What do your benefits cost?

[pennyg1]

I'm hoping to get a benefited position at my current job. When the benefits department emailed the details I was shocked. Pre-tax, out-of-pocket is almost $750/month for the PPO plan with dental and vision. This is for myself, husband and 2 children.

This is almost 2xs what my husbands plan cost right now and his plan is a better, more flexible one. Our local hospital plan is almost 2 1/2 xs cheaper for a better plan. Yikes. Just curious to hear what others are paying.

[LilRedRN1973]

I have a colleague who works for a small outpatient surgical center and she gets a check of approx. $400/month just for refusing that company's insurance (her husband is employed by the county and they are all on his insurance). Not sure what it would cost her if she went through her employer to be insured. I know if I were working at my previous job, it would be around $500/month for my family (and that was a hospital!!) Now I work at an outpatient clinic run by the state and have great benefits. I don't understand why the hospital insurance was so ridiculously expensive.....

[TheCommuter, BSN, RN]

My current workplace charges $240 monthly for medical insurance for the entire family, but it is not through a reputable company. It is through a small mom-and-pops company.

A previous workplace was charging $960 monthly for health insurance for the entire family, with a $1,500 deductible that had to be met before any expenses would be paid.

[86toronado, BSN, RN]

I pay $40 a month for medical, $15 for dental, and about another $20/month for $100,000 life insurance policy for myself, and AFLAC for myself and my husband. I consider myself to be very lucky to have what I have, as I went for two years without insurance while I was in school, and know how scary it can be.

[NeoPediRN]

$289/month for Harvard Pilgrim HMO individual plan, and that's after an employer contribution...

$40.80/month for dental

No vision benefits

My benefits are bad and the pay is even worse, but the job is worth it. I work per diem elsewhere to be able to afford to work there.

[Anne36, LPN]

My husband just got us on the plan available thru his work and its $800/mo. We really cant afford it, but have no choice. I am just a student right now and we did shop around for private , it was not much different pricewise. It all depends on what you want for deductibles. I think 760 was the cheapest we found that was comparable to the 800/mo plan.

[Sand_Dollar, BSN]

My husband has vision, dental and family medical (6 of us) with a large insurance company through his work. It costs about $1430 per month of which we have to pay out of pocket, about $317. We pay extra for insurance and disability coverage.

Our plan is a MedPPO Choice Plus and (we think) is a very good plan. We had an incident this summer where my husband needed blood thinners. At $100.00 a syringe and using 22 of them, it only cost us out of pocket $60.00! I can't imagine what we would have done without it.

We have a $400 deductible ($800 for family) in network and $3000 out of it but I haven't found a Dr yet who isn't in the large network.

[tfleuter, BSN, RN]

Our insurance is through my husband's work and comes to about $500 per month for a family of 4. This includes medical, dental, vision and life.

[learninmama]

We recently lost our insurance due to my husband being laid off but we were paying $900 a month to cover the 4 of us. It was a pretty good plan though inpatient hospital stays/surgery $750 flat fee & out patient surgery etc was $300 flat fee. We ended up using it quit a bit over the last year so it was really worth it. The year prior we had no insurance & spent an arm/leg on surgeries out of pocket.

[MERRYWIDOW46]

I had private insurance just for myself, medical with prescription, $1000 deductable and $500 for prescription deductable and paid $415 a month.

Just started a new job I work 24 hours a week and I have High Option MEDICAL with NO deductable and $10 copay; DENTAL with $25 deductable 100% preventive coverage and 80% basic services,and 60% major services after deductable;VISION NO deductable and either contact or select glasses every 12 months; $100K extra life insurance; $100k accidental death & dismemberment; Long Tern Disablility; and pay $258.78 a month. I also have an employer paid pension, voluntary 403B, flexible spending account. I get discounts on all pharmacy and vision center services on campus. 7 Holidays, and 22 days PTO, self scheduling.

Family Medical, prescription, dental FT is $325.56 a month, PT is $620.22.

[imaRN08]

my husband and I have separate coverage thru our jobs right now bc its cheaper this way. he used to carry the insurance until he got laid off and lost AWESOME coverage (FREE insurance with very very low office and hospital copays with NO deducatbles... whatever you had done, no questions asked and no bills ever came in the mail included health, vision, dental and hearing) i pay $45 q 2wks for health vision and dental. health is 80/20 coverage with a $500 individual deduct, $3500 9(i think) if we have a proceedure of any kind done at our hospital, the hospital cuts %50 off the final bill after the insurance payment and then bills us for the remainder. office visit is $20, preventative services are free after office visit if it applies. our drug co pay is $25/$15 i think. some of the costs have changed slightly since today. we get 1x our yearly salary for life insurance free of cost. dental is 80/20 coverage too. used to be 100% coverage except for major dental proceedures. The health insurance is OK, unless you have chronic conditions like I do and things add up quickly.

needless to say, my husband needs to get his old job back! just waiting for that phone to ring one of these days!! :)