Home and Auto What's your current health insurance situation?

**Rain Man** · 11-11-2009, 12:00 PM

Just curious. We can reference this as a historical document if the new changes come through.

Let's talk about three groups: you, your spouse (if you have one), and your dependents (if you have any).

**loochy** · 11-11-2009, 12:02 PM

Me: Pretty good Aetna through my work. It ends up costing about $15 a week for just me. Also, the company contributes to a fund that can be used to offset the deductables. I think the cap on that fund is $2000 or so. So, if I don't go to the doctor often, I rarely have to pay anything.

I have no kids or spouse.

In college I paid for my own insurance and it wasn't too bad. It was about $100 a month for Humana One. That's not too bad in my view.

**jAZ** · 11-11-2009, 12:04 PM

Coverage through my wife's employer includes me and my son.

patteeu · 11-11-2009, 05:18 PM

Quote:

Originally Posted by jAZ

Coverage through my wife's employer includes me and my son.

Same, except replace "son" with "two daughters".

NewChief · 11-11-2009, 12:05 PM

About $400 a month for me and the kids (plus we pay another $60 a month for a TEFRA medicaid type waiver for one of my sons with special needs. It covers EVERYTHING though).

My wife pays about $120 a month for hers.

NewChief · 11-11-2009, 12:13 PM

Quote:

Originally Posted by NewPhin

About $400 a month for me and the kids (plus we pay another $60 a month for a TEFRA medicaid type waiver for one of my sons with special needs. It covers EVERYTHING though).

My wife pays about $120 a month for hers.

And I'll add that we about went bankrupt with our special needs son prior to finally getting him on TEFRA.

milkman · 11-11-2009, 12:05 PM

My insurance plan should be called the "Bankruptcy Plan", cause I'm going to go broke paying the monthly premiums.

seclark · 11-11-2009, 12:05 PM

mine's paid for by my employer, bargained through my contract.
coverage is ok, but very expensive. at one time, i could take the $ they pay for it, get the same type coverage a lot cheaper. however, now that i'm almost 50, and with pre-existing conditions i don't think i could anymore.

sec
edit to say approx $1200 per month

KCChiefsMan · 11-11-2009, 12:07 PM

mine is called "You will be dead if you get cancer" plan.

**Bugeater** · 11-11-2009, 12:07 PM

We have a family plan through my wife's job. Every year the rates and the deductibles go up, and the coverages go down. We're essentially throwing close to $500/mo into a big black hole. What really gets me is that even though we only have one child, we pay the same rate as we would if we had 10 kids.

MichaelH · 11-11-2009, 12:08 PM

I am covered under my employer's plan. My wife and 2 kids are covered under her employer's plan.

JohninGpt · 11-11-2009, 12:08 PM

Retired military, my insurance rocks.

**Dave Lane** · 11-11-2009, 12:18 PM

Quote:

Originally Posted by JohninGpt

Retired military, my insurance rocks.

So socialized healthcare is working for you

JohninGpt · 11-11-2009, 12:29 PM

Quote:

Originally Posted by Dave Lane

So socialized healthcare is working for you

I have Tricare
I go to a doctor of my choice and hospitals of my choice. My premium for a family of four is $468 per year and my copays are dirt cheap. I don't know if it's socialized, but it works for me.

I am 90% DAV, but I avoid going to the VA for treatment. They suck. That is more like what I would consider socialized medicine.

**Slainte** · 11-11-2009, 12:41 PM

Quote:

Originally Posted by JohninGpt

I have Tricare

Here as well.

Single, no dependants. $58 a quarter. No copays. Free meds.

Health care Crisis? *What* health care crisis?

View Poll Results: Tell me about your health coverage.
** Part 1: You **	2	1.65%
My employer pays all of my coverage.	22	18.18%
My employer pays more than half of my coverage, but I pay some.	45	37.19%
My employer pays less than half of my coverage and I pay the rest.	8	6.61%
My employer offers coverage, but I pay for all of it.	3	2.48%
My spouse's employer pays all of my coverage.	1	0.83%
My spouse's employer pays more than half of my coverage, but I pay some.	8	6.61%
My spouse's employer pays less than half of my coverage and I pay the rest.	2	1.65%
My spouse's employer offers coverage, but I pay for all of it.	1	0.83%
I buy coverage on my own, independent of any employer	11	9.09%
I get Medicare and nothing else.	0	0%
I get Medicare and augment it with a Medicare supplement.	0	0%
I get Medicaid or other augmented coverage.	0	0%
I get coverage via veteran's benefits.	2	1.65%
I have no coverage.	17	14.05%
I have something else not described here.	2	1.65%
** Part 2. Your spouse ** (Do NOT answer for significant others, only spouses.)	1	0.83%
I'm not married, so I haven't yet met my spouse.	11	9.09%
My employer pays all of my spouse's coverage.	6	4.96%
My employer pays more than half of my spouse's coverage, but we pay some.	19	15.70%
My employer pays less than half of my spouse's coverage and we pay the rest.	6	4.96%
My employer offers coverage for my spouse, but we pay for all of it.	2	1.65%
My spouse's employer pays all of his/her coverage.	5	4.13%
My spouse's employer pays more than half of his/her coverage, but we pay some.	13	10.74%
My spouse's employer pays less than half of his/her coverage and we pay the rest.	2	1.65%
My spouse's employer offers coverage for him/her, but we pay for all of it.	3	2.48%
We buy coverage on our own for him/her, independent of any employer	5	4.13%
My spouse gets Medicare and nothing else.	0	0%
My spouse gets Medicare and we augment it with a Medicare supplement.	0	0%
My spouse get Medicaid or other augmented coverage.	0	0%
My spouse gets coverage via veteran's benefits.	1	0.83%
My spouse has no coverage.	5	4.13%
I have something else not described here.	4	3.31%
** Part 3. Your dependents. **	1	0.83%
I have no dependents or have abandoned them to fend for themselves.	34	28.10%
My (or my spouse's) employer pays all of my dependents' coverage.	6	4.96%
My (or my spouse's) employer pays more than half of my dependents' coverage, but we pay some.	21	17.36%
My (or my spouse's) employer pays less than half of my dependents' coverage and we pay the rest.	4	3.31%
My (or my spouse's) employer offers coverage for my dependents, but we pay for all of it.	4	3.31%
We buy coverage on our own for dependents, independent of any employer	5	4.13%
My dependents get Medicaid or other augmented non-child-specific coverage.	2	1.65%
My dependents get a specific child-specific public health plan such as Child Health Program.	0	0%
My dependents get coverage via veteran's benefits.	2	1.65%
My dependents have no coverage.	2	1.65%
I have something else not described here.	2	1.65%
Multiple Choice Poll. Voters: 121. You may not vote on this poll

