What does you health insurance cost?

Published

Mine is 12,500 per year. I pay half and my employer pays half. This is for a family of 4 (2 adults and 2 children) and includes dental and vision.

Up Vote Up Vote ×
Specializes in Psych, Med/Surg, Home Health, Oncology.

Hi

It's just my DH & myself; we have HMO with dental & vision. It costs me less then $1,100/ yr.

We have excellent coverage with this HMO. I have never been turned down for anything. In fact, they payed for my weight reduction surgery, which I hear is rare.

The total bill was for over $35,000. My portion was 200.00

Up Vote Up Vote ×

1200 per month. 1000 for family coverage (paid by my employer but it does in effect come out of my salary) 200 pretax/month.

Up Vote Up Vote ×

Husbands medigap coverage is $215.00 a month.

His Medicare premium is deducted from his Social Security check.

Mine is a little over $800.00 a month. I pay $500.00 employer pays the rest. I could have chosen an HMO with my monthly part of the premium $34.00 a month. The employers part would have been the same.

BUT I don't have to wait weeks for authorization to see a specialist.

It is funny how as soon as I upgraded my insurance I "needed" a mammogram, colonoscopy, and bone marrow density exam that I didn't "need" with the HMO.

Up Vote Up Vote ×
Specializes in ED, ICU, PSYCH, PP, CEN.

My portion for me and hubby is about 260 per month. I was recently considering cobra and that would have been 1800 per month. So I quess my employer pays a good portion.

Up Vote Up Vote ×
Specializes in Triage, MedSurg, MomBaby, Peds, HH.

We pay $144 a month for excellent coverage (no referrals required, no deductibles) for a family of 4. It's Aetna POS II Choice. My husband's employer obviously pays the lionshare of this.

Up Vote Up Vote ×
Specializes in ER, ICU, Med-Surg.

For medical and dental coverage my employer pays all but 260 dollars a month which get deducted from my paycheck. This is for my husband and I.

Up Vote Up Vote ×
Specializes in Nephrology, Cardiology, ER, ICU.

One of my bennies in the practice where I work is completely free BC/BS. I also have Tricare thru hubby (he is retired military) and again no premiums whatsoever. I am very lucky.

Up Vote Up Vote ×
Specializes in Education, FP, LNC, Forensics, ED, OB.

I, too, am very fortunate. One of my benefits is no cost for insurance premiums.

My dh pays $23/month for his.

Up Vote Up Vote ×

Ok, I've been reading what everyone pays for insurance but does your place of employment dictate where you go? For example, the hospital that I'm planning on working for does not do vbac's anymore for liability reasons as well as there are no anesthesiologists available if an emergency comes up (which is total bull because the anesthesiologists have to be available for emergency surgeries anywhere else in the hospital but - whatever they say...)

So, I was talking to my nurse midwife who is employed by the hospital about having another baby (I have had 4 naturals and 1 c/s) and she agreed with me that there is no reason medically why I couldn't have another baby and try vbac but if I try to go to another hospital, the insurance won't pay as much going to another facility.

She told me this because she wanted me to be prepared for when we do plan on going to another facility so I'm not surprised by the insurance coverage. I think this just stinks. I have talked to several of the OB/GYN's and they agree that the pts best interests are not in mind with this rule. However, I am not blind and I do know that liability for not only the hospital but also the ob/gyn's is at stake with vbacs.

What are your thoughts? Has anyone else experienced this with insurance and their facility?

Up Vote Up Vote ×
Specializes in Maternal - Child Health.
Ok, I've been reading what everyone pays for insurance but does your place of employment dictate where you go? For example, the hospital that I'm planning on working for does not do vbac's anymore for liability reasons as well as there are no anesthesiologists available if an emergency comes up (which is total bull because the anesthesiologists have to be available for emergency surgeries anywhere else in the hospital but - whatever they say...)

So, I was talking to my nurse midwife who is employed by the hospital about having another baby (I have had 4 naturals and 1 c/s) and she agreed with me that there is no reason medically why I couldn't have another baby and try vbac but if I try to go to another hospital, the insurance won't pay as much going to another facility.

She told me this because she wanted me to be prepared for when we do plan on going to another facility so I'm not surprised by the insurance coverage. I think this just stinks. I have talked to several of the OB/GYN's and they agree that the pts best interests are not in mind with this rule. However, I am not blind and I do know that liability for not only the hospital but also the ob/gyn's is at stake with vbacs.

What are your thoughts? Has anyone else experienced this with insurance and their facility?

My current insurance is thru my hubby's employer, but in the past I have worked for hospitals where the insurance coverage was more comprehensive (and out-of-pocket costs significantly less) if services were obtained at the hospital where where I was employed. However, there was always an "escape clause". No hospital provides every service, so if the physician (or midwife) was willing to contact HR and the insurance carrier in advance of an elective admission, arrangements could be made for higher-level coverage at alternative hospitals. I would suggest that you check this out in advance of becoming pregnant to see if your employer offers a similar option. If not, it may still be possible to plead your case by having your midwife write an appeal stating the anticipated cost savings of a VBAC versus a C-section.

Best of luck to you!

Up Vote Up Vote ×

We are doing COBRA since I'm between jobs and my dh is self-employed. We pay $1200 a month for me, dh and two of our kids.

steph

Up Vote Up Vote ×
+ Join the Discussion