Home and Auto What's your current health insurance situation? - Page 5

**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 We can reference this as a historical document if the new changes come through.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).

RJ · 11-11-2009, 09:45 PM

Quote:

Originally Posted by Nzoner

Self employed with the mrs and we have a group plan of 2 but pay $1350 a month because she has RA.We were paying $1650 a month but had to raise the deductible to get the payment down so we could manage,unfortunately 1 year passed and it just hiked again and according to our agent with in 3 years it'll be back to where it was before but the deductible will be higher.

It pisses me off to no end that we're a couple trying to run a business and be respectable,hard working citizens and yet my little brother who was formerly working as a nurse in the GA prison system tells me about some low life focking loser who murdered someone is getting the same medicine as my wife for RA furnished by the state.

I know others in similar positions and I don't know how they do it. How can health insurance cost more than a house payment? That's just crazy.

I'm not one to look to the government for help, but changes need to be made. And FWIW, if I have to pay a little more each year in taxes to help out people who have more expensive medical issues or just don't have the money for insurance, I am ok with that. Call me a radical liberal latte sipping tree hugger if you will......

RJ · 11-11-2009, 09:47 PM

Quote:

Originally Posted by CanadianChief

As do I

But I believe that the average Canadian life expectancy is 37 years. and a little lower for men. Is that correct?

How old are you, by the way?

JohninGpt · 11-11-2009, 09:55 PM

Quote:

Originally Posted by vailpass

You earned it.

Thank you. These beni's are incentive for staying for the long haul.

Hammock Parties · 11-11-2009, 10:03 PM

I don't need health insurance. The Lord will provide.

SLAG · 11-12-2009, 08:43 AM

My Employer Covers 100% for me, my spouse and Dependants - I have copays etc.. but none gets taken out of my check for insurance

NY CHIEF · 11-12-2009, 09:48 AM

Quote:

Originally Posted by Chief Faithful

I have coverage, but the deductable is sooo high that it only applys to catastrophic coverage. Thus, for general health and maintenance it is all out of pocket.

Ditto here

Bweb · 11-12-2009, 10:04 AM

Quote:

Originally Posted by Iowanian

HSA through wife's work, high deductible.

THIS and I hope we can keep it! No premiums but the deductible is $4500 per year. We put $300 a month into a HSA, when I have 2 full years of deductibles built up in the HSA, we start skiping the monthly payments to ourselves.

Cannibal · 11-12-2009, 10:17 AM

Quote:

Originally Posted by GoChiefs

I don't need health insurance. The Lord will provide.

**The Franchise** · 11-12-2009, 10:26 AM

My wife is in the Air Force.....so her and her daughter are covered....as well as me.

I also have insurance through my work and it covers my wife and I. So I guess you can say that we're double covered right now.

CanadianChief · 11-12-2009, 10:34 AM

Quote:

Originally Posted by RJ

But I believe that the average Canadian life expectancy is 37 years. and a little lower for men. Is that correct?

How old are you, by the way?

Holy Shit...now I know why the doctor wanted to give me that prostate exam when I was 12!

I'm 31 by the way. Time is running out. Guess I'll never see the Chiefs in another playoff game.

BWillie · 11-12-2009, 11:35 AM

I pay about $37 a month for a $2500 deductible. But even if I reach my deductible, I have to pay 20% of my expenses until I reach my out of pocket cost of like $4,000 or something. I have an HSA though that I self insure myself and my company puts in about $500 a year. I have about $2,000 in there currently.

I really don't think that is that bad too. The HSA accrues interest every year and carries over. In like 5 years, if nothing bad happens. I'll have more than enough to cover most if not all of my out of pocket expenses.

RJ · 11-12-2009, 12:01 PM

Quote:

Originally Posted by BWillie007

I pay about $37 a month for a $2500 deductible. But even if I reach my deductible, I have to pay 20% of my expenses until I reach my out of pocket cost of like $4,000 or something. I have an HSA though that I self insure myself and my company puts in about $500 a year. I have about $2,000 in there currently.

I really don't think that is that bad too. The HSA accrues interest every year and carries over. In like 5 years, if nothing bad happens. I'll have more than enough to cover most if not all of my out of pocket expenses.

That's probably a good plan for a single guy your age.

dtebbe · 11-12-2009, 01:26 PM

I pay $425/month for a plan with a $5600 family deductible. 100% coverage after we meet the deductible. It is a HSA eligible plan and I max out the HSA each year. It's legalized extortion, and it's not going to get any better with this smoke & mirror BS that they are trying to push thru. This is for family coverage 2 adults +1 child.

DT

dtebbe · 11-12-2009, 01:31 PM

Quote:

Originally Posted by GoChiefs

I don't need health insurance. The Lord will provide.

I have a relative that has taken this approach with birth control.... 3 kids later the lord is falling a little short

DT

HC_Chief · 11-12-2009, 01:36 PM

My coverage is obscenely good. It is a perk for the job. 100% coverage for family, $0 out of pocket, $0 copay, HUGE provider network.

Includes vision and dental (dental = $1500 coverage /per person per year)

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
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-552449 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: 145,356

11-11-2009, 10:03 PM	#64
Hammock Parties I'll be back. Join Date: Nov 2002 Casino cash: $930478	I don't need health insurance. The Lord will provide. __________________ Chiefs game films
Posts: 297,004

11-12-2009, 08:43 AM	#65
SLAG Superbowl MVP Join Date: Oct 2005 Location: OOOOOOOOOOOOOLATHE Casino cash: $9910252	My Employer Covers 100% for me, my spouse and Dependants - I have copays etc.. but none gets taken out of my check for insurance __________________ Ad astra per aspera
Posts: 11,177

11-12-2009, 10:26 AM	#69
The Franchise Most Valuable Villain Join Date: Dec 2006 Casino cash: $2065047	My wife is in the Air Force.....so her and her daughter are covered....as well as me. I also have insurance through my work and it covers my wife and I. So I guess you can say that we're double covered right now.
Posts: 92,316

11-12-2009, 11:35 AM	#71
BWillie Are you ready to Rumble? Join Date: Apr 2006 Casino cash: $-1338759	I pay about $37 a month for a $2500 deductible. But even if I reach my deductible, I have to pay 20% of my expenses until I reach my out of pocket cost of like $4,000 or something. I have an HSA though that I self insure myself and my company puts in about $500 a year. I have about $2,000 in there currently. I really don't think that is that bad too. The HSA accrues interest every year and carries over. In like 5 years, if nothing bad happens. I'll have more than enough to cover most if not all of my out of pocket expenses.
Posts: 52,671

11-12-2009, 01:26 PM	#73
dtebbe 3M TA3 Join Date: Jul 2001 Location: SoFlo Casino cash: $9993039	I pay $425/month for a plan with a $5600 family deductible. 100% coverage after we meet the deductible. It is a HSA eligible plan and I max out the HSA each year. It's legalized extortion, and it's not going to get any better with this smoke & mirror BS that they are trying to push thru. This is for family coverage 2 adults +1 child. DT
Posts: 4,305

11-12-2009, 01:36 PM	#75
HC_Chief That's just f***in' stupid Join Date: Aug 2000 Location: suburbia Casino cash: $3687107	My coverage is obscenely good. It is a perk for the job. 100% coverage for family, $0 out of pocket, $0 copay, HUGE provider network. Includes vision and dental (dental = $1500 coverage /per person per year) __________________ "Gentlemen, you can't fight in here, this is the war room!"
Posts: 12,355

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