Health Insurance...I need to vent...and how much do you pay?

Edge08 · October 2011

I work for a large hospital who happens to be "the best company to work for in MN". I got a letter today from the hospital saying our health insurance premiuma are again increasing. Now this isn't a surprise, we were told our rates would be increasing over the next three years at a meeting last fall. I'm just bitter that I went from paying $32/pay period to $97 starting in January. I know it could ne worse (we wince had to pay $1500/mo when dh worked for the county. I'm frustrated that our coverage isn't that great and we keep paying more and more and getting less. For being such a great place to work, and I do love my employer...I just feel disappointed. What do you pay for insurance?

TaylorNShannon · October 2011

About $350/month for DH and me. $50/month is a surcharge because DH has insurance available through his employer (it seriously sucks though, so the surcharge is worth it...).

naylon511 · October 2011

FWIW DH works for a huge NYC Hospital too (well, a practice w/in a Hospital, but anyway....) and their Health Insurance options are THE WORST. So, I haven't found that medical field = better insurance at all.

I think our insurance is great but DH would tell you that it's more for a healthy person (higher deductibles) than his used to be (they used to have great insurance which cost more per pay period but you basically paid nothing else, ever).

Mine is like $90 or so a month for Me, J and J. $10 office visit co-pay, $400 per person yearly deductible and $1,000 per person out of pocket max per year.

Beth&Derek · October 2011

I pay $70/pay period, so $140/month for just me. $15 co-pay, no deductible. DH pays just about the same for his and our plans are pretty similar. Neither of us have a "plus one" option, so we won't get on the same plan until after we have a kid.

Mrs.MillerJune2008 · October 2011

I pay around $100/month for just me, with a $350 deductible, $10 co-pay, and $1000 coinsurance max (20% in-network). DH and I aren't allowed to be on the same plan since we work for the same employer, and so he is on the high deductible plan which he pays about $20 for.

As usual, Naylon makes me want to work for Google....

naylon511 · October 2011

FWIW DH works for a huge NYC Hospital too (well, a practice w/in a Hospital, but anyway....) and their Health Insurance options are THE WORST. So, I haven't found that medical field = better insurance at all.

I think our insurance is great but DH would tell you that it's more for a healthy person (higher deductibles) than his used to be (they used to have great insurance which cost more per pay period but you basically paid nothing else, ever).

Mine is like $90 or so a month for Me, J and J. $10 office visit co-pay, $400 per person yearly deductible and $1,000 per person out of pocket max per year.

cnstarz · October 2011

Holy crow! When I worked for MD Anderson, it was free. That was bliss. Up until July, we were paying $120/month. In July, my school district went from a self-funded health plan to the state teachers' plan. We had a choice of four deductible/coverage combinations ranging from free to $200/month. I picked the $30/month plan.

UTRachel84 · October 2011

$260 a month for H and I. We have a crappy plan with a 2,300 deductible. Sucky.

dehko · October 2011

Mine is free through my employer. H's is about 90 per month. I think we both have max 2k out of pocket per person per year. When we have a kid, kid will definitely go on H's insurance...a kid for me will be an extra 400 or so per month, while H's will be about another 180.

Jill420791 · October 2011

I have United healthcare HMO I pay $ 307 for health insurance for DH and myself. They just raised my insurance 30$ a month from last year.

Rangergal9 · October 2011

We are under my insurance and since I work for the city we have a good plan... It's an 85/15 split, so we pay $200 a month for an HMO for the whole family.

MrsG.060708 · October 2011

We currently pay about $430/month for Medical/Dental/Vision/Drug coverage for the 3 of us (well, Taryn doesn't have vision coverage yet). We have $500 pp in-network deductible and a $3000 out of pocket max. Our coverage is pretty decent. It's supposed to change next year, but DH has yet to bring me home the information about it.

amybyrd · October 2011

If I took my school district plan, they cover the premium but the deductible is 6K individual, 9K for family(plus the premium would be like 300 out of pocket) were on DHs he pays like 120 out of pocket, we have a 3k deductible for family.

TaylorNShannon · October 2011

Jill420791:
I have United healthcare HMO I pay $ 307 for health insurance for DH and myself. They just raised my insurance 30$ a month from last year.

This is exactly what we have, which isn't surprising since we work for the same state. I think what I quoted is the new price after open enrollment for the standard plan, not the "wellness" plan. Our office copays are $35 now but going up to $45 which is ridiculous considering how much we pay per month use it or not. RX copays are going up too...

mrsjanks · October 2011

Next year it will be $340ish for the family medical. DH and I each pay our own dental and vision separately (like $20 for dental and $15 for vision, each). Co-pays will be $45/$55 special, and deductible will be $2000.

mrs.dilligaf · October 2011

We just switched to a plan that is $650/month, $5000 deductible, and $35 copay. Our other option was $850/month with a $2500 deductible, but we figured it evened out. Being independent stinks. That is lower than what it was a few months ago, but it's still crazy.

Health Insurance...I need to vent...and how much do you pay?

Re: Health Insurance...I need to vent...and how much do you pay?

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