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Health insurance premiums make me gag
We are going to be paying over $700/month in just health insurance premiums for a family of 4. This just makes me sick. Plus it's a $3,000 deductible and $40 co-pays. This is private insurance, through my work the premiums are a little bit more and no co-pays, instead they pay a small amount then you pay $4,000 before they cover anything. Last year my annual and 2 doctor visits were covered, then everything was out of pocket until I hit $3,000. I hit it before I even had Ian.
I am trying to decide if it's cheaper to use flex dollars for the premiums or if it's beneficial for us to use the write off on our taxes because we will meet and exceed the % per year.
How can anyone afford insurance? This is just ridiculous.
Does anyone use private insurance and if so can you send me your broker info, I want to double check prices?
Re: Health insurance premiums make me gag
I had BCBS on my own for DH and I once we got married. He was self employed and I was still in school. We paid $250/mo and I had no maternity benefits b/c that was an extra $100/mo. We are both fortunate to have good employer insurance but our deductibles are $1500. We are on 2 single plans b/c the family plans are like $500/mo and we don't have kids. It is insane what stuff costs. The only good thing about the plan we had and what we have now (both BCBS) is all vacinations are covered and yearly cancer screenings. We never go to the doctor so really insurance for us is in case of extreme emergency.
My one complaint about my employer insurance is prescriptions. On my old one all generic were free (which is what my BC is). Now I have a yearly $100 deductible and then I pay $10 a month after that. My BC is $25/mo regular price so I have to pay that for 4 months then $10 after that. BS.
Wow! I will stop complaining so much about ours! We pay $500/month with a $5,000 deductible for our private insurance, and they don't cover much at all. It sucks.
DH had an interview at a company a few weeks ago (didn't get the job ::sad face::) but the insurance for our whole family would have been $8/week. I literally cried for an hour straight when we found out he didn't get it.
It makes me sick when I think about how much we pay. We would love to have another baby, but there is no way that would be possible on our insurance. I could go back to working PT to get benefits at work, but even then we would pay $1,000/month ($500 deductible) and I would basically work just for the insurance there would be nothing left to my check.
Ugh.
ETA: I guess ours is just as bad, because you are paying $200 more a month, but we pay $2,000 more on the deductible.
Either way, both of our plans stink.
I have no idea what ours is per month...DH is free, his employer pays for him..I think it's like $500/month for the rest of us? $1000 deductible per person, or $2000 family max..same goes for co-insurance. We do have the $100 rx deductable per year.
Our office co-pays went up when they switched from UHC to BCBS..now we pay $30 instead of $25, but everything else went down...Urgent care from $75 to $45, specialists from $50 to $45 and ER from $250 to $100. RX's copays also went up a bit as well as that $100 deductable..we didn't have that with UHC.
Yup. DH's work is redic. In 2008, for just him and I it was going to be $800 a month -- and it was not a great plan. When I worked at Cox, we paid around $70 a month, with a $600 deductible and an 80/20 policy. Now we pay around $350 a month, and have a HSA that my work puts $2000 in, if we are smoke free, and get an annual physical. But still we spent close to $3000 last year with H's medical issues (which we could have saved $2000 had someone read the lactose test correctly and he not had to go thru a colonoscopy - and all the biopsy.)
Ugh - medical insuance is a racket, but ya need it.