Same here, except make it 9 months. And that apple will only keep the doctor away if you have good aim.
Wow, you’re lucky to have it so low for an add-on. To add me to my wife’s plan would cost (last time we checked) around $180 a month, which is more than what she pays for herself.
I’m extremely lucky. I have medical, dental, and vision for free. I only need to cover me so I don’t know how much their family coverage is.
I can have any doctor and the copay is $10. Emergency room visits are $25. No cost for inpatient stays. My generic drugs are free and my brand name drugs are $10 for one month at a local pharmacy or $20 for 3 months through home delivery.
480/ month for three people. 3000 deductible per person, 6000 deductible for the family. covers some prescriptions but no preexisting conditions.
You would think we would have to have some serious health problems to use up the deductible but I just had an office visit with 4 or 5 fairly standard blood tests and it was 1600 dollars.
$81 per month, although really I only pay about $65 since I’m a health and life insurance agent and wrote my own plan (thereby getting a commission out of my own premiums). $5000 deductible, then 100% of my costs are paid by the company (Assurant/Time). Integrated Rx deductible. I love it.
Being a health insurance agent rocks, as does having one.
1.5% of my taxable income + the surcharge. I really have no idea.
I am currently unemployed, so I pay nothing for medical, dental, eye-care or drugs. It’s ironic that being out of work for the first time in 25 years gets me better coverage than I’ve ever had.
We pay $800/month. My husband gets his 100% paid for by his employer, so that $800 is just for me and our two children on my husband’s work plan. We have a $5000 deductible, no co-pay (we’ve had to pay about $160 for each doctor’s visit). We pay 100% of our deductible, up until we hit $2500, then my husband’s work kicks in 50% of the remaining $2500. We have no vision or dental.
We’re waiting to see how the health insurance situation pans out and then we’re going to investigate individual plans (we’ve already hit our deductible for the year - ear infections for both kids, strep for one, and the remainder went to my gall bladder surgery). Last time we tried, I was not able to get any coverage at all due to a pre-existing condition. I’m hoping that they’ll at least make it so insurance companies can’t deny you coverage based on that.
This is the third insurance plan we’ve had since my husband started working at this company almost three years ago. They keep switching because premiums keep going up.
I pay out of pocket by choice for a PPO with a $5,000 deductible. $220/month for the medical and $50/month for dental. The premiums will go up again when I reach age 44–soon. But I do like having choices, getting things done faster, etc.
I don’t make a great salary, so it’s a bit of a strain. I could get a Kaiser plan through work, but there is no vision or dental in that plan, and I am not sure how much the district is able to contribute to it. Also, work is uncertain (California community college) and I am PT, so I’m off into other horizons now.
Good grief. I don’t think many people realize how lucky they are when it comes to health insurance. Hub and I are 57 and 49 respectively. His plan has a $2500 deductible and HE pays 100% of the premium…$700 a month! Another $300 to include me and increase the deductible to $5000.
It almost doesn’t pay to work. 
$167 a month AUD. This is a bit high, but it’s mostly for dental so my kid can go to the orthodontist. Family of 3.
As we’re in Australia, there’s Medicare so:
ER = nothing
Prescription that are covered by PBS (most of them) = $28 max
Doctor visit = at a bulk billed doctor like mine, nothing
My kid broke his arm last year, required surgery. The trip to the ER, the fracture clinic follow up, the surgery, anethesia, all of it, cost me nothing at all.
Yes, it’s part of taxes, but because I have private healthcare I’m not taxed extra for Medicare. I once checked an old payslip from the US vs an Australian one, and I am better off paying the slightly more in taxes vs what I was paying for my part of US private health care.
To those of you in Canada who are quoting your provincial rider price, you are correct. However a significant portion of your provincial and federal taxes are also contributing to health care. I don’t have any figures to rely upon, but I’m betting most of us are spending 3 or 4 thousand dollars a year to support health care in Canada.
Not that there’s anything wrong with that…
But you have to live in a socialist hellhole!
I pay $60 a month through my employer for a combined Health/Dental/Vision HMO. Office visits are $20, prescriptions are $25 for a three month supply of generic through the mail order pharmacy. The whole HMO thing I found annoying since I could no longer pop in to any Urgent Care, but I found a medical group that has an Urgent Care clinic Saturdays, so now I’m pretty happy.
Yes, its awful. In summer, I have to go to the beach at Bondi. Now that it’s winter, and about 50 or 60 degrees outside, I have to occasionally put on a coat.
It’s worse than that! I get 20 days off every for vacation, every year! By law! Small businesses haven’t started going under because of that…yet. And 10 day sick leave! There’s heaps of small business every where that are…um…thriving…but…they will go down! Any minute! Because of the livable minimum wage! Yeah!
There’s old age pension and good saftey nets. It’s TERRIBLE.
But healthcare’s good! 
Probably. I figured it out once when I lived in Ontario, and IIRC, our American friends’ premiums as reported here vs. my Ontario taxes in those days sound not too different. Of course, we have no deductibles, copays, and so on; neither in Ontario nor here in Alberta. Never had to deal with those for anything a physician did; just showed my provincial health card, and it was all taken care of.
FWIW, I cannot imagine having to take my chequebook/cash/credit card/debit card to the doctor or ER. That’s just … wrong somehow. As long as I have my health card, I’m covered anywhere in Canada.
Yup - that’s why I mentioned it comes out of general tax revenue. The numbers I’ve seen from time to time suggest that health care is about 40% of the budgets of most provinces, so take 40% of your provincial tax bill and you have a rough estimate of the cost. (It’s complicated because the feds also pay money to the provinces to help cover the costs of the health care system, but the 40% is a nice back-of-the-envelope calculation.)
Plus, most provinces have a progressive tax system, so those who have above-average incomes are paying proportionately more of the health care costs. Strangely, unlike Rand Rover, I’m fine with that.
It’s not just socialised medicine, it’s federalised socialised medicine! :eek: The horror!
Too complicated to explain, but I have spent maybe $5000 over the last two years with zero actual use.
I’d rather drop it and have a friend dump me at the Emergency Room if I ever get sick.
Have you thought about buying a motorcycle? Or taking on skydiving? 
For a family of 2:
$2712 Medical/dental/vision - Annually. The company pays $6826 toward our benefit.
I’m not exactly sure what the co-pays are. I seem to remember $30 for my husband’s shoulder doctor co-pay. I pay something toward our dental, too.
I also pay for ADD and disability and such.