About $750 a month for the insurance itself. $400 of that is for my daughter, who is on COBRA because no insurance company would take her. Another $115 is for my son. No dental or vision for them.
The rest is for my wife and I. My company’s insurance is so crappy that I went over to her (federal Blue Cross) insurance for everything but vision and dental.
I don’t remember what the children’s deductibles are. My wife and I are at $300.
Co-pays are variable, both for visits and for drugs.
So the answer is thousands and thousands of dollars.
$240 dollars per month for a family of three. Includes basic dental care. Co-pays are about $3.5, but coverage is limited to about $30,000 per year (healthcare is much cheaper here). Deductible on hospital stays is about $200.
We live in the Dominican Rep. There is a free health system, which only people who cannot afford private care use. We are not employed locally, so we pay our own insurance.
If ever my husband or daughter get really sick (knock on wood) I’ll ship them to Denmark, where my husband is employed and has always paid into the health system and only used it for routine care as a kid.
I am currently searching for a better option before we hit middle-age and good coverage gets prohibitively expensive.
About $45 per paycheck (every two weeks) for just myself (no kids, and Mrs. Homie insures herself on her own policy that is very similar to mine). $20 for office visits, $45 for specialist visits and ER visits. Prescription meds are all over the map; I pay $7.45 per dispensation for Fluoxetine, and $20 per dispensation for Nasacort. Not sure of all of the deductibles and plan limits and all that - I’ve never used enough of my medical care to have to be concerned about it.
About $7 per paycheck for denatl insurance, but I have no idea about copays and deductibles and all that. I haven’t used it yet.
NOTE: These figures are just what I pay out of pocket. I have no idea what my employer’s contribution is. Doubtless it’s a lot.
Medical - $63.68/mo
Dental - $15.70/mo
Disability buy-up - $9.56/mo. This provides 100% pay if I’m out for an illness for more than 5 days. If I didn’t pay this, I’d get 80% pay at no charge to me.
This is not taxable income.
My medical plan covers 80% of non-wellness care. Wellness care (physicals, mammograms, etc) are covered at 100%. It also covers prescriptions with a $10 or$40 co-pay. My maximum out of pocket per year is $2500, then the insurance picks up 100%.
Individual/COBRA - $600/month, no vision/dental.
$15 copay for primary care doc
$25 copay for specialists
$5/month’s supply copay for generic Rx
$20/month’s supply brand name Rx
no copay for diagnostic tests (x-rays, bloodwork)
don’t remember about hospitalization, etc., having been fortunate enough to not need it
$120/month for me, spouse, and 1 kid. No deductible, $10 co-pay for normal doctor visits, $30 for urgent care, $50 for ER. No need for referrals to specialists. Long list of doctors I can pick. Chiropractic is covered 1 visit per day (I went 3x/week when I was pregnant). I work for the county government, though–I have the best health insurance of anyone I know.
Family PPO coverage $140/month me, other half employer
~ 80/20 hospital/emergency etc.
~ GYN: every 6 months visit, annual pap.
~ $400 deductible
~ $1 million lifetime
$52.00 a month family dental
~ Two free cleanings a year, full mouth x-ray every three years
~ $200 yearly deductable
~ 80/20 coverage
I can choose my own doctors, but dentists are increasingly not taking ANY insurance as part of somekind of stick it to the man policy. Every year it costs 30% more for less coverage and higher deductible.
The last time I got laid off (5years ago), I put the kids on Child Health Plus, and went without for myself for a year. That was the easiest insurance ever, nothing ever disputed or “coded wrong”
One is a single person on an HSA. The other is married with a child on a regular plan. It costs the company $1234.75/mo (this year) two cover the two of us plus $500 here and there dumped into the HSA (traditionally the employee is the one putting money into the HSA but the employer can too).
The HSA is tied to a traditional plan so I don’t have to pay full price everywhere I go. Everything it doesn’t pay, I pay for out of the HSA, up to $4500/yr.
I’m not sure what kind of copay the other person’s traditional plan has.
I pay nothing, since my ridiculously minor “pre-existing conditions” make it well-nigh impossible to get health insurance where I live.
