RN hospital health benefits

  1. Hi all, just wondering what kind of health benefits you get from your employer and how much or if you have to pay for them.
    For example do you know what your copays,deductibles, caps are on your health insurance. Is it a national company that can be used anywhere or is it a local company and you pay a penalty if you get hospitalized away from the hospital where you work?
    Do you have eye care, dental??? Pharmacy plan???
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    About lee1

    Joined: Jan '99; Posts: 735; Likes: 216

    14 Comments

  3. by   DaFreak71
    Quote from lee1
    Hi all, just wondering what kind of health benefits you get from your employer and how much or if you have to pay for them.
    For example do you know what your copays,deductibles, caps are on your health insurance. Is it a national company that can be used anywhere or is it a local company and you pay a penalty if you get hospitalized away from the hospital where you work?
    Do you have eye care, dental??? Pharmacy plan???
    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.
  4. by   TazziRN
    $360 per month for family coverage (it would be $0 for just me), medical with $20 copay at covered providers, $60 at non-covered. Annual deductible is $250. Vision is 100% covered if I go to a provider and get glasses within the allowance. Dental is the same. Pharmacy: there is a percentage copay.

    My husband: paid entirely by his company, same copays and deductibles, but the overall coverage is better in terms of what they will pay for. Example: my insurance won't cover fertility treatments, his will.

    The family is covered under both plans so between the two we actually pay very little beyond the annual deducibles.
  5. by   Redlady
    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.
  6. by   TazziRN
    The 80/20 plan is very common, RedLady. For other things where there is an allowance, it can differ. My husband and I have the same vision carrier. His plan is pretty paltry, but mine paid 100% for my son's contacts....exam, fitting, lenses, everything. Came to over $400 because his eyes are so bad.
  7. by   postmortRNhere
    I pay 280.00 Blue cross POS and co pays 20.00 and ER 75.00 ...dental and vision free. We also have 403B and other medical expense account saving plan , and discount to any campus classes UCLA. And supplemental life Insr.as well as disability and accidental life Insr. Overall it is good but we do pay for parking 75.00 or more per month...NOT GOOD.
  8. by   TheCommuter
    I am an LVN who is employed at a nursing home; however, I'll answer this question anyhow.

    I have health insurance through BlueCross/BlueShield at the rate of $65 per pay period for a platinum PPO which covers 90 percent of medical expenses. Doctors' office co-pays are $10 per visit, and the deductible is $250 yearly with a lifetime cap of $2 million. I have a dental HMO through Cigna at the rate of $1.53 per pay period.

    Under the pharmacy plan, WellPoint, generic meds are $10 and brand names are $45. I declined the company's vision plan.
    Last edit by TheCommuter on Aug 22, '06
  9. by   BittyBabyGrower
    Wow....we are $90/month for family, a $25 copay for office visits, $50 for ER visits, we get very, very discounted meds at our hospital pharmacy with our plan (usually $20-50 per script, depends on the med), OTC meds at cost, 30% off Lasik procedures. Our dental is okay 100% for regular cleanings and xrays and flouride treatments, the rest is 80%. Eye is okay if you don't wear glasses. Eye and dental are covered under our monthly fee. Psych care...100% if you go to our hospital. Sometimes, if we go to a certain doc outside of our hospital, they will waive the cost not covered as a professional courtesy.
  10. by   purplemania
    Our health benefits are about average (80/20) with a $250 deductible. What makes it nice is that all labs and hospital visits are FREE. Also mammo's. If I go into the hospital I will pay for the MD's only. Meds are $10-30 each, but the max is $30. Free eyeglasses once a year. Dental is free cleaning and prophy x-rays but the rest is paid at 50%. I believe the overall plan is a good one. I pay about $26 every two weeks for coverage.
  11. by   Euskadi1946
    I hear the US Government has great benefits as do many of the cities, counties and states!!!
  12. by   lee1
    So, are there any RNS here who do NOT pay for health care from their employer hospital??? Should RNs as the frontline caregiver have to pay for healthcare insurance????
  13. by   lee1
    anyone paying penalites for going out of their system, for out of network care???? I understand deductibles, I mean a large copay or penalty???
  14. by   LoriAlabamaRN
    I work at a LTC facility, not a hospital.

    The LPNs and CNAs in my facility pay $420 month for top of the line insurance, $370 for basic. As an RN though I am considered to be in an administrative position, and therefore I get the premium insurance (for me and my family) absolutely free. I pay $15 for prescriptions and $20 for all doctor visits. I also pay 10% of dental bills and have two free eye exams plus $250 in glasses or contacts each per year.

    It's the best insurance I have ever had, and you can't beat the price!!!

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