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Forum
-> Household Management
-> Finances
For those of you in the US, how much do you pay for healthcare on average?
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Nothing, we get medicaid |
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23% |
[ 15 ] |
Nothing, no insurance and no medical bills |
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3% |
[ 2 ] |
Nothing, fully covered by employer |
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9% |
[ 6 ] |
$300 per month or less |
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21% |
[ 14 ] |
$301-$600 per month |
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18% |
[ 12 ] |
$601-$900 per month |
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9% |
[ 6 ] |
$901-$1200 per month |
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4% |
[ 3 ] |
$1201-$1500 per month |
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4% |
[ 3 ] |
$1500 per month or more |
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4% |
[ 3 ] |
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Total Votes : 64 |
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Atali
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Mon, Aug 24 2009, 8:48 pm
For those of you in the US, how much do you pay for healthcare?
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amother
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Mon, Aug 24 2009, 9:14 pm
we use to pay about $1000 a month to be covered by my husbands work's PPO plan and just switched to the HMO and still pay about $700 a month.
Health care for PPO should cost around $15,000 a year for a family, so if you are not paying anything close to $1250 a month realize you have a good job and someone is paying it for you. My in laws were paying close to $18,000 per year on their own (not a group plan) with a $2500 deductable for each of them.
Also it depends on the plan you have, the higher your plan costs, usually the lower your deductable is, so if you go to the doc and use the docs then one way or the other you will pay for your treatment.
If you work for the state (in my state) you pay nothing for your own coverage for life (most jobs) and you you pay about $100-150 for your family to be covered while you are working.
I know a lot of people here in the states do Medicaid and I know its there for people who cant afford health insurance, but that is why health insurance costs so much. To me and my husband health insurance is like jewish school. The same way I "can afford" Jewish tution (because its a non-negotiable) is the same way I "can afford" health insurance, I make it affordable. I make sure that I can afford it because when it comes to health I dont want to sacrifice the care in order to not have the bill. (we were able to switch to HMO while keeping the good docs that we used on our PPO, thats why we were willing to switch)
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Atali
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Mon, Aug 24 2009, 9:29 pm
amother wrote: | we use to pay about $1000 a month to be covered by my husbands work's PPO plan and just switched to the HMO and still pay about $700 a month.
Health care for PPO should cost around $15,000 a year for a family, so if you are not paying anything close to $1250 a month realize you have a good job and someone is paying it for you. My in laws were paying close to $18,000 per year on their own (not a group plan) with a $2500 deductable for each of them.
Also it depends on the plan you have, the higher your plan costs, usually the lower your deductable is, so if you go to the doc and use the docs then one way or the other you will pay for your treatment.
If you work for the state (in my state) you pay nothing for your own coverage for life (most jobs) and you you pay about $100-150 for your family to be covered while you are working.
I know a lot of people here in the states do Medicaid and I know its there for people who cant afford health insurance, but that is why health insurance costs so much. To me and my husband health insurance is like jewish school. The same way I "can afford" Jewish tution (because its a non-negotiable) is the same way I "can afford" health insurance, I make it affordable. I make sure that I can afford it because when it comes to health I dont want to sacrifice the care in order to not have the bill. (we were able to switch to HMO while keeping the good docs that we used on our PPO, thats why we were willing to switch) |
The cost of a PPO varies by state. I have a PPO paid entirely by me (not through an Employer at all, I work for my mother and she doesn't offer insurance) that costs $270 per month. The catch is that it has a large deductible $1000 per person up to $2500 per family, so my average monthly expenses are in the $500 range.
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Atali
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Mon, Aug 24 2009, 9:31 pm
Also, some people really can't afford healthcare and/or a Jewish school. They only make it by getting medicaid and/or tuition reductions.
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nylon
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Mon, Aug 24 2009, 10:54 pm
it costs my husband's employer a total of $900 a month and we pay $150. (BCBS PPO [extremely good coverage], not in New York, large company, one plan [so no adverse selection where the sick people all pick the high option], high enrollment: all of that lowers the premiums.)
oh yes - we have $250 deductible, no coinsurance, $25 copay, 80% on out of network with a $2K out of pocket cap (after that they pay 100%). No limits on in network care, $1M on out of network.
Dental is $30 a month, $2000 a year coverage, 80% on basic and 50% on major (root canals, crowns etc)
Last edited by nylon on Tue, Aug 25 2009, 9:32 am; edited 1 time in total
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amother
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Tue, Aug 25 2009, 12:04 am
I pay in for a plan at work, copays are $25 for pcp and $40 for specialists. Medicines have high copays for name brands and no dental care, only preventive for children. No referrals needed.
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alpidarkomama
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Tue, Aug 25 2009, 12:53 am
DH's employer pays about $1,300/month for health, dental, and vision insurance. We pay about $350 of that + a $750 deductible (pay cash until we reach that) + $25 copay.
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TwinsMommy
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Tue, Aug 25 2009, 10:38 pm
I'm not the only one paying more than $1500 a month, yay!
We pay $1732.98 a month for COBRA and this month we have a $150 emergency room co-pay plus a $112 bill for an extra occupational therapy session for my son (he went one too many times- oops) plus a couple other random bills.
COBRA SUCKS.
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