Just curious what is bad and good.
What is your deductible for health insurance?
| Started By | Comment | |||||||
|---|---|---|---|---|---|---|---|---|
 ememkay25 |
What is your deductible for health insurance? |
Lead | ||||||
|
Posts: 8347 (09/18/2009 7:41 PM) |
|
|||||||
|
IHeartDrDorian |
||||||||
|
Posts: 10910 (09/18/2009 7:43 PM) |
$100/month for a single. If it was family it would be $250/month
I should add that I do have pretty good insurance. I pay either 10/15/20 for prescription drugs and only a $15 copay at the doctors. It's also a PPO, so I don't need any referrals.
Edited By: IHeartDrDorian
09/18/2009 7:48 PM.
Edited 1 times.
|
|||||||
|
Ducky Luv |
||||||||
|
Posts: 26120 (09/18/2009 7:44 PM) |
750...because my company is trying to force us all into HSAs. It used to be 250...and I paid a smaller premium.
ETA: My premium contribution is 110/mo.
Edited By: Ducky Luv
09/18/2009 7:49 PM.
Edited 1 times.
|
|||||||
|
ememkay25 |
||||||||
|
Posts: 8349 (09/18/2009 7:44 PM) |
I don't understand how company benefits work. This is all new to me.
|
|||||||
 Nicole2003 |
||||||||
|
Posts: 3693 (09/18/2009 7:44 PM) |
I pay $117/month. I feel like it's for nothing because they don't cover anything.
|
|||||||
|
IHeartDrDorian |
||||||||
|
Posts: 10913 (09/18/2009 7:52 PM) |
ememkay25 wrote:You just pay a certain amount a month and then you are covered under their insurance plan. Your company should have given you a benefits book and you can read through that. It should tell you everything. |
|||||||
|
nicksdolphin |
||||||||
|
Posts: 20563 (09/18/2009 8:00 PM) |
You pay a monthly fee each month via your paychecks in order to keep your insurance. Then you have a deductible you have to meet which is the amount you have
to pay out of your pocket before the insurance kicks in & starts paying for care. Then you have a copay that you have to pay for each of your visits &
meds.
I really think colleges should force people to take a "real life" course. Insurance, taxes, financial plans, etc. |
|||||||
|
IHeartDrDorian |
||||||||
|
Posts: 10924 (09/18/2009 8:07 PM) |
nicksdolphin wrote:I think that the deductible depends on your insurance. I don't have to pay a deductible for my health (I do for my dental) if I stay in-network. |
|||||||
|
Lukadeem |
||||||||
|
Posts: 52 (09/18/2009 8:09 PM) |
Are you talking about the deductible for care or are you talking about the cost of the insurance?
|
|||||||
|
bebegrl |
||||||||
|
Posts: 2307 (09/18/2009 8:10 PM) |
I pay about $40/mo and I don't know about my deductible. My co-pay's $35 though.
|
|||||||
|
Laurenette |
||||||||
|
Posts: 2868 (09/18/2009 8:15 PM) |
I have an HMO, so no deductible.
Before that, I had a high-deductible PPO with an HSA. My company matched HSA contributions so it was a pretty good deal. My deductible was $1100. I switched to the HMO because even the high-deductible PPO was more expensive. I liked it better though. |
|||||||
|
Wonderers |
||||||||
|
Posts: 2023 (09/18/2009 8:16 PM) |
The deductible is $250 a year. However 99% of the things the kids and I go to the doctor for are not applied to the deductible, it's paid for at 100%
(minus the office copay). So I rarely hit that $100 of the deductible.
I pay about $300 a month for insurance. That is for heath/dental/vision/life. I'm not sure how much it is for just the health portion. That is also for family. If it was just for myself, the health portion would be free and I'd only have to pay for the others. |
|||||||
|
ceelovejay |
||||||||
|
Posts: 15219 (09/18/2009 8:20 PM) Best Fan Fic Author '04
|
My deductible is $1000 but my firm pays it. My monthly fee is $356.64 (family).
|
|||||||
|
NiteSky83 |
||||||||
|
Posts: 7717 (09/18/2009 8:20 PM) |
I have tricare through my husband.
|
|||||||
|
BweeUTeful |
||||||||
|
Posts: 3112 (09/18/2009 8:25 PM) |
NiteSky83 wrote:Me too! I haven't used it much yet because I rarely need to go to the doctor. Do you like it? All I know is my birth control went from costing me $27/month to $3/month. I'll take it. 
|
|||||||
|
ugh rabies |
||||||||
|
Posts: 164 (09/18/2009 8:27 PM) |
I have no idea.
ETA: Just looked it up. $200 and my annual out of pocket max is $1,000.
Edited By: ugh rabies
09/18/2009 8:32 PM.
Edited 1 times.
|
|||||||
|
Nunya Biznaaz |
||||||||
|
Posts: 166 (09/18/2009 8:29 PM) |
I have a HDHP with an HSA . My deductible is $1500 but preventative care is covered 100%, no deductible. My plan is fee. I work for the health insurance
company.
|
|||||||
|
iLikeThatOne |
||||||||
|
Posts: 3190 (09/18/2009 8:30 PM) |
around $1200. And then we still pay a % after the deductible is met. Ugh.
|
|||||||
|
SwanGeese |
||||||||
|
Posts: 6310 (09/18/2009 8:30 PM) |
You pay a monthly fee each month via your paychecks in order to keep your insurance. Then you have a deductible you have to meet which is the amount you have to pay out of your pocket before the insurance kicks in & starts paying for care. Then you have a copay that you have to pay for each of your visits & meds. There's also co-insurance. Which means that once you hit your deductible, you are responsible for part of the bill. It's usually 10-20%. I have a crappy individual plan. It's $133 a month and I think that my deductible is 2500. |
|||||||
|
NiteSky83 |
||||||||
|
Posts: 7718 (09/18/2009 8:31 PM) |
|
|||||||
|
Wonderers |
||||||||
|
Posts: 2025 (09/18/2009 8:34 PM) |
I have Tricare also. I haven't used it though. None of the doctors around here are covered and there is not a base close enough to use it that way. So
it's a secondary insurance. I have used the United Cordonia (sp?) for the dental though and it has been great to have!
|
|||||||
