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 We can reference this as a historical document if the new changes come through.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

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.

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.

JohninGpt · 11-11-2009, 12:08 PM

Retired military, my insurance rocks.

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.

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.

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.

**Iowanian** · 11-11-2009, 12:14 PM

HSA through wife's work, high deductible.

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 NFL's #1 Ermines Fan Join Date: Jul 2001 Location: My house Casino cash: $3058491 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: 141,648

11-11-2009, 12:02 PM	#2
loochy Hey Loochy, I'm hooome! Join Date: Oct 2008 Location: PooPooKaKaPeePeeShire Casino cash: $1880752	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: 40,597

11-11-2009, 12:04 PM	#3
jAZ Supporter Join Date: Apr 2001 Location: Tucson, AZ Casino cash: $9847493	Coverage through my wife's employer includes me and my son.
Posts: 24,799

11-11-2009, 12:05 PM	#4
NewChief In Search of a Life Join Date: Aug 2001 Location: Fayetteville, AR Casino cash: $9600204	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: 21,762

11-11-2009, 12:05 PM	#5
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	#6
seclark MVP Join Date: Aug 2000 Location: nemo Casino cash: $1429900	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: 13,402

11-11-2009, 12:07 PM	#7
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	#8
Bugeater The Maintenance Guy Join Date: Sep 2005 Location: Renovated Bugeater Estate Casino cash: $6232680	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: 70,443

11-11-2009, 12:08 PM	#9
JohninGpt Dammit Join Date: Mar 2001 Location: Busted Stick, IT Casino cash: $5288304	Retired military, my insurance rocks.
Posts: 4,161

11-11-2009, 12:08 PM	#10
MichaelH Go Chiefs! Join Date: Nov 2002 Location: Gastonia, North Carolina Casino cash: $9302006	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, 12:09 PM	#11
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	#12
Bob Dole King Shit of **** Mountain Join Date: Aug 2000 Location: Texarkana, Texas Casino cash: $2324497	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: 48,654

11-11-2009, 12:13 PM	#13
Stewie MVP Join Date: Oct 2006 Location: West of the Equator Casino cash: $1649901	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: 13,629

11-11-2009, 12:14 PM	#15
Iowanian Supporter Join Date: Aug 2000 Location: Utopia Casino cash: $4638454	HSA through wife's work, high deductible.
Posts: 61,556