employee based health insurance
Melzombie
Charleston, SC Posts: 200
this is obviously for those residing in the U.S.
I just started a new job a couple of months ago and just signed up for the health insurance plan.
Shit is expensive. I'm single, early 30's, healthy, non-smoker and was quoted $383 a month just for me and for medical insurance only (no dental or vision)
My employer pays 50%. This means $191.50 comes out of my paycheck per month.
My deductible is $3,500 and I have to pay a doctors office copay of $40
This seems super high to me. I use to work for a larger corporate company and the insurance was better and less money. I got all three vision, dental, and medical for less than what I'm paying now for just medical.
Is this a normal rate? How much do you pay? Anyone work in the health insurance field chime in?
I think U.S. health insurance is all one big scam.
I just started a new job a couple of months ago and just signed up for the health insurance plan.
Shit is expensive. I'm single, early 30's, healthy, non-smoker and was quoted $383 a month just for me and for medical insurance only (no dental or vision)
My employer pays 50%. This means $191.50 comes out of my paycheck per month.
My deductible is $3,500 and I have to pay a doctors office copay of $40
This seems super high to me. I use to work for a larger corporate company and the insurance was better and less money. I got all three vision, dental, and medical for less than what I'm paying now for just medical.
Is this a normal rate? How much do you pay? Anyone work in the health insurance field chime in?
I think U.S. health insurance is all one big scam.
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Comments
Now I'm on my husband's through his work...an increase in his premiums but worth it (and financially more beneficial). I think the total for the two of us is roughly $400/month for medical and dental.
As with matching IRA contributions, different organizations will pick up the bulk more or less than others.
It is indeed frustrating, and I wish I could offer more - but congratulations on the new job!
The company I work for only has around 50 full time employees and not all of them use the insurance (they have their spouses insurance)
Insurance is a huge cost for employers and for small business owners there is not much of a way to defray this cost other than sharing with employees or paying a staggering amount themselves.
(This is why so many SB owners freaked when the rules changed last administration)
An employer paying 50% if a small company is really quite good.
What I pay per month for my family (no dental/vision, those are out of pocket) would stagger you.
I'm sorry that you have a situation you do not like.
But yeah, the whole system is all over the place. I'm on a separate plan from my wife and kids since both of our employers would charge us a penalty on top of the increased monthly premium if we were to go on each other's plan since we can each get insurance from our own company. That's pretty shitty that they are able to do that. Would be much better if we were all on the same plan.
Because he participates in a healthy living program, we do not pay for our health insurance.
We are partial pay for dental and life.
We pay out of pocket for eye.
We pay maybe $142/month for our family of three. Family deductible is $1000/year. $25 general doctor copays. $35 specialist. Discounted prescriptions. Flu shots through Walgreens and measles booster through CVS to avoid office visit copay.
Since our daughter was a county adoption and because of her drug positive birth status, she has Medicaid secondary through 18. It was incredibly helpful when she was in therapy for a few years. Psych copay is 50%. She also had a very suppressed immune system for the first 11 years. So glad we had it for all of those doctor visits we made.
2016: Lexington and Wrigley 1
Ever since Obamacare (actually Romneycare was the beginning of it all here in MA) was implemented, the premiums have about tripled in that time. And the benefits have been reduced, never had a deductible till past few years, now every plan has them. So on top of paying about 20K for the plan I have to pay the first $2,000.00 out of pocket for any expenses.
Worst government plan ever. Force everyone to have to carry insurance and allow for profit companies to control the cost with no oversight.
Im paying over $100 a week AND we have like a $10K/year deductable. We can even take a kid to the doctor without thinking over financial ramifications.
FREE MARKET
Its a god damn racket and we are all the suckers. People should be marching in the street over this
I have friends that are in medical debt (even with insurance!) because they are always sickly.
$1000 out of pocket max
$50 ER visit (waived if admited)
$25 office visit co-pay
That, is why we are willing to come out in droves to rally, or even strike to maintain what we already have. Very fortunate to have that.
Curious how fortunate some other unions are with their insurance.
I think we have a couple of unions where I live, but not many. I don't know anyone in one.
I live in SC and the state as a whole is anti-union. One of the reasons why Boeing built a plant here.
There was a whole controversy about them trying to unionize and I don't think they did because the majority of the people didn't want it.
I don't know much about unions, but aren't they mostly blue collar jobs?
Entertainment industry is full of unions to protect against the fucking vultures with money passing as studios
A "company" like the LA county sheriff department with close to 20,000 employees will get a great rate and can cover most if not all of the premiums for their employees. A small school district with 500 employees will get a higher rate and pay more.
Currently I pay about $900/month for our family insurance my my employer pays about $1000. And on top of that we have deductibles and copays every time we see a doctor. It is a total scam. Most families would be better off putting that $23,000 we pay for premiums each year into an account and just paying cash every time they needed treatment for something.
I dont have any statistics to back this up, but I'm guessing 95% of the population would be better off that way. How often do you think you would run up $23,000 in medical bills a year? Not often, especially if price gouging was illegal. The only reason insurance even seems like a good idea is because they price gouge and scare you into thinking a $300 exam would cost you $5000 if you didn't have insurance. It wouldn't most of the time.
Pricing is crazy, out of pocket for something like a CAT scan can range from $200 to $7,000, it is so ridiculous.
Have some x-rays or an MRI done and check out what the starting point fees are.
So, so crazy.