Do You Have Health Insurance? - Contractor Talk - Professional Construction and Remodeling Forum

**Nathan** · 03-07-2008, 07:28 PM

I'm trying to get an idea of how many of you have health insurance and what your paying per month for coverage.

Please vote in the poll (anonymous) and if your willing please post below how much your paying a month. Should be interesting!

Thanks

KillerToiletSpider · 03-07-2008, 07:32 PM

My insurance is provided by my local union, and my employer pays for it.

Jason W · 03-07-2008, 07:41 PM

Quote:

Originally Posted by KillerToiletSpi

My insurance is provided by my local union, and my employer pays for it.

Non here!

dkillianjr · 03-07-2008, 07:48 PM

Nope none here either, but one of these days though

Dave

J F · 03-07-2008, 07:49 PM

Yeah, we have BCBS, it's about $700 a month. I'm 40...she's 28

..separate policies.

J

J F · 03-07-2008, 07:52 PM

Meant to add the

after the $700...just got too happy over the 40/28 thing

J

Jason W · 03-07-2008, 07:56 PM

Quote:

Originally Posted by J F

I'm 40...she's 28

J

You deserve an "atta boy" just for that alone

J F · 03-07-2008, 07:59 PM

Thanks...it's only costing me $700 a month

...money well spent...oops here she comes...gotta go fold laundry

J

J F · 03-07-2008, 08:04 PM

Another thing, this same BCBS(blue cross/blue shield) policy...cost me $85 a month in '98.

Actually, it's not the same policy...over the years I've upped my deductible (out of pocket expenses) from $1,000 to $2,500. So I pay more to....pay more....damn...I should have gone to medical school

J

Debs · 03-07-2008, 08:05 PM

Good topic Nathan....unfortunately Health Insurance is way to expensive for the self employed individual, yet no one should be without!

For anyone interested: about.com has a site dedicated to health insurance for the individual, you can find it at healthinsurance.about.com, look for the section on individual policies.

Chris Johnson · 03-07-2008, 08:10 PM

3k a year, family of 4, 3500 deductable

Sir Mixalot · 03-07-2008, 08:14 PM

I did have BCBS individual plan for family of three. $500 a month.(2 years ago)
And invested in getting my wife edumacated @ college. Now she carries the insurance. $300 a month but way better benefits. And it's group insurance.

J F · 03-07-2008, 08:16 PM

Hi Chris

Who do you go through? That seems verrrry reasonable.

How long have you had the policy?

J

J F · 03-07-2008, 08:18 PM

Quote:

Originally Posted by Sir Mixalot

I did have BCBS individual plan for family of three. $500 a month.(2 years ago)
And invested in getting my wife edumacated @ college. Now she carries the insurance. $300 a month but way better benefits. And it's group insurance.

Yeah, a good education goes a long way...in a lot of ways. Good for you guys.

J

Chris Johnson · 03-07-2008, 08:23 PM

Blue Cross, basic plan, got it in September after 3 years with Kaiser which started out at $ 550.00 month and after 3 years hit $ 985.00 a month...considering we see a doctor once a year if were lucky I couldn't justify the cost. It is a just in case thing.

For everyone to know as well if you have healthy insurance and have your company pay for it, by law (In CA anyways) you must offer the same to your employees, i.e. you have your company pay 100% for yourself, you must offer 100% paid to your employees. If you don't want to do that pay for it yourself and avoid the discrimination hassle a disgruntled employee could put you through.

J F · 03-07-2008, 08:27 PM

Quote:

Originally Posted by Chris Johnson

Blue Cross, basic plan, got it in September after 3 years with Kaiser which started out at $ 550.00 month and after 3 years hit $ 985.00 a month...considering we see a doctor once a year if were lucky I couldn't justify the cost. It is a just in case thing.

For everyone to know as well if you have healthy insurance and have your company pay for it, by law (In CA anyways) you must offer the same to your employees, i.e. you have your company pay 100% for yourself, you must offer 100% paid to your employees. If you don't want to do that pay for it yourself and avoid the discrimination hassle a disgruntled employee could put you through.

Thanks for the info Chris. So, is this a policy through an employer then? That makes me feel a little less of an idiot for paying what I do.

J

tgeb · 03-07-2008, 08:28 PM

I pay about $1,200 per quarter for BCBS personal/family policy that we pretty much never use.

J F · 03-07-2008, 08:29 PM

Quote:

Originally Posted by Jason W

Non here!

Jason....keep doing your push-ups and taking your vitamins man...and get a flu shot every year...even if they f$#@ed it up this year.

J

Thag · 03-07-2008, 08:31 PM

I get mine trough the Chamber of Commerce, I pay $468.00 per month.

Brock · 03-07-2008, 09:30 PM

Family of 4 no health ins. Pay as we go. 13 years now. I figure we have saved over $50K in premiums over the years. But, we are blessed with above average health. We will prolly buy it in '09 if Obama wins ofcourse we will be forced to if Hillary gets in.