How much does everyone pay for health insurance?

i love the HSA plan with Cigna/Definity. I just don't remember what I or LSU pays. It is an awesome plan, at least for a single person.

 

I have an individual policy for myself, my wife, and my child.

I obviously keep myself and my wife's deductibles much higher b/c I believe insurance is a measure on risk not a pre-paid service plan. So if I do go to the doctor I pay for it. If I get some critical illness then the insurance kicks in.

My child on the other hand uses the doctor very regularly so I elect for a 0 deductible plan and pay the higher premium so that may child can go as needed and not incur a huge bill every month.

All are BCBS plans.

 

BCBS $960 for a family plan and I pay 100% of it because we are technically contractors.

 

I pay 400/mo., and the company pays about 700, that's for full family coverage. Of course, this includes coverage for us, and for all the people that go to hospitals for an emergency and can't pay the bill.

Ever thought about retiring early (I do)? Course your kids are gone, that would help. I have a friend who feinted about 15 years ago, went to dr. to be checked out, so there is a record of it. He was denied by 3 insurance co. from coverage. In Tx., you send the 3 rejections to Austin, and they assign you to an ins. co. and they have to cover you. He has ins. but its 900 per mo., just for him, with 2000 annual deductible. The system really needs fixing. Between his and his wifes premium, his 2 deductibles, and his copays, he puts out 20K per year on health care, he just turned 60.

 

Did he fool them? Was he faking it? :wave:

Sorry can't resist and wanted to beat Tirk.

 

I pay 550 and my employer pays 250 a month for a family plan with a 5,200 dollar deductible.

My employer puts 1/12 of $2,000 in an HSA each month. I put 1/12 of the remaining deductible in the HSA. My contribution phases out with the IRS limits, and will shut off completely should my HSA balance exceed $10,000. It would have done this if not for baby 2.

If hospitilazation is required the plan pays $1,000 which is counted toward the deductible. The plan covers 100% for any non-cosmetic procedure after the deductible is met and there is no network. I can choose my doctors. There is a lifetime max of 5,000,000 dollars.

I don't buy dental insurance because it is a ripoff, but I do have a discount dental plan.

 

$481 per month and I don't know what the Company contribution is. That includes Dental, Vision and Long Term Disability. My youngest is 22 and still in school so he's included.

 

Don't get sick on me, but for a family of four: $142 a month, $500 deductible, $20 doctor visit copays, $10 prescriptions.

That's with my husband's employer. If I had to provide for the family through my school district, it would total nearly $1000 a month and be on more of an 80/20 sort of deal.

It's really inequitable, that's for sure.

 

dont know, dont wanna know. it would probably depress me.

but im sure the insurance company hates me. 5 surgeries on my arm, 3 of them in the past two years. throw in all the mri's, etc, they've paid back out.

 

Yes, I've had 3 knee surgeries and two kids. I'm sure my insurance companies, over the years, have adored me, as well.