Home and Auto What's your current health insurance situation? - Page 2

Norman Einstein · 11-11-2009, 05:40 PM

Quote:

Originally Posted by JohninGpt

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.

I don't think Dave Lane understands your position. I have some friends with the same coverage, they said they can't wait until they retire so they are double covered by Medicare and Tricare.

Oh, Happy Veterans Day Sir, I appreciate all you did for my continued freedom.

**Donger** · 11-11-2009, 12:34 PM

Quote:

Originally Posted by Dave Lane

So socialized healthcare is working for you

Considering that his employer was the military, I don't see how. I'll gladly pay the insurance costs of our military.

Some other goober who chooses an HDTV and broadband instead of buying insurance? No, I'd rather not pay for him.

wild1 · 11-11-2009, 02:02 PM

Quote:

Originally Posted by Donger

Considering that his employer was the military, I don't see how. I'll gladly pay the insurance costs of our military.

Some other goober who chooses an HDTV and broadband instead of buying insurance? No, I'd rather not pay for him.

Norman Einstein · 11-11-2009, 05:38 PM

Quote:

Originally Posted by Dave Lane

So socialized healthcare is working for you

Last I heard retired military health insurance was earned, not given free. In this case you might be wrong.

vailpass · 11-11-2009, 08:26 PM

Quote:

Originally Posted by JohninGpt

Retired military, my insurance rocks.

You earned it.

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.

wild1 · 11-11-2009, 12:09 PM

I purchase a high deductible policy to insure against catastrophic events, but in practice pay for virtually all expenses out of pocket.

**Bob Dole** · 11-11-2009, 12:12 PM

Single. BCBS of Texas + vision for roughly $65/month. ($350 annual decuctible. $50 deductible for prescription drugs.)

$45 for a specalist office visit. For other covered charges from network doctors, hospitals and labs, you pay your plan-year deductible, then the 350 plan pays 80% and you pay 20%, up to your out-of-pocket maximum. After you reach your out-of-pocket maximum, the plan pays 100% of remaining covered charges (except office visit and drug copayments) from network providers for the rest of the plan year. If you use an out-of-network provider, your deductible is doubled, and you and the plan each pay 50% of the charges after the deductible is met. After you reach your out-of-pocket maximum, which is double the network maximum, the plan pays 100% of remaining covered charges (except drug copayments) for the rest of the plan year. You pay an additional hospital deductible if you are hospitalized in a facility that is not a member of the BlueChoice or BlueCard network.

Drug copay:

$10 for generic,
$25 for brand-name formulary and
$50 for brand-name nonformulary drugs.

If you mail order drugs you get 90 days for 2 copayments.

Stewie · 11-11-2009, 12:13 PM

Insurance through work. We have several different options depending on need. Next year the company is dropping the "Catastrophic Plan" (lowest premium) and also doing away with the "Medical Opt-Out" option. That was available to someone who was covered by another plan and they were reimbursed the money the company saved by not carrying them on our insurance.

We're also seeing a $5 copay increase and an increase in premiums. The increase in the employee portion of premiums is offset if we do a health assessment. All in all, good insurance. We are a large company, so I'm sure we garner some leverage on rates.

**Iowanian** · 11-11-2009, 12:14 PM

HSA through wife's work, high deductible.

**MahiMike** · 11-11-2009, 07:15 PM

Quote:

Originally Posted by Iowanian

HSA through wife's work, high deductible.

HSA is the way to go. My new employer doesn't have one. I was shocked at how much insurance is here. Anyone that says we don't need to revamp the system is delusional.

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.

The Rick · 11-11-2009, 12:15 PM

County government employee here. Our insurance is very good (the benefits here make up for the lower salaries).

I currently pay about $135/month for our whole family. Our deductible is $150/individual and $450/family. After deductibles are met, we pay 10% of all costs until we reach our maximum out-of-pocket which is $600/individual and $1200/family.

We pretty much screwed over the insurance company (and Uncle Sam) last year when we had a baby in January, and another baby in December.

