Non hockey question.

Non hockey question.

faithfullyflyers
faithfullyflyers

October 5th, 2011, 4:17 am #1

How much do Americans pay for health coverage. A plan that covers drugs dental glasses medical etc. The wife and I have different ideas.

fff
Quote
Share

Pitts
Pitts

October 5th, 2011, 4:37 am #2

I pay roughly $250 per month and my company picks up the other 80(ish) percent each month on family coverage. I then have a $500 per individual or $1000 family deductible that must be met first each new calendar year. That would be a "discounted rate based on the number of people (employees) in the company group. If I wanted to pay $500 per month, the deductibles would go away.

Others could pay more or less depending on what type of coverage and how many people are in their group.

At my last company, they had so many employees that they got such a good per member discount that the company picked up the entire tab and I had no out of pocket expense for healthcare out side of small co-pays.
Quote
Share

WCF
WCF

October 5th, 2011, 11:01 am #3

How much do Americans pay for health coverage. A plan that covers drugs dental glasses medical etc. The wife and I have different ideas.

fff
I have Aetna Open Access HMO, so I get to see any specialist I want who is on the extensive preferred provider list. This gives me some flexibility to chose an MD and that is important with my medical condition. My out of pocket for MD visits is minimal with $20 or $30 co-pays, BUT I pay for self-only coverage and my premium is going up next year by more than 50%! I now pay $92 bi-weekly or $184 per month, but it is going up to $150 bi-weekly or $300 a month, so I am considering a change to another plan. My employer says they pick up 65% of the premium, but how can that be with those premiums?!
Quote
Share

Rustydog
Rustydog

October 5th, 2011, 2:05 pm #4

How much do Americans pay for health coverage. A plan that covers drugs dental glasses medical etc. The wife and I have different ideas.

fff
As a small employer (we have 8 employees total), we pay 80% of our employee's health care premium. The cost per employee varies based on age and sex, and we have a fairly robust plan through Aetna: $3000 max out-of-pocket/employee/yr.; $20 co-pay on office visits; $50/$30/$15 prescription plan.

Our average premium per employee (again it varies by the individual) is $550 per month. As the employer, we pay $440, so our average employee pays about $110 per month, or about $1300 per year.

Our dental plan is optional, and we pick up 50% of the cost. It's about $38/employee/month, so the employee pays $19 per month.

We don't have a vision plan.

Just to give you a sense of ranges, when we recently renewed our health plan for the company, we had a choice of plans that ranged from about $150/emp./month up to almost $700/emp./month. The low-end plans have crap coverage and zero choice of physician, huge co-pays and deductibles.

How much the individual ends up paying really depends on how much the employer is going to pick up (if any).

Hope this helps.

Quote
Share

Rustydog
Rustydog

October 5th, 2011, 2:14 pm #5

just realized I can't edit my original message.

The prices I quoted above were for individuals only. Of course we have the option of people getting the family coverage as well, which increases the prices. We're in a unique situation that we don't have anyone that takes the family coverage, so I forgot about it.

Also, I just went back and looked, of the various plans we were offered, the highest priced plan was about $825/emp./month, not $700 as I stated above. That plan had only a $500 annual deductible, no co-pay on office visits, etc. -- all the bells and whistles.

I should mention we are based in Florida. Prices for insurance can vary significantly state by state. Insurance in the US is regulated at the state level and, due to some pretty arcane laws, insurers can not sell insurance across state lines, thereby eliminating a lot of competition within the insurance industry.
Quote
Share

Loki
Loki

October 5th, 2011, 2:53 pm #6

How much do Americans pay for health coverage. A plan that covers drugs dental glasses medical etc. The wife and I have different ideas.

fff
aetna ppo. The plan sucks but it's all we can get.
Quote
Share

ABQ Flyer
ABQ Flyer

October 5th, 2011, 5:55 pm #7

How much do Americans pay for health coverage. A plan that covers drugs dental glasses medical etc. The wife and I have different ideas.

fff
My plan is lumped in with the Dept. of Defense program.

We go through Aetna and am paying about $135/month, and my co-pays are very low. It's a great deal for me because of the arthritis meds I take (Enbrel is damn expensive without insurance).

Rob
Quote
Share


Confirmation of reply: