Home and Auto What's your current health insurance situation? - Page 4

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 We can reference this as a historical document if the new changes come through.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

**Nzoner** · 11-11-2009, 05:30 PM

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.

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.

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.

11-11-2009, 05:53 PM

i have none... sucks... but i have none

ClevelandBronco · 11-11-2009, 06:44 PM

HSA. High deductible, but good coverage in an expensive emergency.

**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.

**Rain Man** · 11-11-2009, 07:25 PM

Does an HSA mean that you're paying it all yourself, or does the employer pay some? I vaguely know what it is, but no detail.

KCUnited · 11-11-2009, 07:29 PM

Quote:

Originally Posted by Rain Man

Does an HSA mean that you're paying it all yourself, or does the employer pay some? I vaguely know what it is, but no detail.

My employer will contribute $500 if the employee contributes $100, that's annually for individuals. $1000 for $200 contributed for families. I keep enough in my HSA to cover my high ded.

**Rain Man** · 11-11-2009, 07:31 PM

Ah, thanks. I wondered how that worked.

**bevischief** · 11-11-2009, 07:55 PM

Quote:

Originally Posted by bkkcoh

I pay nothing for medical, dental and vision for me, my wife and 2 of my kids.

Where do you work and does your companies have any openings?

**bevischief** · 11-11-2009, 08:00 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.

That sucks but know the feeling my wife has 3 pre existing conditions, I have had to turn down jobs because of this...

**bevischief** · 11-11-2009, 08:04 PM

Quote:

Originally Posted by Rain Man

Does an HSA mean that you're paying it all yourself, or does the employer pay some? I vaguely know what it is, but no detail.

Depends on your carrier, your monthly costs are lower but you have a set amount before the the health insurance kicks in, but you get the insurance discounted price, example pay more a month in premiums or pay more out of pocket before insurance kicks in, depends on how healthy you or family is... Also drug costs are included in this as well.

vailpass · 11-11-2009, 08:26 PM

Quote:

Originally Posted by JohninGpt

Retired military, my insurance rocks.

You earned it.

CanadianChief · 11-11-2009, 09:17 PM

[QUOTE=I pay nothing for medical, dental and vision for me, my wife and 2 of my kids.[/QUOTE]

As do I

**luv** · 11-11-2009, 09:42 PM

My employer pays for half.

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: $-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, 05:30 PM	#46
Nzoner a haw haw haw Join Date: Jan 2004 Location: MIZZOU Casino cash: $26365802	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. __________________ *Therefore, if anyone is in Christ, he is a new creation; old things have passed away; behold, all things have become new.*
Posts: 27,111

11-11-2009, 05:53 PM	#49
Pink Paradise 2010 Guest Casino cash: $	i have none... sucks... but i have none
Posts: n/a

11-11-2009, 06:44 PM	#50
ClevelandBronco I'm with the banned. Join Date: Sep 2006 Casino cash: $5658955	HSA. High deductible, but good coverage in an expensive emergency. __________________ "Faith and reason are like two wings on which the human spirit rises to the contemplation of truth ..." – Pope Saint John Paul II
Posts: 28,113

11-11-2009, 07:25 PM	#52
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-542449 VARSITY	Does an HSA mean that you're paying it all yourself, or does the employer pay some? I vaguely know what it is, but no detail. __________________ Active fan of the greatest team in NFL history.
Posts: 145,342

11-11-2009, 07:31 PM	#54
Rain Man Seize life. Be an ermine. Join Date: Jul 2001 Location: My house Casino cash: $-542449 VARSITY	Ah, thanks. I wondered how that worked. __________________ Active fan of the greatest team in NFL history.
Posts: 145,342

11-11-2009, 09:17 PM	#59
CanadianChief Liquor and Whores Join Date: Feb 2005 Location: A Trailer Park Near You! Casino cash: $-756505	[QUOTE=I pay nothing for medical, dental and vision for me, my wife and 2 of my kids.[/QUOTE] As do I
Posts: 1,307

11-11-2009, 09:42 PM	#60
luv You think you can get by this? Join Date: Dec 2004 Location: Springfield, MO Casino cash: $-1200000	My employer pays for half.
Posts: 63,559