**Dave Lane** · 11-11-2009, 12:18 PM

Oh and I'm going naked

**Rain Man** · 11-11-2009, 12:23 PM

My suspicion is that there will be more "other" answers than I'd like, because I probably don't have some of the options that are out there.

My wife and I get coverage fully paid through our employer.

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, 12:09 PM	#7
wild1 MVP Join Date: Feb 2009 Location: 31040 Casino cash: $10004900	I purchase a high deductible policy to insure against catastrophic events, but in practice pay for virtually all expenses out of pocket.
Posts: 6,935

11-11-2009, 12:12 PM	#8
Bob Dole King Shit of **** Mountain Join Date: Aug 2000 Location: Texarkana, Texas Casino cash: $-1204563	Single. BCBS of Texas + vision for roughly $65/month. ($350 annual decuctible. $50 deductible for prescription drugs.) $45 for a specalist office visit. For other covered charges from network doctors, hospitals and labs, you pay your plan-year deductible, then the 350 plan pays 80% and you pay 20%, up to your out-of-pocket maximum. After you reach your out-of-pocket maximum, the plan pays 100% of remaining covered charges (except office visit and drug copayments) from network providers for the rest of the plan year. If you use an out-of-network provider, your deductible is doubled, and you and the plan each pay 50% of the charges after the deductible is met. After you reach your out-of-pocket maximum, which is double the network maximum, the plan pays 100% of remaining covered charges (except drug copayments) for the rest of the plan year. You pay an additional hospital deductible if you are hospitalized in a facility that is not a member of the BlueChoice or BlueCard network. Drug copay: $10 for generic, $25 for brand-name formulary and $50 for brand-name nonformulary drugs. If you mail order drugs you get 90 days for 2 copayments.
Posts: 51,574

11-11-2009, 12:13 PM	#9
Stewie MVP Join Date: Oct 2006 Location: West of the Equator Casino cash: $-1690099	Insurance through work. We have several different options depending on need. Next year the company is dropping the "Catastrophic Plan" (lowest premium) and also doing away with the "Medical Opt-Out" option. That was available to someone who was covered by another plan and they were reimbursed the money the company saved by not carrying them on our insurance. We're also seeing a $5 copay increase and an increase in premiums. The increase in the employee portion of premiums is offset if we do a health assessment. All in all, good insurance. We are a large company, so I'm sure we garner some leverage on rates.
Posts: 13,852

11-11-2009, 12:14 PM	#10
Iowanian Supporter Join Date: Aug 2000 Location: Utopia Casino cash: $1748454	HSA through wife's work, high deductible.
Posts: 62,940

11-11-2009, 12:15 PM	#13
The Rick Veteran Join Date: Aug 2000 Location: Milwaukee, WI Casino cash: $6811320	County government employee here. Our insurance is very good (the benefits here make up for the lower salaries). I currently pay about $135/month for our whole family. Our deductible is $150/individual and $450/family. After deductibles are met, we pay 10% of all costs until we reach our maximum out-of-pocket which is $600/individual and $1200/family. We pretty much screwed over the insurance company (and Uncle Sam) last year when we had a baby in January, and another baby in December.
Posts: 2,442

11-11-2009, 12:18 PM	#14
Dave Lane Space Cadet and Aczabel Join Date: Aug 2000 Location: Kanab, UT, USA Casino cash: $9333275 VARSITY	Oh and I'm going naked __________________ Thanks, Trump for the civics lesson. We are learning so much about RICO, espionage, sedition, impeachment, the 25th Amendment, order of succession, nepotism, separation of powers, 1st Amendment, obstruction of justice, the emoluments clause, conflicts of interest, collusion, sanctions, oligarchs, money laundering and so much more.
Posts: 40,584

11-11-2009, 12:23 PM	#15
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-552449 VARSITY	My suspicion is that there will be more "other" answers than I'd like, because I probably don't have some of the options that are out there. My wife and I get coverage fully paid through our employer. __________________ Active fan of the greatest team in NFL history.
Posts: 145,353

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