How Much do you pay for health care coverage

[cactusflinthead 27601]

800 a month for Aetna silver. Me +family 

5000 individual Deductible, 10k for the family 

If it was just me it would be 125. Me and kid(s) 400. Add the wife? Double it.

Undefeated. 

Dental 45 a month

Vision 10 bucks.

I was paying 960 at the last gig and that was just me and the kids. One of the biggest reasons I was ready to change jobs. 

 

 

[F250 28808]

$202 a month for me, wife and kids.

UHC PPO 1200/1600 deductible.

[F250 28808]

I assume everyone with $1K and above per month plans are 1099 people. Is this the case?

 

[Nice Guy Eddie 13516]

I heard a statement recently that every large employer self insures for employee healthcare. Yes of course they utilize a healthcare network like Cigna or BCBS and those health “insurance” companies process the paperwork and fund transfers but in reality the employer bears all the risk.  Is that true?

[TwiceHorn 31516]

On 4/30/2020 at 8:32 PM, F250 said:

I assume everyone with $1K and above per month plans are 1099 people. Is this the case?

 

1099 people have no legit option other than ACA plans.  There are some "short-term" 364 day policies that escaped the strictures of ACA and also exposed to the tax penalty.  For a couple or family that's above the poverty line, I don't think there are any ACA plans under $1000.  Maybe if you're very young or in a state other than Texas.

One thing I am curious about:  one of the benefits of ACA plans is that there is a lifetime maximum (while you remain covered by any ACA plan, I assume) of a certain amount.  Is there any such thing with employer-sponsored plans?

[CooterBrown 18022]

I heard a statement recently that every large employer self insures for employee healthcare. Yes of course they utilize a healthcare network like Cigna or BCBS and those health “insurance” companies process the paperwork and fund transfers but in reality the employer bears all the risk.  Is that true?

My company has 3500-4000 employees and self insures. Uses UHC for the front end. IIRC, they pay around $30M a year in health claims.

Now that I think about it, on my total income and benefits statement it says the company contributes $X a month for my health insurance premium.

Maybe they have an insurance bucket set aside that they feed and they pay claims out of that?

[Tom 2959]

On 4/30/2020 at 7:43 PM, gmr548 said:

My current job has, by far, the best healthcare benefit I have ever encountered. No premium, no deductible, OOP max is like $2,500. Cigna so finding in network is easy. I was a contractor beforehand and went for a bare bones ACA plan at like $200/month, which I straight up never used. I am lucky that I am single because it shoots up real fast to add a spouse or kid. I think it is well north of $500/mo for family.

Of course I am young and don't have any chronic health conditions. I am pretty sure the day I leave this job I will get hit by a bus or diagnosed with cancer or something.

I think we have the same plan, or a very similar plan, but my premium is covered.

 

This was apparently my company's plan until about 5 years ago, from what I hear. No premiums, no deductibles, etc. 

We still have a good plan, but it's about $130 a month for medical, dental, and vision, a $250 deductible,  I think it's something like a $30 copay.  Can't remember what percentage of dental work it covers.  It's also Cigna.

Because it was all paid for until a few years back, people where I work are spoiled and complain about the costs.  It's still a hell of a lot more affordable than nearly anywhere else I've worked.

[Bill Brasky 1450]

125 a month 

[Brew 3049]

On 4/30/2020 at 8:32 PM, F250 said:

I assume everyone with $1K and above per month plans are 1099 people. Is this the case?

 

K-1, pay roughly $1900 a month for family coverage. We offer our employees single coverage for about $150 per month to them, our cost is $625 on top of that. Family is another $1100 or so. We are in a group captive so more like self funded than fully insured. Captive performance has sucked the last two years resulting in shit premiums.

[TwiceHorn 31516]

For a country that likes to talk up small businesses, we sure put the tongs to em.

[BevoSwag 272]

Once a month

$480 Supplemental Medical

$289 Medicare

$155 Part D

$924/month for wife and I

[Murfdogg21 4419]

My old shitbag company claimed to pay 50% of the premiums, but it was the shittiest plans you could imagine and was about $300/paycheck just to cover me. I suspect they weren’t actually paying anything. Current company would be $150/paycheck for me and decent BCBS coverage. My wife’s Fortune 500 employer pays all of hers, and she pays about $120/paycheck to add me and the kids to her coverage for very good United Healthcare insurance (medical and dental).

[JMFP 1120]

For me, wife, and kids:

 

$0 Premiums

$35 copay for office visits, $100 for ER

$600 deductible per person, $1200 max per family  (out of network is $1200/$2400)

$0 for generic drugs, 33% of actual cost on namebrand

No annual or lifetime limits on coverage.

 

Last I heard this coverage costs my company about $2200/mo, per family... (I think that was for 2019 though)

[Neonmoon 38130]

Seems like if you have employer insurance , people are paying 50-300 a month

self-employed, it’s 800-1200 a month?

[RayDog 682]

About $60 a year not counting viagra. Doctors visit are $10 cash and prescriptions run from $2 to $10. Counting Viagra $300, about $1 a dose.

[MonkeyDoughnut 10337]

5 minutes ago, Neonmoon said:

Seems like if you have employer insurance , people are paying 50-300 a month

self-employed, it’s 800-1200 a month?

Could be wrong but think it's more bigger companies or governemnt and then everyone else.

I've only worked for small companies and myself and always have fallen in the latter.

[Dutch 4474]

I pay $236/every two weeks for medical with a $1000 deductible (responsible for 10% after the deductible is met, $30 primary MD visits, one free yearly physical w/ labs, $50 specialists, $50 “urgent care,” and ER visits are a $150 copay then 10%) for my family. Annual out-of-pocket maximums are $6800 per individual or $13000 family. That’s also the “low RX” option, meaning my prescription meds are a bit more (high is $20/paycheck more), but none of us are on any daily meds, so it’s cheaper over the course of the year even when we get sick and need some. Dental is $36, vision $6 for just me. 

My wife’s employer-sponsored benefits are quite a bit more expensive, so it’s cheaper to for her to be on my insurance.

Edited May 4, 2020 by Dutch