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Health Insurance... What Do You Have?

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Health Insurance... What Do You Have?

Old 10-28-2013, 06:56 AM
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Default Health Insurance... What Do You Have?

This topic doesn't have to be political, and I'm hoping for some insight here. I'm about to lose mine and am in the market. Not an enviable position for a guy in his 50's, and the COBRA option is going to run about $900 per month.

Gonna have to check and see what my current meds will cost out out of pocket and shop accordingly. Could be I'll just have to settle for a plan with a large deductible for catastrophic scenarios and hope for the best.

What say ye?
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Old 10-28-2013, 07:04 AM
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My wife and I (I'm 51 she is 46) pay $600 a month for a policy with a $10,000 deductible. That's nuts - neither of us ever go to the doctor...
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Old 10-28-2013, 07:07 AM
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$337.20 a month for family covereage (doc/Rx/dental). $15 co-pays. No deductible.
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Old 10-28-2013, 07:10 AM
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Originally Posted by Because Boat View Post
$337.20 a month for family covereage (doc/Rx/dental). $15 co-pays. No deductible.
Not to bad
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Old 10-28-2013, 07:15 AM
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$780 / year, $10 co-pay, $50 ER co-pay, $2500 max out-of-pocket.
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Old 10-28-2013, 07:20 AM
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I have..........oh, wait, I just got canceled. No problem, whatever I get to replace it will save me $2,500 a year..............say what, it's going to cost me $2,500 more per year! I'm just going to call my doctor to see what he thinks...............What? He isn't taking "that" insurance anymore!! Well, let me just get on the website and see what I can get...............What's up, I can't get on the site!!! I know what to do. I'm going to call my Congressman.....................nope, he's out to lunch (he's just hiding because he won't take any more calls about healthcare!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I'm sorry, I just can't resist poking at this debacle. I'll remain apolitical. They should all be thrown out.
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Old 10-28-2013, 07:23 AM
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Originally Posted by Qb1rdman View Post
$780 / year, $10 co-pay, $50 ER co-pay, $2500 max out-of-pocket.
You gotta be kidding! What's covered for $780/year? A bandaid over that last puncture from an errant hook?
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Old 10-28-2013, 07:25 AM
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Originally Posted by Because Boat View Post
$337.20 a month for family covereage (doc/Rx/dental). $15 co-pays. No deductible.
??? That's unbelievably cheap. My coverage for similar was $1700/mo, now just under $900. Details?
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Old 10-28-2013, 07:30 AM
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Originally Posted by Freeebird View Post
This topic doesn't have to be political, and I'm hoping for some insight here. I'm about to lose mine and am in the market. Not an enviable position for a guy in his 50's, and the COBRA option is going to run about $900 per month.

Gonna have to check and see what my current meds will cost out out of pocket and shop accordingly. Could be I'll just have to settle for a plan with a large deductible for catastrophic scenarios and hope for the best.

What say ye?
Can't get junk (catastrophic) insurance anymore.

Get a quote from local "navigator" or broker. I think the highest plan is about $450/mo before subsidies, and covers everything except dental. Your total out of pocket will be less that $1000 mo including deductibles and copays.

In ny we went with empire silver - code cbnw. Under $900 for family of three.
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Old 10-28-2013, 07:31 AM
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Prior to any forthcoming changes: $ 672.64/month for family of 4 with $ 5000.00 ded.
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Old 10-28-2013, 07:35 AM
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We my wife and I have a policy about $600 a month with a $5,600 deductible.

We have an HSA which is a great savings vehicle. The maximum contribution a family can make this year is $6,550. Not only is it a pre-tax contribution, it's also tax-free when used for medical expenses AND at age 65 it can be used for non-medical expenses. It can also be used to pay premiums if necessary.
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Old 10-28-2013, 07:36 AM
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$64 per month family plan, includes Dental with an extra $1000 per year to spend on extra cleanings, or elective such as whitening. prescription drug, $10 generic $30 non generic, eye glasses, $100 out of pocket with free exams. No deductible, employer pays the first $2000 per family member deductible any after that the insurance picks up. No emergency room co-pay. They treat the employees like gold here, Thats why I never ask for a raise.
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Old 10-28-2013, 07:37 AM
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Wow mike, that's worth $10k right there...
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Old 10-28-2013, 07:40 AM
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Thanks for the replies, but I was hoping for specifics as in names of the providers. I realize things will vary by state, or at least I assume they will. Coverage will be just for me. I talked to my State Farm agent just to get his take as they don't offer health insurance. His advice was to apply with several companies on the same day as I'm likely to be turned down by at least one. That puts you into a whole new category when you have to answer, yes, to the question of have you ever been turned down.
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Old 10-28-2013, 07:41 AM
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Originally Posted by Because Boat View Post
$337.20 a month for family covereage (doc/Rx/dental). $15 co-pays. No deductible.
That sounds great! Who is that through? You're probably 19 years old.
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Old 10-28-2013, 07:43 AM
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Originally Posted by Freeebird View Post
Thanks for the replies, but I was hoping for specifics as in names of the providers. I realize things will vary by state, or at least I assume they will. Coverage will be just for me. I talked to my State Farm agent just to get his take as they don't offer health insurance. His advice was to apply with several companies on the same day as I'm likely to be turned down by at least one. That puts you into a whole new category when you have to answer, yes, to the question of have you ever been turned down.
That's interesting. My son has a catastrophic health plan through his State Farm agent. Must be a state by state thing.
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Old 10-28-2013, 07:44 AM
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Originally Posted by mikeloew View Post
$64 per month family plan, includes Dental with an extra $1000 per year to spend on extra cleanings, or elective such as whitening. prescription drug, $10 generic $30 non generic, eye glasses, $100 out of pocket with free exams. No deductible, employer pays the first $2000 per family member deductible any after that the insurance picks up. No emergency room co-pay. They treat the employees like gold here, Thats why I never ask for a raise.
That sounds great, but nobody is going to be helping me out with this.
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Old 10-28-2013, 07:48 AM
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Originally Posted by DandH View Post
That's interesting. My son has a catastrophic health plan through his State Farm agent. Must be a state by state thing.
I guess so. I carried a catastrophic policy with State Farm before I got married. The marriage turned out to be what was catastrophic, so here I am.
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Old 10-28-2013, 07:55 AM
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Originally Posted by phillyg View Post
You gotta be kidding! What's covered for $780/year? A bandaid over that last puncture from an errant hook?
Originally Posted by Montauk Rocket View Post
??? That's unbelievably cheap. My coverage for similar was $1700/mo, now just under $900. Details?
My math was wrong. It's actually around $1560 for the year.

The wife is a state employee and her contribution is $60.00 every pay period. I'm perhaps the most hated person at my office when it comes to health insurance A.) because we pay so little (everyone at my work is between 800 and 1200 a month) and B.) I use my companies FSA to get reimbursement for the wife's measly $60/check contribution.

FWIW I'm the most anti government / anti union person you'll meet but yet...I'm sucking on the teat.
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Old 10-28-2013, 08:03 AM
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Originally Posted by DandH View Post
We my wife and I have a policy about $600 a month with a $5,600 deductible.

We have an HSA which is a great savings vehicle. The maximum contribution a family can make this year is $6,550. Not only is it a pre-tax contribution, it's also tax-free when used for medical expenses AND at age 65 it can be used for non-medical expenses. It can also be used to pay premiums if necessary.
This is the way to go if your healthy.
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