Health Insurance

SPEEDY MCCREADY

So the company I work for is changing providers, for the 3rd or 4th time in 10 years. My wife and I are covered through her work. Anyway, they handed out paperwork Monday, for everyone to provide their information. The company I work for is switching to Aetna. So I took a look at what the cost was for single coverage and family coverage. Holy hell I was SHOCKED!

Single coverage HMO $37 a week (Ok that's not bad, I guess)

Employee and spouse was $157 a week

Family coverage was $225 a week.

$900 a month for family coverage?

How does that compare with everyone else here?

rgambs

SPEEDY MCCREADY said:

So the company I work for is changing providers, for the 3rd or 4th time in 10 years. My wife and I are covered through her work. Anyway, they handed out paperwork Monday, for everyone to provide their information. The company I work for is switching to Aetna. So I took a look at what the cost was for single coverage and family coverage. Holy hell I was SHOCKED!

Single coverage HMO $37 a week (Ok that's not bad, I guess)

Employee and spouse was $157 a week

Family coverage was $225 a week.

$900 a month for family coverage?

How does that compare with everyone else here?

That's pretty standard really... And those kinds of expenses predate Obamacare, though it isn't improving much.

Leezestarr313

I think we pay around 480 a month, including dental. Our insurance got grandfathered in. It is still not like in Germany, cause for the money you pay here, you get shit. But it is better than no insurance.

Edit: We are both self-employed.

SPEEDY MCCREADY

rgambs said:

SPEEDY MCCREADY said:

So the company I work for is changing providers, for the 3rd or 4th time in 10 years. My wife and I are covered through her work. Anyway, they handed out paperwork Monday, for everyone to provide their information. The company I work for is switching to Aetna. So I took a look at what the cost was for single coverage and family coverage. Holy hell I was SHOCKED!

Single coverage HMO $37 a week (Ok that's not bad, I guess)

Employee and spouse was $157 a week

Family coverage was $225 a week.

$900 a month for family coverage?

How does that compare with everyone else here?

That's pretty standard really... And those kinds of expenses predate Obamacare, though it isn't improving much.

I just thought it seemed pretty damned high.
It just kind of shocked me.
When I first got in to the trucking industry, I think I was paying $7.00 a week for Blue Cross.

riotgrl

Sounds about right. My husband works for a very large company and they dumped me off his insurance when Obamacare hit and I think that is becoming very typical of these companies. Although, I read an analysis of that phenomenon and the thought was that it would eventually cost companies more money to dump spouses. But they've got to keep those shareholders happy!

Last-12-Exit

insurance = 1 of 5 top scams this country runs

Indifference71

I was on my wife's insurance since hers is better than mine, but had to go back on my own this year because her company added some bullshit $100 per month surcharge for me to be on there since I'm able to get insurance through my company. It just made things easier for us to be on the same policy so it kinda sucks. I think we both pay around $100-125 per month each so it's not too bad.

Halifax2TheMax

I pay $770.99 per month for family medical, dental and vision. I can tell you that since Obamacare kicked in, my premiums and co-pays have had a much lower rate of growth, from what was previously double digit % increases to single digit % increases.

hedonist

I thought it was the ACA? Everyone's calling it Obamacare

hedonist

As to the OP, my employer has changed providers more times than yours. My husband is insured through his company - pretty reasonable - and for me, monthly paying three bucks for dental and just over a hundred for medical.

My company kicks ass.

rgambs

hedonist said:

I thought it was the ACA? Everyone's calling it Obamacare

It's just easier that way lol. Opponents don't know what the ACA is lol

jeffbr

rgambs said:

hedonist said:

I thought it was the ACA? Everyone's calling it Obamacare

It's just easier that way lol. Opponents don't know what the ACA is lol

Plus, as this thread demonstrates, ACA isn't so A. I know my premiums skyrocketed, my coverage became worse and my deducible and co-pays went up so much that I no longer can afford to use the insurance I'm paying more for. But I also know people who are now covered who weren't previously, so I'm happy for them. Hopefully things will settle down and Obamacare can really become the ACA it was intended to be, but since most policy, including this, is created by lobbyists and beholden politicians, I won't hold my breath.

