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Stupid Health Insurance Dilema

I posted a few weeks back, the plan we have now, doubled cost per paycheck.  It went up to $503 every 2 weeks!!!   So basically a little over $1000 per month.  The 2nd plan is the one that covers 75% with a deductible, cost every 2 weeks is $165.

Unfortunately, even with it being pretax I don't think we can afford the better plan.  We would lose a pretty large chunk of $$ every month.  Like a lot, like a car payment or more worth.

This blows.

I can't believe the price on it went up that much.


Fuc&!!!!!!!!!!!!!!!!

Booze, it's what's for dinner imageBaby Birthday Ticker Ticker Birth - 7 lbs. 7 oz., 20 inches 1 Month - 9 lbs., 5 oz, 21 inches 2 Months - 11 lbs., 4.5 oz, 23 inches 4 Months - 14 lbs, 1 oz, 26.5 inches 6 months - 16 lbs, 1 oz, 28.75 inches 9 months - 18 lbs, 6 oz, 29.25 inches 1 Year - 21 lbs, 6 oz, 31 inches 2 Years - 28 lbs., 37 inches

Re: Stupid Health Insurance Dilema

  • FWIW thats still really great ins.  I think our family plan is almost $350 something per check and that just an 80/20
  • If I were to cover my spouse/child my insurance would cost $600-something a month.  For me, it costs $730-something a year.  It used to cost us nothing, but they decided to charge us now.

    DH covers himself and R (and me as a secondary) for $26 per pay period.  

     I think it's outrageous what they charge (not DH's...mine)

  • imageLady*Timot:
    FWIW thats still really great ins.  I think our family plan is almost $350 something per check and that just an 80/20

    I do agree. 

    I'm just pissy over what we currently have more than doubleing per check.  I have a feeling that it probably costs the company a lot of money for the 100% coverage and maybe they are trying to push employees out of taking it.  If so, it worked!!  LOL

    Booze, it's what's for dinner imageBaby Birthday Ticker Ticker Birth - 7 lbs. 7 oz., 20 inches 1 Month - 9 lbs., 5 oz, 21 inches 2 Months - 11 lbs., 4.5 oz, 23 inches 4 Months - 14 lbs, 1 oz, 26.5 inches 6 months - 16 lbs, 1 oz, 28.75 inches 9 months - 18 lbs, 6 oz, 29.25 inches 1 Year - 21 lbs, 6 oz, 31 inches 2 Years - 28 lbs., 37 inches
  • I hear you.  I'm the only one working right now, and the family plan for us is almost $975.00 per month.  We just can't afford it.  So I have insurance for me, but not for DH or the kids.  I pay out of pocket for exams and stuff...and altogether, we never spend more out of pocket than the insurance would cost us.

    I'm really hoping to hear good news from the job I interviewed for.  I worked there before and had full family coverage for only $75.00 per pay.

    Image and video hosting by TinyPic Daisypath Vacation tickers
  • We don't have an option for a plan that covers 100%. The one we are on now is a little less than $300 a month for our family, we have copays of 20 or 40 for specialists, a $500 deductible and is 80/20 for most things beyond that. We had a choice to pay an extra $150  a month to go to a plan that has $15 copays, no deductible and then is 90/10 for most things. But the out of pocket amounts would be the same. We decided that right now, it just isn't the right plan for us, and we don't think we would really see any out of pocket savings in the end. Choosing an insurance plan requires too much thought and is a lot of pressure!
  • Yeah, I seriously hate insurance.  Ours is through DH's work, and the plans are changing and premiums are going way up too.  While I still consider us very lucky, it also still ticks me off. 
    Causes that are important to me: Planned Pethood Graham's Foundation NOCC
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