How much do you pay for healthcare?

[zinfamous]

I pay $6/month for Kaiser.

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

UC pays ~$300, last I checked.

 

[Acanthus]

$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.

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.

lol

Laugh your ass off, they've still got it better than a lot of us.

 

[lykaon78]

OP: If you're healthy find a high deductible plan with a health savings account attached. You'll pay the first $X000 from you HSA and then the plan kicks in. Some plans cover routine visit for free.

The money into your HSA is pre-tax and grows tax free.

 

[adairusmc]

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

Speaking for myself at least (and I know there are very shitty VA docs), I have gotten nothing but excellent care from the Boise, ID VA hospital. We have a local outpatient clinic too, but I have never been there.

I keep going to Boise because I have a good doctor, she is my age, and smoking hot.

 

[lokiju]

$4,976.66 year

$191.41 per pay check (get paid every other week).

This is for the family plan which covers myself, my wife and my kid.

 

[DisgruntledVirus]

I knew I shouldn't have opened this thread.

With buying 5 PTO days, life insurance, disability, dental, vision, medical I'm at $72/pay period which is $144/mo. For just medical, without other stuff and only medical (no dental/vision/PTO/etc) I'd be paying $120/mo or so. This is with Blue Cross.

That is $500 ded for in network, $1000 for out of network. $2,500 out of pocket max, and 80% of coinsurance is covered until the max (after it's 100%). There's a $50 copay for urgent care, and $100 copay for emergency room (that is waived if admitted). A $5 copay for generic prescriptions, 30% of name brands is what I'd pay.

 

[JDub02]

$60/month for medical + vision
$2500 deductible
I put $200/month into a health savings account that is tax free when used for medical related expenses.

$11/month for dental

 

[kalrith]

To get insurance through my work would cost about $600/month for my family. Thankfully my wife gets it for free through her work. I pay about $12/month for dental, and that's all.

 

[ch33zw1z]

~400/mnth health/vison/dental for My wife, 1 kid, and myself. No co-pays, very good prices on meds, but only via mail-in process.

 

[slackerinabox]

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..

You've Got Cancer!

The cliche about completely healthy people getting cancer due to no fault of their own isn't really a cliche - it happens all the time. My poor aunt suffered through a decade long battle with breast cancer and she didn't eat red meat, never smoked, never had alcohol, and had a completely normal BMI... She didn't do a think to deserve cancer...

I myself pay $0 for healthcare (employer covers all expenses, save for the usual co-pays). I'm very, very fortunate and, yes, I would much rather my tax money be spent on keeping people healthy and saving lives of people less fortunate, than on war. But i'll remove even that hippy notion - fine... Spend my tax payer money on war.. War is part of the human condition. I'll be ok with that, as long as we're also creating a system that protects the less fortunate.

It's always boggled my mind - I like $1 hamburgers at McDonalds.. To keep that price, McDonalds has to pay their employees so very little... Even at $8 an hour (which is more than minimum wage here in NYC), there are adults who are making $320 a week - less than $300 after taxes! What can you do with that? But we need those people, we depend on the work of the faceless lower class .. The janitors.. The department store clerks.. They work the jobs that we don't want to, the least we could do is offer them healthcare.

 

[Farang]

one hundo

 

[A5]

$306.50/mo for wife and myself for medical, dental, and vision (employer pays $550/mo).
No deductible
$15 copay on office visits
$10/$25 for drugs
$50 copay for outpatient surgery
$75 copay for emergency visits unless you're admitted, then it's 100% coverage

If it were just me, I would do the high deductible plan for $50/mo, but my wife insisted on full coverage.

 

[Mr Pickles]

To update this thread. I have a clean bill of health with the exception of my shoulder. I dislocated in about 6 months back and then three more times since then playing Ultimate. My sports trainers are telling me now that I need surgery for sure. This is why I decided to pay 160/mo with the low deductible - I actually know I'm going to be using that deductible here soon.

If it weren't for that I think I'd be looking into something much cheaper, not caring about the high deductible and not worrying about how much I'd be paying for doctor's visits or meds. I never go to the hospital, avoid meds (even advil and tylenol when I can) and I'm in damn good shape if I do say so myself.

But thanks for all of your feedback. I was wondering where the plan stood on a competitive level across the country. I think I'm sitting pretty good with the plan I have and how much its going to cost me monthly.

 

[Miramonti]

$3900/yr for couple
70/30
$1k deductable each
$45 visit/$55 specialist copay

 

[BrownShoes]

$15/wk for medical and dental with $25 co-pay, I believe, for a single person.

My company has 11k employees so the benefits aren't bad.
My best buddy works for a small company and he pays something like $60 a week for insurance.

 

[AstroManLuca]

I have health insurance through work. No clue how much it costs me but if it costs me anything it's taken out before I see the money.

I do know though that I have no copay and a $1,000 deductible, but my work pays me $83/mo ($1,000 per year) in a health savings account which I use to pay the bills. So I don't actually pay anything.

 

[Thump553]

Self employed, I pay the full freight. Roughly $800 per month for crappy coverage for two people in great health in their mid-fifties.

 

[erub]

My last job I paid $23/month, they continued that coverage for 7 months after I got shoved out the door, pretty sweet deal.

My new job, they pay me to take coverage! Its a cafeteria plan with 1600 "points" given. But if you are single, and take their basic option (Aetna HMO), they let you keep that $1600 or use it towards extra vacation days. The HMO has $0 deductible and 100% coinsurance, with $10 to see a doctor. Even ER visits are only $50. Downside is nothing out of network is covered, but all the major hospitals here in Las Vegas seem to be part of their network. If you have a spouse/kids, or want to choose a plan that gives out of network option, that will burn up your points quickly. But I'm single and healthy, so I think I'll just stick to HMO and use their doctors.

If you waive medical coverage (like you can get it thru your spouse), they will give you another 1000 points (which are really dollars).

 

[Svnla]

Right now = $45/month (just me) with $5000 deductible. Will go up to $55 next month for no reason (no claim, nothing).

If I stay with my company's policy, I will have to pay about $160/month just for me with $500 deductible.

 

[Adam8281]

this thread needs more poll

 

[SacrosanctFiend]

Currently: $40/month (single); no deductible; $15 copay
Next year: $50/month (single); $400 deductible; $25 copay

 

[Miramonti]

Self employed, I pay the full freight. Roughly $800 per month for crappy coverage for two people in great health in their mid-fifties.

Paying that much, I'm wondering if you'd benefit from an HSA. I've looked into them but never got a good understanding of them.

 

[SupaDupaPan]

$190 per month is the total cost of my HMO. I have HealthNet HMO 40 Silver and Blue Shield Dental PPO ($50).

My employer covers $200 of all medical premium each month, so I pay $40 a month total for my dental.

https://www.healthnet.com/schedule_...oup_Silver_Network_HMO/hmo_sbg_silver_s44.pdf

Is my HMO schedule of benefits which should list everything my health insurance covers.

 

[Platypus]

Nothing, my employer pays for everything.

I have a $15 copay anywhere I want to go.

 

[Thump553]

Paying that much, I'm wondering if you'd benefit from an HSA. I've looked into them but never got a good understanding of them.

I've checked this about every year. A HSA cost almost exactly the same. In fact I think it was a couple bucks more per month the last time I looked-for the same deductibles, etc.

Incidentally what I pay isn't really that much, it's just that so many people have their insurance paid/subsidized by the government (about 30% of the US population) or by their employer. At my last employed job (five years ago) my employer was paying $1400 per month for my family's health coverage.