callen

rgambs said:

hedonist said:

I thought it was the ACA? Everyone's calling it Obamacare

It's just easier that way lol. Opponents don't know what the ACA is lol

Joke of the day. Ha

gimmesometruth27

cough single payer system cough.

ldent42

I benefited from Obamacare. I was scheduled for surgery on a torn tendon when I was laid off and my insurance was terminated. There was a paperwork problem with the insurance company and my coverage lapsed so the surgery had to be postponed for a couple months due to my surgeon's schedule. The monthly payments were $750, which isn't including all the copays. (The post surgery PT would've cost $100/week in copays alone, and transportation wouldn't be covered. I don't even know how much the copay for the actual surgery would've been.)

Long story short I didn't get the surgery. Because of where I live I am fortunate enough to have access to a million different hospitals, most of which offer services for people without insurance and no money. I went through 4-5 different programs and only one of them had an orthopedic clinic. The appointments are hard to come by and waiting times are measurable in weeks, months. The hospital with the orthopedic clinic was through some problems/changes or something and they kept rescheduling my appointments postponing them so long that my MRIs from the surgeon were no longer valid and would have to be redone. Through this whole time my leg was getting worse and worse, and I couldn't do nothing about it.

Eventually the Obamacare stuff kicked in, including the expansion of Medicaid coverage. One of these door to door guys came and told me. I was floored. I thought it was gonna be like a year until Obamacare started. I applied online and got full coverage! By this time the torn tendon was the least of my problems. I wound up with sciatica, disrupted disks in my back, my spine is misaligned, etc etc etc. All related to the stupid injury that I was walking on for all that time. Now that I don't have $100/week copays I'm gonna do PT for a few months before I agree to give the surgery a go.

It's not all sunshine and roses though. Yes I finally got insurance coverage, yes I'm grateful, but guess what? I had to call more than 30 PT places before I found one that takes the insurance coverage. I spoke to a couple other doctors about it, no one wants to take it because the red tape/paperwork involved. The admin costs outweigh their payout. And the website where you log in and find a doctor just lists all of them, not the ones that accept their insurance. This dentist's office didn't believe me, made me pull it up on their laptop to show them that they're popping up on the list. So yea I coverage, but it takes a few hours and a lot of frustration to find a provider that accepts it. That's makes you wonder about the quality of care don't it?

On the other hand the punishment for people who are working at jobs that don't offer insurance is ridiculous. Married couple friends of mine working for two separate small businesses wound up with catastrophe coverage for a couple hundred dollars a month. It's unusable coverage, just a tax basically. Another friend got quoted $350 a month so he decided to just pay the penalty. THIS part of the law I have objections against.

I don't know enough about the way other countries do this like in Europe, Canada, Australia, but I think that's part of the problem, Americans are kept ignorant of that shit so we don't riot in the streets. It's one thing to hear that it's so much better in Sweden, it's another thing to [I] understand [/I] how their system goes compared to ours. The single payer system should've been implemented. Though right now since I'm benefiting from it most people would suggest i keep my mouth shut.

HesCalledDyer

If you think what comes out of your paycheck is bad, your employer is probably paying 3-5x that toward your plan additionally. What a fuckin racket insurance is!

Malroth

I've been paying home insurance for 10 yrs. One day agent stopped by the house to say I had to remove dead tree or I was getting kicked off of insurance.
Their whole job is to do as little as possible for you, while you pay them every month.
(sorry, not health insurance related)

Last-12-Exit

Malroth said:

I've been paying home insurance for 10 yrs. One day agent stopped by the house to say I had to remove dead tree or I was getting kicked off of insurance.
Their whole job is to do as little as possible for you, while you pay them every month.
(sorry, not health insurance related)

Another reason I think that insurance is one of the biggest scams this country try holds over our heads.

i_lov_it

Insurance Companies are Scammers...Con Artist...Rip Offs call them what you will.