Quote from lostdruid
We pay $260.00 per month for our "top of the line" policy from the hospital where my husband works. If we go to certain clinics (that are associated with the hospital) we pay $15.00 per visit. In addition, we each have a $200.00 deductible. I do not know of any caps on the benefits. Insurance covers 80% if we use our own hospital or providers and it covers 50% if we use the other guys.
We pay anywhere from $5.00-$20.00 for a generic presciption and the most we have to pay for name brands is around $40.00.
With eye care, we get $150.00 every two years I think.
With dental, it covers 80% for cleanings, x-rays, routine stuff and goes downhill from there. I recently had oral surgery and I believe it was covered at the 80% (until I get the bill, lol).
Psych benefits are paltry at best.
I remember back in 1995 when my first husband worked for a bank we didn't have deductibles, only co-pays. Doctors visits were $10.00 and prescriptions were from $5.00-$15.00.
WOW!!!:uhoh21: Are you serious??? I'm anxious to hear from others to see if this is the norm.
I am a nursing student, but been in the workforce (non-hospital) for many years. Perhaps it's just the industries I've worked in, but my benifits have always been around the same. Currently:
I pay $40/month for single coverage (it's $120 for family coverage - no limit to the number of people).
I pay $10 co-pay for any in-plan doctor I go to. I have yet to find a doctor who does not take my plan. Hospital (er) visits are $50. No deductable.
Drugs are about the same - $15 co-pay for generic around $40 or so usually for brand name.
Psych benifits are 100% covered for consulations/visits/doc. appts. Forever. No limit. You need to go to one of their providers, but again - I have yet to see someone who wasn't in their plan. You do not need to go to a psychiatrist, you can go to a psycologist and get the same benifits.
My dental is 100% for routine/preventative care (cleanings, etc.) and 80% for any repair work (fillings, crowns, etc.) I pay $4.00 (yes - four dollars) a month for dental.
My vision is free and they'll pay $150 every two years for glasses or contacts, and will pay 100% every year for an exam.