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Just wondering how much fellow nurses pay per month in health insurance. Thanks!
I pay $784 monthly. I'm self-employed, just graduated nursing school in December. It's great coverage though. $1500 deductible that only applies to labs/x-rays, no referrals needed for anything. Prescriptions are $10. $4k max out of pocket for the year. While I'm looking forward to having an employee-sponsored plan, I doubt my coverage will be as good. It's a COBRA-turned -HIPPA guaranteed issue plan. Nothing on the exchange was remotely comparable.
I'm self-employed but here in MA we've all been required to have health insurance for a lot longer than the ACA has been around. I cover just myself. I have always shopped for coverage with my independent insurance broker every year, getting decent rates as a member of the state small business association. After the ACA came in have been able to steadily decrease my costs from around $750/month with a $5000 annual copay/deductible to about $475 with $7500 (fortunately also fairly healthy). Now although I'm still working I am totally enjoying Medicare at $118/month plus a supplemental policy that COMPLETELY ELIMINATES ALL COPAYS AND DEDUCTIBLES (that IS worth shouting about) that runs about $200/month.
Sweet husband is on straight Medicare for $106/month out of his social Security with no supplemental policy, so we pay the approximately half of his costs that Mcare doesn't cover. Fortunately he's healthy, so not too much.
NurseEmmy
271 Posts
Nearly $500/month for health and dental for family (No vision option). This is an employer plan so they also cover part of the tab. My deduct. are around $3,000 per person or $12,000 for family. $15 copay for acute visits with PCP - $45 if seen by a specialist. Copays for walk in clinics, ER, xrays, etc.