OMG My Health Insurance premiums..

[crownjules]

My company kept our premiums from going up by increasing co-pays for everything but office visits.

 

[highland145]

Might as well necro this one.

15% increase...$493 out of pocket and my coverage sucks. Yeah for the self employed.

 

[jupiter57]

Actually, company healthcare is still a SHITLOAD better than any individual plan.

^This. Group plans are usually cheaper, my policy at my last employer cost them ~$600 mo., $500 deductible, 20% co-pay, $10 per prescription.

My current plan just raised $8.00 mo, from $768 to $776 mo.
BUT: it has a $5K deductible, with 100% coverage after ded. is met, & no Prescription coverage. It's basically a "Catastrophic" type insurance.
(I had less than $3000 in medical bills last year, most of that was from some MRI's.) But at my age, just one serious illness could wipe me out financially if I had no insurance.

And I have 7 years to go before I can get Medicare!

 

[highland145]

^This. Group plans are usually cheaper, my policy at my last employer cost them ~$600 mo., $500 deductible, 20% co-pay, $10 per prescription.

My current plan just raised $8.00 mo, from $768 to $776 mo.
BUT: it has a $5K deductible, with 100% coverage after ded. is met, & no Prescription coverage. It's basically a "Catastrophic" type insurance.
(I had less than $3000 in medical bills last year, most of that was from some MRI's.) But at my age, just one serious illness could wipe me out financially if I had no insurance.

And I have 7 years to go before I'm supposed to get the ravaged/raped/cut version of Medicare!

At any age so I pay and pay.....


Fixed the last line for you.

 

[rasczak]

Might as well necro this one.

15% increase...$493 out of pocket and my coverage sucks. Yeah for the self employed.

Paying $525 a month. Kaiser. Not self employed. :/

 

[highland145]

Paying $525 a month. Kaiser. Not self employed. :/

The last time I checked, I couldn't get Kaiser in S.C.

Coverage, deductibles?

$10K deductible, no co-pays, no drug card, fam of 3, no major health problems.

 

[rasczak]

The last time I checked, I couldn't get Kaiser in S.C.

Coverage, deductibles?

$10K deductible, no co-pays, no drug card, fam of 3, no major health problems.

no deductible, $25.00 copay, drugs co pay, fam of 4, 1 diabetic. (me).

 

[highland145]

no deductible, $25.00 copay, drugs co pay, fam of 4, 1 diabetic. (me).

<----jelly.

 

[Sho'Nuff]

Aetna PPO - 250/month for family (through the federa, government). 2k "fund." "Fund" is applied until 2k is met. Then wife and I are responsible for next 6k individual deductible, 10k max.

Overall not bad coverage. We maxed out the deductible last year (daughter had surgery, I had surgery), but felt like it was a good deal ($10k out of pocket for open heart surgery and gall bladder removal seems like a deal). Most of the time we don't come anywhere near using the 2k "fund", which is nice because the unused balance rolls over to the next year.

 

[Hayabusa Rider]

Don't worry, it's 2014 and onward you'll have affordable care you can't afford. Things aren't looking like we were told and I predict it will be everyone else's fault.

 

[SphinxnihpS]

Making Healthcare Affordable


Math setting in for you guys?

 

[Mxylplyx]

Mine went up a few percent like it has just about every year, but I pay only $220/mo for very good health insurance for my wife and kid, and it's going to go under $200/mo in a few months since they chip in more every year starting at your 5th year anniversary, eventually going as low as $120 at year 8. Makes it very difficult to leave this place since any increase in salary would be largely erased by the increased cost of benefits.

 

[Paul98]

Went up less than a dollar lol, where since 2006 it has more than doubled in price. Last year or two it has gone up very little.

 

[alkemyst]

very little changes here as well. Between health, vision and dental I am looking at around $10 for my Employee + 1 plan each month.

 

[PlanetJosh]

Aetna PPO individual here, through AARP. Yeah AARP, I'm not real young anymore, over 50 but under 60, and just me, no family. Premiums are $330/mth USD up from $260 around 2 years ago.

Aetna sent letters explaining the increases with carefully worded sort of politically correct reasons like "due to national health reform measures." I paraphrased it but it's close enough I think. Yearly out of pocket expenses are capped at about $8,000. I don't think that would include the majority of drug prescription costs.

 

[sactoking]

Just FYI- any premiums you see now may not include the majority of ACA-related reforms. The reforms are for policies issued or renewed on or after 1/1/14. If you have group health that's being renewed now or soon you won't see the effects until next year's renewal (since that's the one on or after 1?1/14).

 

[Hayabusa Rider]

Just FYI- any premiums you see now may not include the majority of ACA-related reforms. The reforms are for policies issued or renewed on or after 1/1/14. If you have group health that's being renewed now or soon you won't see the effects until next year's renewal (since that's the one on or after 1?1/14).

Yep, and it looks like the punishment tax isn't going to offset costs. Looks like obamacare won't have the base predicted.

 

[GregGreen]

SO instead we'll let the govt manage it and my taxes will go up. Thanks I'll take my employee health care as at least I'm only paying for me there.

You don't understand how group plans work, do you?

 

[Craig234]

lucky you. mine went up and dropped some coverage.

Brain damage increases the cost.

 

[Howard]

Brain damage increases the cost.

Not if they don't know about it. Then again, I guess you'd know from personal experience?

 

[Ns1]

I found out my company provides this info:

For Plan Year 2013 Per Pay Period Per Year
Before Tax Costs $58.17 $3,024.96
After Tax Costs $4.32 $224.64
Total Cost $62.49 $3,249.60
Total Employer Cost $157.67 $8,198.52

 

[SparkyJJO]

Mine is a lot higher than it was. Gotta pay for all those freebies for the illegals somehow I guess

Any time the government calls something "affordable" or "cheap" you know they're lying.

 

[Jadow]

mine is going from 51 per paycheck to 124 ugh