual physical is free, office visit is $20, specialist or urgent care is $40.
Prescription: $100 deductible, then $12 / $30 / 50% copays for generic / brand / non-formulary brand.
Self-employed here.
$430/month for me & Mr. Athena. That covers nothing until we hit our $3850/year deductible, after which it supposedly covers 100%.
No dental or eye.
That wouldn’t be too bad if I didn’t know the premiums will go up about $960-$1200/year ($80-$100/month). We’ve had the policy for a little over 2 years, and it started at $270/month - so it’s almost doubled in 2 years. I have no reason to believe it won’t continue to go up at this rate until I can’t afford it anymore.
I asked them once how often they’ll up our premiums every year. The answer was “Whenever we damn well feel like it.”
I can afford it for now, but at this rate, we’ll be paying many hundreds of dollars every month in a few years. It sucks. My fear is that one of us will have to give up self-employment and get a traditional job just for the benefits.
It’d be nice if I could shop around and get another policy, but being diagnosed as diabetic 6 months ago makes me uninsurable. Lucky we had this policy before diagnosis.
I’m really hoping something changes in the US healthcare front before my policy becomes $1K/month or more.
Company pays it all (except deductibles and such), but I’m single with no kids. Vision, dental, etc.
It costs me nothing for myself and my partner. (though I will be responsible for taxes on the value of his portion…Thanks IRS!) $5 dr office copay, no cost for hospital stays. My co-workers cover there spouses and kids also at no cost, but of course with them being straight they don’t get hit by the IRS.