What is your monthly outlay for medical insurance (medical, dental)? I'm getting the shaft at our company paying $700/mo . On top of that ridiculous premium, our coverage is just garbage and copay is $20/visit.

Just wanted to see how badly I'm getting screwed on health insurance.

Chime in.

Thanks

 

It's all over the place. My family is $445 a month through my wife's work. My business provides health for two older adults. $559 a month and $935 a month, each person is single. Makes me sick every month. Every two years i have to go find a new provider becasue they jack rates up constantly. Neither go to the doctors except for an annual checkups.

Health care costs will bankrupt this country.

 

Now that I'm budgeting for a mortgage on a new home, I'm looking at things with a fine tooth comb. The amount I pay for health insurance really made me sick to my stomach.

I flipped through my paystubs and noticed that when I was single back in '03 I was paying $150/month. Now it's me, my wife and 6 month old son and it's $700/month.

With healthcare costs on the rise, the government increasingly in my pockets because "I make too much money" and wages declining...it makes you wonder what the hell you're supposed to do to aspire to the "American Dream".

 

We pay $315 a month with Blue Cross/Blue Shield for health insurance (no dental or vision). $20 co-pay for doctors visits, $250 a year deductible per person (max $750 per family per year), and 80% of cost covered.

I've got a wife and daughter, so this covers three people. It will stay the same no matter how many kids I have, apparently.

 

I pay little over that PER YEAR ! Sorry to hear that. American health care system = JOKE.

 

$29.

I'm in the Air Force.

 

The whole point of insurance is to cover the big hits that happen once or twice in your life. If you need a pacemaker or something similar, you'd be looking at costs well over $50,000.

My uncle had a defibrillator put in late last year. He had it removed last week because it was causing an infection. The device cost them $50K and it wasn't in use for even 12 months. He's been in and out of the Mayo a few times, and the number of specialist and other personnel, including a helicopter ride at one point, really racks up the bill. The argument could be made that everyone along the line is making too much money, but how many people would say no when it means their life? It's not like we all don't have an option with medical care just like every other purchasing decision.

It seems to me that part of the problem with spiralling health care costs is that new technology costs money, and everyone thinks that their health care plan should be a Ferrari or Rolls Royce even though most of us don't make Ferrari/RR money. Then they complain when that kind of care means that their premiums need to be high enough to support the costs far before they ever need the care. Health insurance is largely paying for something in advance. Few of us will live long enough after an expensive illness to offset the cost, so if you are expecting an insurance company to cover your costs, you kind of have to pay for it on the front end.

Another factor in group plans is the yearly expenditure. If the dollar value of your group's yearly claims keeps going up, everyone's premiums will as well. The fact is that insurance is typically based on the premise that the higher risk pays the higher premium, but in a group plan, everybody shares a higher base rate when you have a few exceptionally high claims. You might consider it as if simply being a member of that group increases your risk.

The only way to lower health care costs is to stop demanding ever more expensive care. And nobody is going to do that when they can piss and whine for free.

 

what a timely thread
http://www.imdb.com/title/tt0386032/

 

you mean the insurance is a joke?
US health care is the best in the world in the history of mankind (as long as it's paid for). Rich people don't go to Russia or England or Canada or wherever for the very top health care, they come to the US.

 

$380 per month for two people which includes dental and vision.