Tabrett Posted November 5, 2010 Share Posted November 5, 2010 Mine is $3500 for the family. Our insurance doesn't have an individual deductible, just family. We pay 100% of deductible up front then we are covered 100% after deductible is met as long as our provider is listed in our PPO. Our deductible includes prescriptions. Quote Link to comment Share on other sites More sharing options...
3littlekeets Posted November 5, 2010 Share Posted November 5, 2010 We are so fortunate. I'm a University employee and our insurance rocks! We pay $220.00 per month, then $20.00 per visit. $100 per hospital admissions. That's it. Â We have decent dental and vision, as well. Quote Link to comment Share on other sites More sharing options...
Kipling Posted November 5, 2010 Share Posted November 5, 2010 We have a private insurance for the kids and me. We just changed to a high deductible HSA which has a $10,000 deductible. After we reach that (which I pray NEVER happens), then everything is covered 100%. Until then, well-child visits (including immunizations) and annual adult well visits are covered 100%. For sick visits, visits to specialists, and hospitalization, we pay the "negotiated lower insurance rate" for all services. The plan has its risk factors, but I feel comfortable with it for our family. We are never sick (except for colds and things that don't require doctors), hardly ever go see specialists, and have not been to the hospital. Our monthly premium for the 4 of us (1 adult, 3 kids) is just over $200. Quote Link to comment Share on other sites More sharing options...
Julie in CA Posted November 5, 2010 Share Posted November 5, 2010 Our deductible is $3500 per person, but only up to 2 people, so our largest out-of-pocket is $7000. We also set up a health savings account, and built up enough to cover the $7000 if we should need it. I'm very happy with the arrangement. :001_smile: Quote Link to comment Share on other sites More sharing options...
ZeldaRules Posted November 5, 2010 Share Posted November 5, 2010 My husband has worked for the same company for 11 years. When he first started, our deductible was $100/year per person. This year it is $300/person; $600/family. Two people have to meet the $300 deductible. Next year, it is going up to $450/person. Thanks to Obama Care (as the company says in so many words). I don't know all the details of the Obama Care. One big reason I am assuming it is going up is there is no max for lifetime insurance coverage. It was usually $2 million/person, now it is unlimited. There are some very sick people who have a lot of medical expenses, so I am assuming this is one big reason. Â Anyways, we will pay $160ish for medical and dental coverage a month. Â We get our money's worth, sadly, because our middle son gets Occupational Therapy services every week. Â We have a $25 copay. And I recently discovered that it's better to go to Walmart to get some prescriptions. We paid $30 for an antibiotic that was normally $2 before at CVS. It would be $4 at Wally World. So now we will go to Wally World for all our scripts. Insured or not, there are lots of scripts they have available for $4/script. Look it up online before getting something filled. Â Vicki Quote Link to comment Share on other sites More sharing options...
KrissiK Posted November 5, 2010 Share Posted November 5, 2010 Ours is $750.00 per person. This sort of system is totally new to me, so I'm not exactly sure how it all works. I'm used to the co-pay thing. Quote Link to comment Share on other sites More sharing options...
Parrothead Posted November 5, 2010 Share Posted November 5, 2010 Last time I read the paperwork it was $250 per person or $500 for the family. Quote Link to comment Share on other sites More sharing options...
Laura Corin Posted November 5, 2010 Share Posted November 5, 2010 I spend Ă‚Â£3 per prescription. That's it for the NHS. I have top-up insurance which has a Ă‚Â£100 deductible per person.  Laura Quote Link to comment Share on other sites More sharing options...
Amy loves Bud Posted November 5, 2010 Share Posted November 5, 2010 Ours is $8000 per person, I think the family max is $24K, but I'm not sure about that one. It used to be $5000, but Bud just raised it to the $8k option last year. Â We chose this insurance - we could go with lower premiums, but prefer to save the premium and self-insure the high deductible. So far, so good. Â ETA: This is the same insurance we've had since 2002. Quote Link to comment Share on other sites More sharing options...
Jann in TX Posted November 5, 2010 Share Posted November 5, 2010 We have $3000 up front then after that everything is covered. DH's company kicks in about $1000 on our side--so we are out $2000 per year. Â This is great for us because my medication runs $2000-$4000 per month! Â Our plan does cost us about $750 per month for the premium... Quote Link to comment Share on other sites More sharing options...
QueenCat Posted November 5, 2010 Share Posted November 5, 2010 $0, no deductible.... Dh's new company, where he's been for almost 2 years, has awesome health insurance. No premiums, no deductibles, no co-pays, for anything, including prescriptions. We do pay some for dental and most of our vision. They have excellent benefits because it is hard to find enough well trained people to do the jobs. Not enough people are willing to get the Computer Science and Engineering degrees to fill the positions, which are most of the positions at his company. They don't want other companies to "steal" their employees. Quote Link to comment Share on other sites More sharing options...
