How much do you pay for healthcare?

[rh71]

http://forums.anandtech.com/showthread.php?t=334616

Paid $0 but it turns out if I actually have to use it for ER / surgery / etc. there's a deductible ($700 max) and then I pay 20% of whatever. Office visits were just a small co-pay but I never went to those.

Changing to a ~$50/mo. plan where I know I'm covered if fit hits the shan. Already been on the operating table once - you never know.

 

[TraumaRN]

I work as a nurse at a hospital. For me and my wife $126/month. Both of us in our 20s, nonsmokers, no medical issues.

No deductible, $5/$10 prescriptions, 0 copay for doctors visit.

 

[duragezic]

My previous plan was an EPO:

coinsurance: $18/wk (so I paid $864/yr and employer paid about $4200/yr)
copay: $15
no deductible
meds: $10 to $30

With cost cutting measures, they got rid of the EPO, and the $250 PPO which I previously had for $12.65/wk now costs $18/wk. Nice 50% increase in a year.

But now I'm laid off. I'm going to do the COBRA my benefits for about $175/mo after the 65% ARRA subsidy. If not for the stimulus bill, I'm not sure I would use COBRA. But for $175/mo good medical and dental coverage, it's worth it. My prescription for a month is like $230 alone.

 

[Red Squirrel]

$0 eh.

 

[Pepsi90919]

All these people saying zero, do you actually have health care or are you just uninsured?

Canada?

 

[Red Squirrel]

Canada?

Yep.

If you want to get technical, we pay through taxes, but I don't count that. Taxes are just going to a big pot, and some of it happens to be health care. If I break a leg or need brain surgery, I don't have to pay anything to get anything done nor do I need to pay a specific fee to be illegible. So I consider it free.

 

[Rudee]

Not a dime! <--Canadian

 

[DrPizza]

All these people saying zero, do you actually have health care or are you just uninsured?

Full coverage.

 

[Sasiki]

$500/mo family coverage - Blue Cross Blue Shield of Alabama. $35 copay - $500 deductible. It's not bad insurance, just a little expensive since we had some high $$ claims last year at the company.

 

[Pepsi90919]

Not a dime! <--Canadian

*phones the CRA*

 

[Mike Gayner]

$0.00 per year and $0.00 per hospital visit. If I have an injury that precludes me from working it's $0.00 for treatment, then I get 80&#37; of my wage until I can work again.

 

[shabby]

Not a dime! <--Canadian

Yup, its free here

 

[Bignate603]

Yup, its free here

It's not free, you just don't see a specific charge coming out of your paycheck.

 

[TheVrolok]

It's not free, you just don't see a specific charge coming out of your paycheck.

That's way too complicated for them to understand!


I pay 149.40/mo. 0 deductible in network.

 

[adairusmc]

All these people saying zero, do you actually have health care or are you just uninsured?

Uninsured, but I have the VA for anything I would need, since I have a 70% service connected disability.

 

[shabby]

It's not free, you just don't see a specific charge coming out of your paycheck.

Assuming i get a paycheck... i could be a successful bank robber and be getting free healthcare.

 

[mrrman]

$150 per month covers me and my 2 boys, $1 for prescriptions, 80&#37; of dental is covered...I am in Canada

 

[MoPHo]

I don't have any insurance...

 

[StageLeft]

$260 for a great plan for the family. I do believe that's monthly but i've not checked in a while.

They are whittling benefits/increasing costs this year, perhaps less than most people are getting hit because the company is huge and can influence the insurers to a degree, I'm not sure.

I have spent $0 at doctors' offices since 1987. I do eat right, take vitamins, and get plenty of exercise. My gym membership is $528 a year and quality food and vitamins aren't cheap. So I do spend some money on health care, just none on health care givers. That said you can understand why I don't want my taxpayer dollars going to provide health care to smokers, the obese, alcoholics, drug addicts, etc..

This is very important, but you are not invulnerable. One day you will get sick and it may be your fault or it may not be. For all you know you have a cardiovascular issue that will pop up despite no family history (very possible) or who knows what.

Taxes are just going to a big pot, and some of it happens to be health care. If I break a leg or need brain surgery, I don't have to pay anything to get anything done nor do I need to pay a specific fee to be illegible. So I consider it free.

lol

 

[drebo]

I pay $320/mo for my wife and myself, employer covers $125 of that. Since we are both generally healthy, we have it for major medical only. It's $1000 deductable, but I get 3 doctor visits per year at $30 copay first, and max $4000 per year out of pocket. Generics are $15 and brand name drugs are $30.

Interestingly enough, before we were married, my premium was $120/mo, so I wasn't actually paying anything. When it went up to $320 and I started being responsible for more than half of it, I was also able to claim Married 1 on my W4 which changed my withholding. My takehome pay actually went UP $100/mo, even after my premiums increased. They're deducted pretax, so the combination of the two left me with more money and coverage for my wife.

Once she's unionized at her new job, though, we'll probably switch to that. Has to finish the probational period first though.

 

[bob4432]

permanent disabled thanks to the usps. on the federal employees health care plan w/ aetna. i thinks it is ~$320/mo for myself and wife on aetna hmo/open access, then $10/generics, and upto $50 for brand name meds if it is covered. $150/day hospital up to $750. $20/doc visit, $30/specialist/mental health. shitty dental, shitty vision

add in ~$150/mo for prescriptions for me, and i think ~$50 for the wife and we are at ~$520/mo easy

it usually ends up more as i will usually see one of my docs a month and other misc bullshit.

 

[Colt45]

zeroh

 

[PhoKingGuy]

Uninsured, but I have the VA for anything I would need, since I have a 70% service connected disability.

Coming from someone whose worked on the med side of a VA, I don't really call it health care, more so russian roulette

 

[GodlessAstronomer]

$0.00
Or if you count my taxes... errr $0.00
Damn I'm such a leech.

 

[zinfamous]

I pay $6/month for Kaiser.

Full everything = vision + dental +$10 copay. forget deductible.

UC pays ~$300, last I checked.