My employer pays nothing, since despite being employed by the federal government I am not officially a federal employee and therefore eligible to receive absolutely no benefits.
I do pay $60/month for primary and urgent care services, which is better than absolutely nothing, though I pay out-of-pocket for three separate prescriptions right now.
But at least I’m not enslaved by the creeping horror of socialized medicine.
I pay nothing… since I haven’t had any kind of health coverage of any kind since being laid off about 13 months ago. Didn’t sign up for COBRA at the time since it would have been ridiculously expensive, and those benefits would be almost at an end now anyway - leaving me in precisely the same situation I am now, except I’d be further into debt from making all those payments.
::goes off to eat an apple - it keeps the doctor away, doncha know::
I’m paying roughly 350 a month for medical and dental (vision is another 50ish) for 2 adults and 2 kids. My employer is paying… well, I’m not sure how much, but probably at least twice that. This is for a large private company.
Of course, we pay a lot out of pocket - Typo Knig’s surgery for example was about 2 grand out of pocket. And prescriptions - even with decent coverage, we pay 200+ per month for the family.
I pay $222 a month for me and my husband. We pay a $20 copay to see a doctor, and 80% coinsurance for any remaining charges after contractual adjustments, to an out of pocket maximum of $2000 per year. We pay 20% coinsurance for brick-and-mortar pharmacy filled prescriptions, or $20/$40/$80 per 90 day supply if it’s filled by mail order (three tier pharmaceutical program). We also have vision and dental.
I feel very blessed - my husband is self-employed, and used to pay more than twice as much for much worse coverage.
One-time payment of $300 for six months of useless coverage with a $2500 deductible and 80% coinsurance on the few things it does cover (which I’ll never use). It’s not my money being wasted, though I do wish my parents hadn’t decided to throw away their cash on this.
I pay $70 a month, which I believe is only 25% of the actual premium, for fairly decent PPO coverage. $20 office visit copay, $15 for generic drugs, $25 for name-brand, $50 for the newer, fancier drugs. There is a $500 annual deductible, and then they cover 80% of any tests, procedures, etc. I can’t remmeber what the hospital coverage is, but there is a $2k (I think) annual out-of-pocket max.
We don’t really have vision coverage so much as a discount plan for eye exams and glasses, but I can find them cheaper on my own, so I do. Group dental coverage is available, but as I (knock wood) never need anything but cleanings, it doesn’t make economic sense for me to pay for dental insurance (the premium is $40-something a month, the last time I checked, if I want the only plan that will let me keep my own dentist, who I’ve had ever since I had teeth).
I am in the same province and situation as the OP.
$108 to BC Medical covers my family of three. Dental & “extended medical” coverage through my employer - a small amount comes of my paycheque once a month for this additional coverage.
<$200/mo. for the family, and the only time we’ve reached into our pocket is for purely elective things. (ie; lasik surgery, white fillings for molars, private room at hospital.)
I pay 180/month for me and my spouse. No copay for primary care, 25 dollars for specialists, 45 dollars for ER visits. We pay 10% for labs, procedures, and hospital stays, up to the $1000 yearly out of pocket maximum, then 100% coverage. Generic prescriptions are 15 dollars for a one-month supply retail, 10 dollars for three months from the mail order pharmacy. Brand name drugs are on various tiers. Fertility treatments are covered up to 15,000 dollars (I can’t remember if that’s per year, or if it’s just a one time thing). Orthodontics are covered for up to 5000 dollars, lifetime maximum (that might be per person, I can’t remember). We get 1200 dollars a year in a reimbursement account for dental/vision/hearing aids with no restrictions on that, other than it has to be used for dental, vision, or hearing aids. And I get free emergency air transport from wherever I am in the US to the hospital that employs me, if it’s deemed necessary by whatever doctor is caring for me. I gotta pay 10% if I get emergency transport anywhere else…(up to the 1000 dollar max, anyway). I live 1300 miles away from my employer, and I’m really curious about whether they’d seriously come pick me up all the way out here…
I used to get free blood transfusions too, since I was a blood donor there when I worked on site, but that’s not terribly practical anymore.
