Do You Have Health Insurance?

PARA1

$335.00 per month for the wife and I .

__________________
YESTER DAY IS HISTORY, TOMORROW IS A MYSTERY http://paradiseplumbinganddrains.com...bers-dallas-tx

DelW

The wife is a 911 Dispatcher so ours is through the police union. Not bad coverage either. Hers is paid 100% and its like 85$ a month to have me on it. I can't bitch about that. Plus I tend not to get stopped by the cops anymore

__________________
If love is blind, why do they make Lingerie?

J F

Hey PARA1...who do you guys have coverage through...deductibles, etc...how long you've had the policy (s)...thnx.

J

J F

Good coverage einstein....I fully support full benefits for all law enforcement and their families.
(yeah, I know that's another argument)

J

J F

That's what we pay it for, right Tom? Hopefully not to use it....

J

Norrrrrrrrrrrrm

I have health Insurance a few times a year. I go through ehealthinsurance.com they are pretty good. I am about to get a plan for around $130 a month including dental.

__________________
Norman Sharp
http://www.sharpimprovements.com

Nathan

wow, the poll is almost completely even between the for choices.

__________________
Nathan

"He is no fool who gives what he cannot keep to gain that which he cannot lose." - Jim Elliot

J F

I don't think its for choices...it's what we get forced into.

J

Ed the Roofer

Chris,

What if coverage were just offered for each administrative personell? Does that exclude the laboring employees?

Ed

Oh, Wife gets the insurance, and it costs about $ 900.00 per year to cover me and my 5 year old son.

One more thing: I am 50 and she is 31.

J F

Ed's oneupme on a couple of posts now...nice..fffff'in showoff

J

Michaeljp86

I have none but my dad has a family plan and pays $1900 every 3 months. It started out at around $700 every 3 months until he used it. It covers my mom, dad, and sister. I thinks its a waist of money myself, he could spend more and have a way better policy.

__________________
I am just a vessel from which genius flows -Homer Simpson

Global warming is a myth, like evolution and the metric system.

Kgmz

We are with Regence which is a Blue shield provider.
http://www.regence.com/

We have there best plan, Preferred with a $750 deductible. And it covers just about everything, vison, dental, chiropractic, etc. that a lot of other slightly cheaper plans do not cover. In fact they don't offer this plan anymore, but we are grandfathered in until we cancel or change to another plan.

But I just hit the next age bracket since I turned 50 last month, and my rate went up $90 a month. For both the wife and I, she is 41 we pay just over $900 a month now since my rate increase.

I have been shopping other plans, but they aren't really any or much cheaper unless you give up a lot or pay a high deductible. And by the time you pay the deductible, you could have just paid for the better plan.

Milhaus

BCBS - $676.53/mo and $1250 deductible for 5 with riders for my wife and daughter and no pregnancy plan. (not that I want the pregnancy plan anyway, but a couple of them weren't planned) You know, that's the first time I've actually wrote out the I have 5 people in my family. We're almost to the next rate plan I'm sure - sh?t that's a lot of kids!!

I hope i never have to pay $900, but what I pay is still too high. I need to find a doc that sets flat rates for all patients. Flu shot is $20. Done deal. Strep test is $40 bucks. Done deal. So you know exactly what its going to cost. I heard about a doc outside of NYC that operates like this. I wish he was here. I'd switch to him and hazard only in a heartbeat.

mark

J F

You're doing what you have to do...it's expensive...

J

Chris Johnson

Ed;

The way it was explained to me years ago was as an employer I must not discriminate against anyone so what's good for the goose is good for the gander. It only becomes an issue if someone finds out and wants to make an issue out of it...they can and I am told it could be costly...so I just pay my health insurance personally to avoid any conflict.

__________________
Chris

EricTheHandyman

My wife works for an insurance company so we pay about $150/month for medical. It's an 80/20 plan so we have to pay 20%. We went without ins. last year and got burned when she spent a couple days in the hospital

P.S. I'm 31, she's 39 but smokin hot!!

RCPainting

Have not had medical insurance for years. I do have:
Flex Spending Account
Set amount donated from paycheck (pretax)

Catastrophic and Cancer Policy
Pay 40 a month, pays out set amount for certain things, premiums refunded after 20 years.

Put 400 month into savings account, what I don't use for medical rolls into IRA and end of year.

No kids so it works for us. We are both late 40s and fairly healthy, except hubby has diabetes, automatic denial from many insurance, increased rates from ones that will accept.

I had surgery last year and the hospital offered 8% interest on a payment plan or 5% discount for paying cash. I have found many DRs. will offer up to 50% discount if you pay cash at time of service.

After posting this, hubby ripped hand open doing yard work! Drive 50 miles to urgent care, 2 hours and $265 for stitches later he is ok. On the plus side, Dr needs her house painted and hired us!

Electricmanscot

Intersting responses. I have a family plan HMO that I pay $1500.00 a month for. Just increased from $1200.00. And yes, my rates I bill out at are going up too.

Michaeljp86

The electrical inspector said he has to buy his own health insurence and he said last year they spent a little over $25000 for it. Thats with him his wife and daughter. He did say it was a pretty good policy.

There is a huge farm near by and one of the owners said he pays $650 a month just for him, his wife died. He said its a very good policy.

__________________
I am just a vessel from which genius flows -Homer Simpson

Global warming is a myth, like evolution and the metric system.

MidMtnGurl

Individual plan. SelectHealth (Utah).
$126/month for just myself.
$1500/yr deductible w/ $5000 out-of-pocket maximum.

Covers 80% of most services after deductible is met. Deductible is waived for preventitive care office visits, which just have a copay of $15. Deductible does apply to prescriptions, which are $10 after deductible is met.

Works for me for now since I have no real health issues. First time in my life I've had to buy my own insurance. Before starting the contracting business, I always had insurance provided by my employer.

__________________
Attitude: The difference between ordeal and adventure.