11-11-2009, 12:00 PM	Topic Starter
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-542449 VARSITY	What's your current health insurance situation? Just curious. We can reference this as a historical document if the new changes come through. Let's talk about three groups: you, your spouse (if you have one), and your dependents (if you have any).
Posts: 145,342

11-11-2009, 12:02 PM	#2
loochy Hey Loochy, I'm hooome! Join Date: Oct 2008 Location: PooPooKaKaPeePeeShire Casino cash: $-1609603	Me: Pretty good Aetna through my work. It ends up costing about $15 a week for just me. Also, the company contributes to a fund that can be used to offset the deductables. I think the cap on that fund is $2000 or so. So, if I don't go to the doctor often, I rarely have to pay anything. I have no kids or spouse. In college I paid for my own insurance and it wasn't too bad. It was about $100 a month for Humana One. That's not too bad in my view. Last edited by loochy; 11-11-2009 at 12:11 PM..
Posts: 42,087

11-11-2009, 12:04 PM	#3
jAZ Supporter Join Date: Apr 2001 Location: Tucson, AZ Casino cash: $9817493	Coverage through my wife's employer includes me and my son.
Posts: 24,800

11-11-2009, 12:05 PM	#5
NewChief In Search of a Life Join Date: Aug 2001 Location: Fayetteville, AR Casino cash: $7230204	About $400 a month for me and the kids (plus we pay another $60 a month for a TEFRA medicaid type waiver for one of my sons with special needs. It covers EVERYTHING though). My wife pays about $120 a month for hers. __________________ In this world of sin and sorrow there is always something to be thankful for; as for me, I rejoice that I am not a Republican. - H. L. Mencken
Posts: 21,845

11-11-2009, 12:05 PM	#7
milkman Dumbass! Join Date: Aug 2000 Location: Leading the Marty bashing Casino cash: $10029395	My insurance plan should be called the "Bankruptcy Plan", cause I'm going to go broke paying the monthly premiums. __________________
Posts: 70,769

11-11-2009, 12:05 PM	#8
seclark MVP Join Date: Aug 2000 Location: nemo Casino cash: $-410100	mine's paid for by my employer, bargained through my contract. coverage is ok, but very expensive. at one time, i could take the $ they pay for it, get the same type coverage a lot cheaper. however, now that i'm almost 50, and with pre-existing conditions i don't think i could anymore. sec edit to say approx $1200 per month __________________ "Mr. seclark. Wrong for gravy, wrong for jelly, wrong for biscuits." -rj "If every Planeteer who was disliked by another Planeteer stopped being a Planeteer we wouldn't have any Planeteers." -rj
Posts: 13,447

11-11-2009, 12:07 PM	#9
KCChiefsMan AIC Join Date: Oct 2002 Location: West Roxbury, MA Casino cash: $10004900	mine is called "You will be dead if you get cancer" plan.
Posts: 11,478

11-11-2009, 12:07 PM	#10
Bugeater The Maintenance Guy Join Date: Sep 2005 Location: Renovated Bugeater Estate Casino cash: $3992680	We have a family plan through my wife's job. Every year the rates and the deductibles go up, and the coverages go down. We're essentially throwing close to $500/mo into a big black hole. What really gets me is that even though we only have one child, we pay the same rate as we would if we had 10 kids.
Posts: 70,546

11-11-2009, 12:08 PM	#11
MichaelH Go Chiefs! Join Date: Nov 2002 Location: Gastonia, North Carolina Casino cash: $9192006	I am covered under my employer's plan. My wife and 2 kids are covered under her employer's plan.
Posts: 3,187

11-11-2009, 12:08 PM	#12
JohninGpt Dammit Join Date: Mar 2001 Location: Busted Stick, IT Casino cash: $4238304	Retired military, my insurance rocks.
Posts: 4,161