What rates are you getting for Healthcare?

[Scarpozzi]

We're double covered because I pay for insurance and my wife gets it through work as well... We're a family of 3...soon to be 4.

Both are PPO plans. Her plan is covered by employer 100% as part of her package. Deductable is $5000 Out of pocket max is $10000

For mine, I pay $326/month for the family and the deductable on that plan is $1200 with an out of pocket max of $5000

Coverage on both plans is about the same, but we're happy having both *just in case we need extra coverage.

 

[Vdubchaos]

It's FUBAR because the government keeps fucking with it. If they'd get out of the way, people could choose what they want to buy.

Well, not exactly. Entire healthcare system has been running wild for MANY years.

You can't just blame the Government.

Insurance Companies, Pharma, Doctors, nurses.......public, just about every single area is to blame.

Not saying that Government is not be be blamed here.

 

[Scarpozzi]

Well, not exactly. Entire healthcare system has been running wild for MANY years.

You can't just blame the Government.

Insurance Companies, Pharma, Doctors, nurses.......public, just about every single area is to blame.

Not saying that Government is not be be blamed here.

The REAL problem is that the insurance companies are so well seated in the industry, they would have be busted up and removed to save us money. It's a double-sided issue.

1. People get surgeries and procedures they don't need and run up bills they cannot afford.
2. Insurance companies will negotiate lower rates and pay the doctors a decent amount of money

So you get those who self-pay or don't have insurance...but for the majority of Americans, they rely on either the government or insurance to pay the bills. The catch is, insurance companies take in a lot more money than they pay out. The money they make as profits are not passed on to the doctors, who ultimately negotiated lower compensation for the work they did and settled because the patients themselves may not have payed at all or would have taken much longer to pay their bills.

The Affordable Care Act only strengthens the broken system, BUT in-theory may allow new insurance startups to enter the market and provide healthcare at lower prices when the other companies try to price gouge....which has been a major problem in the past 15 years.

My favorite argument is that Obamacare is causing healthcare costs to rise...because they were going to rise NO MATTER WHAT due to the way the system is setup. I don't like the insurance system because I feel as though you're paying for services you may not be rendering....this system is not socialized medicine.... Private corporations are making money off Americans, so it's not government-run either.....just government monitored.

 

[sixone]

Well, not exactly. Entire healthcare system has been running wild for MANY years.

You can't just blame the Government.

Insurance Companies, Pharma, Doctors, nurses.......public, just about every single area is to blame.

Not saying that Government is not be be blamed here.

The government has been messing with it for decades now. It didn't start in 2010.

 

[Vdubchaos]

The government has been messing with it for decades now. It didn't start in 2010.

I know, that's how our Government ended up paying more money per person for healthcare than countries that have social care.

Just like war, it's Corps driving Government to extract money for business from Tax payer.

Regardless, greed is out of control and it doesn't help that the entire industry is profit driven.

No ONE want to make less money or take the hit.....so it will keep going up until it explodes like you said.

 

[Golgatha]

$304 monthly cost (Family of 4, 2 kids)

$20 Copay PCP, $30 Specialist, $50 Urgent Care, $100 ER, $150 deductible per day hospital stay, Covered 80% after $150 deductible for hospital. No referral necessary for specialists.

$500 individual, $1000 Family Calendar Year Deductible.
$2500 individual, $5000 Family Out of Pocket Maximum.

 

[RagingBITCH]

I pay less this year with a better plan. (Blue Cross Silver vs Aetna Basic) Granted, it's because my company is footing a fixed credit per person, so the two plans (and/or providers) above mine will be more out of pocket. Forgot the actual numbers per month, but the company made it fair by offering a lump "sum" to everyone and letting us make our own decision.

 

[Golgatha]

We're double covered because I pay for insurance and my wife gets it through work as well... We're a family of 3...soon to be 4.

Both are PPO plans. Her plan is covered by employer 100% as part of her package. Deductable is $5000 Out of pocket max is $10000

For mine, I pay $326/month for the family and the deductable on that plan is $1200 with an out of pocket max of $5000

Coverage on both plans is about the same, but we're happy having both *just in case we need extra coverage.

All you're doing is setting yourself up to have your insurance companies fight in court over payment issues while you get sent to collections by the hospital.

