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

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 We can reference this as a historical document if the new changes come through.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

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

Quote:

Originally Posted by JohninGpt

Retired military, my insurance rocks.

So socialized healthcare is working for you

**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.

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.

**Bugeater** · 11-11-2009, 12:30 PM

That poll gave me a headache, I think I need to go to the Doctor.

**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.

**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?

Sure-Oz · 11-11-2009, 12:41 PM

Right now i pay nothing and my employer pays all, but starting january i have to decide if i want to pay $28/mo for the exact same coverage i have or $60 for premium which is $15 copays and higher percent covered since i have been going to the dr's and hospital more lately im wondering if i should. Since this will be the first time we have to cover some for ourselves due to the economy i assume. This is still a great deal from my company.

Alton deFlat · 11-11-2009, 12:48 PM

I pay about $24 per month, and employer pays the rest. I've only used it once in 8+ years, that was for a doctor's visit.

**cdcox** · 11-11-2009, 12:49 PM

Insurance through work that currently covers me, my wife and daughter. I pay $200 a month for this, my employer pays the rest.

Primary care physician $25
Specialist (no referral needed) $30
ER $75
Prescriptions $5/$25/$75

No dental coverage at all, unless it is the result of an accident or something life threatening.

Even with this kind of insurance, my family easily runs through $5K or more of out of pocket expenses, in addition to the cost of the policy. I can afford it, but it puts a good crimp on other things we'd like to do.

I can cover my daughter for another 4 or 5 years through my work plan, and then she will be on her own. It's very unlikely she would be able to land a job in that time frame that would offer the kind of health care she has now.

Jilly · 11-11-2009, 12:56 PM

I am not covered and my spouse is not covered. This is a recent dev't. My spouse is unemployed due to hiring freezes of the school districts. I am "self employed" as the gov't defines it and my church does not pay my insurance. Before the baby, I paid about $250 a month for myself, with a $3500 deductible and it covered only 80% after that deductible, this was through the denomination's healthcare plan. We pay out of pocket for our child, $210 a month. Since he is unemployed and I make a pastor's salary, we had to choose between our insurance, the hospital bills before the deductible, have a roof over our heads and paying the rest of our bills. I am not a freeloader, my husband is not either....we simply cannot afford $500 of insurance in our current budget.

raybec 4 · 11-11-2009, 12:56 PM

I am fortunate enough to have a job that picks up most of the tab my wife is too. The kids are both on my plan

LTL · 11-11-2009, 01:35 PM

I pay about 380 a month for my wife and 2 kids. I just pay for the copays and that's it, my insurance picks up the rest on everything.

jiveturkey · 11-11-2009, 01:49 PM

Self employed and I run the insurance through the company. I pay $144/month for myself. I don't remember the plan details because I only use it for the annual physical.

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: 145,353

11-11-2009, 12:15 PM	#16
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	#18
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	#19
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

11-11-2009, 12:30 PM	#21
Bugeater The Maintenance Guy Join Date: Sep 2005 Location: Renovated Bugeater Estate Casino cash: $3992680	That poll gave me a headache, I think I need to go to the Doctor.
Posts: 70,546

11-11-2009, 12:41 PM	#24
Sure-Oz Stay positive, don't give up Join Date: Dec 2001 Casino cash: $1769383	Right now i pay nothing and my employer pays all, but starting january i have to decide if i want to pay $28/mo for the exact same coverage i have or $60 for premium which is $15 copays and higher percent covered since i have been going to the dr's and hospital more lately im wondering if i should. Since this will be the first time we have to cover some for ourselves due to the economy i assume. This is still a great deal from my company.
Posts: 46,294

11-11-2009, 12:48 PM	#25
Alton deFlat The Sicilian Join Date: Oct 2000 Location: Joplin, Missouri Casino cash: $10004900	I pay about $24 per month, and employer pays the rest. I've only used it once in 8+ years, that was for a doctor's visit.
Posts: 2,843

11-11-2009, 12:49 PM	#26
cdcox www.nfl-forecast.com Join Date: Sep 2000 Casino cash: $-508231	Insurance through work that currently covers me, my wife and daughter. I pay $200 a month for this, my employer pays the rest. Primary care physician $25 Specialist (no referral needed) $30 ER $75 Prescriptions $5/$25/$75 No dental coverage at all, unless it is the result of an accident or something life threatening. Even with this kind of insurance, my family easily runs through $5K or more of out of pocket expenses, in addition to the cost of the policy. I can afford it, but it puts a good crimp on other things we'd like to do. I can cover my daughter for another 4 or 5 years through my work plan, and then she will be on her own. It's very unlikely she would be able to land a job in that time frame that would offer the kind of health care she has now. Last edited by cdcox; 11-11-2009 at 01:13 PM..
Posts: 46,032

11-11-2009, 12:56 PM	#27
Jilly MVP Join Date: Nov 2005 Location: Lee's Summit Casino cash: $9984925	I am not covered and my spouse is not covered. This is a recent dev't. My spouse is unemployed due to hiring freezes of the school districts. I am "self employed" as the gov't defines it and my church does not pay my insurance. Before the baby, I paid about $250 a month for myself, with a $3500 deductible and it covered only 80% after that deductible, this was through the denomination's healthcare plan. We pay out of pocket for our child, $210 a month. Since he is unemployed and I make a pastor's salary, we had to choose between our insurance, the hospital bills before the deductible, have a roof over our heads and paying the rest of our bills. I am not a freeloader, my husband is not either....we simply cannot afford $500 of insurance in our current budget.
Posts: 8,462

11-11-2009, 12:56 PM	#28
raybec 4 MVP Join Date: Feb 2008 Location: East Jabip Casino cash: $4593807	I am fortunate enough to have a job that picks up most of the tab my wife is too. The kids are both on my plan
Posts: 11,058

11-11-2009, 01:35 PM	#29
LTL Starter Join Date: Mar 2009 Location: Tulsa Ok Casino cash: $7414995	I pay about 380 a month for my wife and 2 kids. I just pay for the copays and that's it, my insurance picks up the rest on everything.
Posts: 313

11-11-2009, 01:49 PM	#30
jiveturkey Captain Kick Ass Join Date: Sep 2001 Location: Kansas Casino cash: $9305197	Self employed and I run the insurance through the company. I pay $144/month for myself. I don't remember the plan details because I only use it for the annual physical.
Posts: 5,781