Is your health insurance affordable?

[Jmiami]

What benefits do you have available at your facility? Do your benefits include a health insurance option? Is this coverage affordable to you? I have a friend who works as an LPN who claims that she is eligible to receive health insurance benefits, however the premiums under her employers benefit plan are not affordable for her. Is this common in nursing? I would think that having health insurance is extremely important considering the things one comes into contact with on a daily basis. Don't get me wrong, I'm not sniffing around at what the best benefits are going to be (once I graduate, finally being in a career that is rewarding to me will be enough to keep me happy). I just want to put this issue to rest and prepare myself for obtaining a private health insurance plan if need be (if some employers may not offer it).

[belgarion]

Mine absolutely sucks rocks. About $550/mo for myself and our teenage daughter. A $3000 deductible applies to all non-routine care like hospitalizations, MRIs, ultrsounds, etc. If my wife didn't have Medicare my coverage would run about $900/month.

[Not_A_Hat_Person, RN]

I pay $700/month for 2 adults, with a $1500 deductible per person. It's the second-cheapest plan my job offers. The catastrophic plan was $60 month cheaper.

Throughout my nursing career, I've held the insurance for myself and my husband. I've had cheaper, worse insurance (CIGNA). Oddly enough, the Nursing Home from Hell offered very good, reasonably priced insurance.