Health Insurance costs

Julesmama28 · Nov 8, 2015

210 a month for ppo family plan. It's decent

RN BSN

Home Health Columnist / Guide · Nov 8, 2015

Hi...I moved your thread to Nursing Activism / Healthcare Politics

My health system bases health insurance cost on salary: less if 31.50.

My salary on high side after 25+yrs with system, i paid $225 biweekly for IBC Blue Cross PPO plan with 90% coverage if using own health system ( no maternity/gyn/pediatrics/DME in our 4 hospitals).

Pays 80% when using in-network services; 50-70% when OON provider/facility used.

They did away with HMO coverage in 2015 so many staff upset over higher cost; however their deductible much lower as trade off.

Jolie, BSN · Nov 8, 2015

Our current premium for a family of 4 is $950. This is an Obamacare-compliant plan that we purchase as a self-employed family. Our current deductible is $5500, with an OOP family max of $25,400. The closest plan available for next year will have premiums of $1100 per month, with a deductible of $5850 and an OOP max of $25,800.

We chose this plan because it was the best option for keeping our premiums down, even though we knew that we were going to have to accept a very narrow network of providers. The numbers above reflect the year to year change in cost of that plan.

We will be forced to change to a more expensive plan next year as we will have a child attending college out of state, who would not be eligible for network coverage under this plan.

To purchase a plan that will allow in-network coverage for my college age child, our premiums will increase to $1450/month, with similar deductibles and OOP maximums.

As a side note, prior to the passage of Obamacare, we paid less than $600 per month for customized family coverage that included dental and vision, with deductibles and OOP maxes that were a fraction of what we have now.

Mia415 · Nov 8, 2015

I pay $120/month for Kaiser (HMO). Almost everything is covered with a $10 copay. I'm very satisfied. But this is just for one person - me. I'm in Northern California.

OldGrayNurse · Nov 11, 2015

My employer offers a UHC plan that meets minimum ACA requirements only. It is crap. It did not used to be crap. Before the ACA, I paid roughly 600.00 monthly for an Employee/Family plan that was a 500.00 deductible, 20$ copay, 80/20 plan. It was widely accepted and I could use whatever provider I wanted. Here's my new plan since the ACA: Employee/spouse coverage (my children have since grown up and gotten jobs and carry their own policies) is roughly 700.00 monthly for a fake health coverage plan that is actually only a catastrophic plan. This means, until I meet a 6250$ deductible for EACH of us my insurance pays diddly squat. Zero for meds, zero for visits. After I meet the deductible, it pays 100%. Basically, at 700 monthly and a 6250$ deductible X2, I could very well shell out roughly 20,000$ before my insurance pays for anything. If I go out into the marketplace, since my state opted out of Medicaid expansion, (no opinion of that one way or the other) I have to sign up on the federal exchange. Cheapest plan I could get costs me around 400.00$ monthly for 50.00$ GP copays, 75.00$ specialist copays, and 70/30 major medical. That's just ME, understand. The one with NO health problems who only visits the doc yearly. My husband, who has stage four cancer, has Medicare, as he is permanently disabled. He could really benefit from a supplemental plan, as his current medication regimen alone is close to 30,000$. However, in my state, there is no requirement to offer supplemental policies to Medicare recipients under the age of 65, and so there are no carriers that will. And since Medicare is a federal program, he does not qualify for insurance under the ACA, as he cannot have two federal insurance programs. Also.....wait for it.....although he cannot obtain any insurance coverage under the ACA, I am required to include his SSI disability income in MY annual income in order for ME to obtain health insurance, of which I do NOT qualify for a subsidy if I include his income. Yeah, I'm really stoked about healthcare reform. Can you tell?

martymoose, BSN, RN · Nov 12, 2015

wow, that stinks JulesAtkinson Im so sorry

Anne36, LPN · Nov 13, 2015

The cheapest family plan where I work is $660 a month. (that is 25% of my take home per month) The deductible is $3000 , 80/20 PPO, $40-60 co pay for office visits. I cant afford it right now so I am without insurance. I am probably going to shop in the marketplace.

Jolie, BSN · Nov 15, 2015

The cheapest family plan where I work is $660 a month. (that is 25% of my take home per month) The deductible is $3000 , 80/20 PPO, $40-60 co pay for office visits. I cant afford it right now so I am without insurance. I am probably going to shop in the marketplace.

I sincerely hope you can find something useful. But if you have access to an employer plan that you do not accept, I don't believe you are eligible for a subsidy.

toomuchbaloney · Nov 17, 2015

Hey, we have to pay high rates in order for insurance companies to afford the multiple million dollar compensation packages that their executives receive.

Health Insurance Mergers Make Executives Richer, Policyholders PoorerÃ‚Â |Ã‚Â Wendell Potter

Not_A_Hat_Person, RN · Nov 17, 2015

My old employer had very expensive insurance. Before ACA, I paid $800 per month to cover 2 people, and adding the kids would have cost $250 more. Thanks to ACA, my kids are on Medicaid for $60 per month. My husband finally qualified for insurance through his job last December 30th, so we're on his plan. I think he pays about $400 per month for 2 adults.

TheCommuter, BSN, RN · Nov 17, 2015

Prior to the ACA I was uninsured and paying cash out of pocket for my medical and dental expenses.

I now pay $130.00 per month for a PPO through BC/BS with 90/10 coverage after the $500 deductible has been met. This is for a single person.