Where do you get your health insurance from? And for how much?

flyingsaucer

I cover the family with health insurance because DH is a small business owner. My job sucks and I pay about $1200 per month for a medical plan with high co pays and not so great coverage. Is this normal? What is your health insurance situation like?

CinemaGoddess

We're through DH's work.  It costs us about $100/mo for all four of us.  

Helenahhandbasket

WOW-- That's a lot of money.

Right now, my health care for myself and DD is 100% covered (I have United), but in January we are going to have to start kicking in.  My company will be paying 87% of the bill and I will have to kick in the rest.  The monthly cost is going to be 140.00 (or 1660 annually).  Our co- pay is 35.00.

DH is on his own insurance that is paid for by his company as well (he works for the city).

MintBerryCrunch

Our family plan is $200/month through my employer. Before my hospital was bought out and profitized I paid the same for much better coverage through United, but even still it's pretty good. It's through BCBS. Low deductible 80/20 but only $3000 oop. Most things are covered without having to meet our deductible though, assuming we stay in network (my employer).

theimpossibleastronaut

My HI is covered through my employer. But we got DD'S insurance through DH's work because covering her through that was cheaper.

Eleventy11

My husband and I are both teachers and our plan through BCBS is $1300+ a month. My district pays the minimum, but his pays a little more. We pay over $800 a month between the two of us. It is a total rip-off.

Pips09

Through work. It's a few hundred a month for family coverage.

[Deleted User]

Anthem through Trader Joe's.  About $200/month for the three of us.  We pay nothing OOP except for copays.  My prenatal care and delivery was $0.

CurlyQ284

Aetna through DHs work. $280 per month for the family plan. Deductible is $3000 and 85% coinsurance.

Spapeggy

How do y'all live paying that much. That's insane. Dh has free through va and the kids qualify for state care. But once dh job has open enrollment I'll get a family plan at around 2-250 a month. I have no insurance as I lost mine in august

CurlyQ284

kgopel said:

I cover the family with health insurance because DH is a small business owner. My job sucks and I pay about $1200 per month for a medical plan with high co pays and not so great coverage. Is this normal? What is your health insurance situation like?

I took a look at the obamacare plans just to see and you might pay less on an obamacare plan depending on your state. We have to have a multi state plan because SDs live in another state and those plans were about $1000. I would at least look into it.

jennygirlmt

We have Aetna, fully paid by DH's work. We have no deductible, $10 copay for sick visits, $0 for well, $20 for specialist. We are pretty lucky, especially since DD2 has had quite a few sick appointments with specialists this year.

RayRay007

See once upon a time there was a man named Tommy Douglas and now I get health care for free. J/k. Sorta. I get extended health and dental through my work's group plan and I think it's about 200$ a month for pretty much 100 percent coverage for my whole family which my employer pays.

robyn2201

About $200 per month. This is through my work and we have BC. It's an 80/20 plan with $1500.00 individual deductibles. I can't remember what the family deductible is. My company pays $1000 per year towards a health fund, which can be used towards our deductibles. 

chardonnay24

H has insurance through his employer. We pay $181/month for a plan with a $1000 deductible, $25 office visit copays, and $3000 OOP max. A and I have a separate plan, $500 deductible, $20 office visit copays, and $1250 OOP max. We pay about $756/month for that. That price will be going up in 2014, though. :-( I'm hoping H's employer will start offering a family plan next year, but we haven't received open enrollment information yet.

plutoisaplanet

We get our insurance through my job (I teach) and it costs us nothing out of pocket.  $0 copay for all things preventative, $20 for office visits & $100 for outpatient surgery.  Delivery cost us nothing out of pocket.  Dental sucks but that's ok -  we have it so good I can't complain.

I'm a little queasy reading what you all pay.  That's highway robbery...

littlemermaid

We have BCBS.  It's a family plan, high deductible plan since we rarely go to the doctor.  $470/month.  It's our own plan, not through a company.