What does you health insurance cost?

nursemary9, BSN, RN · Oct 30, 2007

Hi

It's just my DH & myself; we have HMO with dental & vision. It costs me less then $1,100/ yr.

We have excellent coverage with this HMO. I have never been turned down for anything. In fact, they payed for my weight reduction surgery, which I hear is rare.

The total bill was for over $35,000. My portion was 200.00

HM2VikingRN, RN · Oct 30, 2007

1200 per month. 1000 for family coverage (paid by my employer but it does in effect come out of my salary) 200 pretax/month.

pickledpepperRN · Oct 30, 2007

Husbands medigap coverage is $215.00 a month.

His Medicare premium is deducted from his Social Security check.

Mine is a little over $800.00 a month. I pay $500.00 employer pays the rest. I could have chosen an HMO with my monthly part of the premium $34.00 a month. The employers part would have been the same.

BUT I don't have to wait weeks for authorization to see a specialist.

It is funny how as soon as I upgraded my insurance I "needed" a mammogram, colonoscopy, and bone marrow density exam that I didn't "need" with the HMO.

gonzo1, ASN, RN · Oct 30, 2007

My portion for me and hubby is about 260 per month. I was recently considering cobra and that would have been 1800 per month. So I quess my employer pays a good portion.

graceomalleyRN, RN · Oct 30, 2007

We pay $144 a month for excellent coverage (no referrals required, no deductibles) for a family of 4. It's Aetna POS II Choice. My husband's employer obviously pays the lionshare of this.

Smackdown · Oct 30, 2007

For medical and dental coverage my employer pays all but 260 dollars a month which get deducted from my paycheck. This is for my husband and I.

Trauma Columnist · Oct 30, 2007

One of my bennies in the practice where I work is completely free BC/BS. I also have Tricare thru hubby (he is retired military) and again no premiums whatsoever. I am very lucky.

Editorial Team / Admin · Oct 30, 2007

I, too, am very fortunate. One of my benefits is no cost for insurance premiums.

My dh pays $23/month for his.

RNmom08 · Oct 30, 2007

Ok, I've been reading what everyone pays for insurance but does your place of employment dictate where you go? For example, the hospital that I'm planning on working for does not do vbac's anymore for liability reasons as well as there are no anesthesiologists available if an emergency comes up (which is total bull because the anesthesiologists have to be available for emergency surgeries anywhere else in the hospital but - whatever they say...)

So, I was talking to my nurse midwife who is employed by the hospital about having another baby (I have had 4 naturals and 1 c/s) and she agreed with me that there is no reason medically why I couldn't have another baby and try vbac but if I try to go to another hospital, the insurance won't pay as much going to another facility.

She told me this because she wanted me to be prepared for when we do plan on going to another facility so I'm not surprised by the insurance coverage. I think this just stinks. I have talked to several of the OB/GYN's and they agree that the pts best interests are not in mind with this rule. However, I am not blind and I do know that liability for not only the hospital but also the ob/gyn's is at stake with vbacs.

What are your thoughts? Has anyone else experienced this with insurance and their facility?

Jolie, BSN · Oct 31, 2007

Ok, I've been reading what everyone pays for insurance but does your place of employment dictate where you go? For example, the hospital that I'm planning on working for does not do vbac's anymore for liability reasons as well as there are no anesthesiologists available if an emergency comes up (which is total bull because the anesthesiologists have to be available for emergency surgeries anywhere else in the hospital but - whatever they say...)
So, I was talking to my nurse midwife who is employed by the hospital about having another baby (I have had 4 naturals and 1 c/s) and she agreed with me that there is no reason medically why I couldn't have another baby and try vbac but if I try to go to another hospital, the insurance won't pay as much going to another facility.
She told me this because she wanted me to be prepared for when we do plan on going to another facility so I'm not surprised by the insurance coverage. I think this just stinks. I have talked to several of the OB/GYN's and they agree that the pts best interests are not in mind with this rule. However, I am not blind and I do know that liability for not only the hospital but also the ob/gyn's is at stake with vbacs.
What are your thoughts? Has anyone else experienced this with insurance and their facility?

My current insurance is thru my hubby's employer, but in the past I have worked for hospitals where the insurance coverage was more comprehensive (and out-of-pocket costs significantly less) if services were obtained at the hospital where where I was employed. However, there was always an "escape clause". No hospital provides every service, so if the physician (or midwife) was willing to contact HR and the insurance carrier in advance of an elective admission, arrangements could be made for higher-level coverage at alternative hospitals. I would suggest that you check this out in advance of becoming pregnant to see if your employer offers a similar option. If not, it may still be possible to plead your case by having your midwife write an appeal stating the anticipated cost savings of a VBAC versus a C-section.

Best of luck to you!

allnurses Guide · Oct 31, 2007

We are doing COBRA since I'm between jobs and my dh is self-employed. We pay $1200 a month for me, dh and two of our kids.

steph