 

[Gooberlx2]

All you're doing is setting yourself up to have your insurance companies fight in court over payment issues while you get sent to collections by the hospital.

This. The employer insurance will be on the hook for their employee, but it'll get confusing for any kids who are double covered from both parents.

 

[crownjules]

Harvard Pilgrim HMO for individual. $50/mo, $1000 deductible, $3000 max. Pretty much the same as last year just a couple bucks more per month.

 

[zinfamous]

I get Kaiser here so I am officially awesome.

 

[TwiceOver]

No idea. Haven't even looked. My wife and I are covered by our employers and then she covers our son because it is insanely cheap for her.

 

[midwestfisherman]

$460 monthly cost (Wife and myself)

$20 Copay PCP, $20 Specialist, $50 ER (unless admitted to hosp. then $0 copay).
Covered 100% for hospital.
Includes Vision plan ($20 copay) and Prescription plan ($5 - $15 copay on drugs).
Monthly diebetic supplies and cpap supplies covered ($0 copay).
$0 Deductable, $0 Out of pocket.

 

[Mxylplyx]

I pay 224/mo for VERY good comprehensive family coverage. $200 calendar year deductible with $1000 maximum out of pocket. Next year it goes down to $177, and then to $128 the year after that. I've wanted to leave the company a few times over the years to seek better pay, but the health insurance rates are always a deal killer. I've been here almost 8 years, and I'm floored by how much others have to pay for inferior benefits. I'm pretty much trapped at this company because of it.

FYI my company is self insured, and lets blue cross administer the plan.

 

[soulcougher73]

$160/m for my wife and I. What is sad if i were single it would only cost me $40/m.

$2800 deductible
$6000 max out of pocket

Company adds $1000 to HSA.

 

[KeithTalent]

I get Kaiser here so I am officially awesome.

Spoiler alert!

KT

 

[PrinceofWands]

I don't do insurance, so no clue what those prices would be. However, since you asked about health care, not health insurance:

A doctor visit usually runs me ~$100, basic labs run ~$30-150, xrays last time were $250, etc.

 

[AreaCode707]

I get Kaiser here so I am officially awesome.

Til you need to be diagnosed with something. I'm avoiding Kaiser at all costs. Ever since it took them a year to diagnose my rheumatoid arthritis after I was presenting with literally textbook classic symptoms I haven't trusted them as far as I can spit. Friends in the medical field around here have told me they avoid working for Kaiser so they don't have to have it as their medical plan. They're good for treatment but really really crappy at diagnosis.

 

[Colt45]

$0, civilized country.

Although we have to pay for prescriptions & dental, as we aren't socialist enough. Company plan pays for most of that, though.

 

[mode101wpb]

Wait till next year or two, more employers will drop benefits coverage and tell you to get it through the exchange. They will do this since most will qualify for aid while many will not in essence making the middle class pay more out of pocket thus raising your monthly expenses.

Doubtful employers will pay more to offset the higher cost. It's only a win win for people who qualify for an Obama phone.

 

[OverVolt]

Til you need to be diagnosed with something. I'm avoiding Kaiser at all costs. Ever since it took them a year to diagnose my rheumatoid arthritis after I was presenting with literally textbook classic symptoms I haven't trusted them as far as I can spit. Friends in the medical field around here have told me they avoid working for Kaiser so they don't have to have it as their medical plan. They're good for treatment but really really crappy at diagnosis.

Thats not chronic back pain just don't bend your back that way duh!



Sort of true though.

 

[Sinsear]

$0; employer picks up entire tab

 

[halik]

$0, civilized country.

Although we have to pay for prescriptions & dental, as we aren't socialist enough. Company plan pays for most of that, though.

Советский Союз


That is a matter of argument...

 

[Scarpozzi]

All you're doing is setting yourself up to have your insurance companies fight in court over payment issues while you get sent to collections by the hospital.

We are each primary on our own accounts. They actually work it out rather well. In the past 4 years, we've had a few incidents that we've never been billed for.

We never pay copays for anything except prescriptions.

 

[OverVolt]

As per the OP I pay around $131 for crappy insurance its really just so that I don't go bankrupt if I were admitted to the hospital other than that I mostly just pay for the dentist/doc out of pocket.