Health Insurance Cost Survey

girley75 · December 2011

I think when we add our baby it will be about $230 a month which I am very happy with. This is through my husband's company (I will be a stay at home mom anyways). I feel very blessed because through my old company I think it would have been like $1000 or something!! For pregnancy, I have not had to pay anything out of pocket except $250 for our admission fee and $80 for childbirth classes (we have Kaiser).

KRISTA555 · December 2011

We definitely have it extremely good in this category.

$600 a year for our entire family-- no copays for maternity care (and usually for regular care), and they cover 100%.

Why? My husband is a medically retired disabled veteran.

indomesticbliss · December 2011

C

We are on a private plan and willbe paying just over 500 for 4 of us with a 3k hsa. On dh's work plan we would be paying 600 a month with a 15k deduct....ouch

And he works for a very well known and respected international company.

Sascha3 · December 2011

I love my insurance.

I pay $66 a month for my medical insurance just for myself. It has covered my pregnancy 100%. My husband's insurance covers my copay. I have no deductible for L&D.

My husband's insurance costs him about $80 a month for me and him, and I think he can add the baby for the same price, but does have some higher copays and deductibles, but nothing too crazy. I am not returning to work, so we will just have his insurance soon.

mrs_kelly1014 · December 2011

Option C for us. We pay nearly $600 out of pocket each month for insurance. My employer just about covers me fully, but family is $$$$.

Mrs.Wifey318 · December 2011

a! but I work for a hospital with really good insurance!

Mrs.T22308 · December 2011

About $800 per month. My husband works for one of the largest retailers in the US as an executive mind you!

That doesn't include much. $800 deductible per person ($2400 family) and a $4,000 OOP max for each person ($12k family). $25/35 co pays and our Rx coverage sucks. I hit my max every.single.year.

At least our preventitive dental is usually free (or no more that $5) and our vision is only a $20 copay and we get something like $120 credit towards contacts a year.

LuckyOBlessed · December 2011

$40/month family medical
$10/month family dental
$6/month family vision

I work for a large employer that pays the majority of our benefits.

ETA: The deductible for vaginal delivery was $400, $700 for c-section.

Lindze75 · December 2011

A. Medical: $60 mo/for baby and me and $60/month for DH alone. Dental: $30/mo. Vision: included for me and baby - hubby doesnt have vision.

Total cost: $150

jayleigh68 · December 2011

$0. My company pays the family premium as a benefit. Makes me feel better about my pay. Also makes me feel grateful after reading through the responses.

rinny25 · December 2011

A. I'm a teacher and we have excellent benefits. DH, DS & I are all on my benefits. It cost us less than $600 to have our son but that s only because we decided to have him circumcised, an elective procedure not covered. My co-pays were $30 from start to finish & nothing from the hospital. After reading some of these posts makes me even more grateful for the benefits we do have! If we all were covered on DHs benefits it would be significantly more & the more he makes the more he pays for benefits.

Kristina052707 · December 2011

B. We currently have the HMO vs the PPO plan my husband work offers (union) so it does cost us more upfront, about $300 a month out of his paycheck for our family but it is awesome insurance. We do not have a deductable and everything is covered 100% (except dr office co-pays which was $20).

SaraTF · December 2011

We will pay $450/month, but the coverage is great. We almost everything paid for, including our copays because of the company benefits.

bride2005!! · December 2011

letter C...about $600. But I consider myself fortunate since my job pays 70% of my premium and I have excellent coverage. It's also pre-tax which helps big time.