Jenny in Atl Posted November 5, 2010 Share Posted November 5, 2010 $3,500 per person the 8-/20 split $3000 for non prescription medical needs (my daughter's pump supplies) $300 per person meds then an 80/20 split  It's killing us... Quote Link to comment Share on other sites More sharing options...
Jan in SC Posted November 5, 2010 Share Posted November 5, 2010 $1500 per person $3000 family after that I think it is 100% in area/ 80/20 out of area  We pay $1700 a month for health, dental, and vision coverage, though. We are able to get a group plan because of my dh's job, even though he does have his own buisness. Quote Link to comment Share on other sites More sharing options...
Daisy Posted November 5, 2010 Share Posted November 5, 2010 $100/person deductible. 20% copay on most things. $15/prescriptions Hubby, as the primary, has better coverage. Some of his medical bills are covered 100% with no copay. Quote Link to comment Share on other sites More sharing options...
LNC Posted November 5, 2010 Share Posted November 5, 2010 We meet our family deductible (it is high compared to most people's plans, but I don't know how much) early in the year - usually by Feb!, then pay 20% after that. We meet our family out of pocket maximum every single year - last year in the spring, this year in the fall. Then, we pay nothing after that. The out of pocket maximum is very high though - something like $8000. We just have to plan that into our budget each year:001_smile:. Quote Link to comment Share on other sites More sharing options...
athena1277 Posted November 5, 2010 Share Posted November 5, 2010 Ours is $1000 per person. Only dd has reached it since she had to have surgery done on her ear recently. Quote Link to comment Share on other sites More sharing options...
TravelingChris Posted November 5, 2010 Share Posted November 5, 2010 OUr deductible is 150 individual/300 family. After that we have a co-pay of either 15 or 20% depending if the doctor is network or not. We pay either 3, 6, or 21? per prescription per month's supply. Our catastrophic limit is 1000 and we never go past March meeting that. Quote Link to comment Share on other sites More sharing options...
KS_ Posted November 5, 2010 Share Posted November 5, 2010 We had to change insurance companies last year to avoid ours going up to $10,000 per person (which is the plan we could afford). It's at $5,000 per person, with absolutely no coverage for anything before that (the other plan had some minor coverage for office visits and prescriptions). Quote Link to comment Share on other sites More sharing options...
Gooblink Posted November 5, 2010 Share Posted November 5, 2010 (edited) We are so fortunate. I'm a University employee and our insurance rocks! We pay $220.00 per month, then $20.00 per visit. $100 per hospital admissions. That's it. We have decent dental and vision, as well.   This is great, but these wonderful plans are also why health care costs so much across the board and we're in a so-called "crisis," right now.  We have $6500 in deductibles and and HSA. Our medical expenses, with 1 diabetic child and the rest of us relatively healthy, run about $7000 out of pocket, annually.  Where insurance helps us most is in the negotiated service rates. For the uninsured, the system sucks. Edited November 5, 2010 by Gooblink Quote Link to comment Share on other sites More sharing options...
Marie in Oh Posted November 5, 2010 Share Posted November 5, 2010 OUr deductible is 150 individual/300 family. After that we have a co-pay of either 15 or 20% depending if the doctor is network or not. We pay either 3, 6, or 21? per prescription per month's supply. Our catastrophic limit is 1000 and we never go past March meeting that. Â Except that we have a supplement that pays the 20% after the deductable is met. We choose this over Prime coverage where 100% is covered with no supplement necessary, but most/ all care is at a MTF (Military Treatment Facility) with military or contract doctors. After 14 years of government health care, we opted to get out of the Prime system and pay some out of pocket so we could choose our own doctors. Free isn't always best, and the way it looks, we pay much less out of pocket than most of you all. Quote Link to comment Share on other sites More sharing options...
Nestof3 Posted November 5, 2010 Share Posted November 5, 2010 $5,000 for the family. After that, it's covered at 100%. So, the most we can spend a year outside of the $500 a month premium is $5,000. We have it for catastophic coverage. Quote Link to comment Share on other sites More sharing options...
mammaruss Posted November 5, 2010 Share Posted November 5, 2010 We are self employed and our health insurance costs us $650. per month. We have a family deductible of $2,500. per year-then we are covered 100% on all visits/prescriptions. Some years we barely meet our ded.--this year we met it early on in the year. I have had a lot of neurologist/pt/pain clinic appts and husband is having a hard time with his back and will be having back surgery next month--so this year there are no complaints of the $650. per month premiums! Quote Link to comment Share on other sites More sharing options...
Supertechmom Posted November 5, 2010 Share Posted November 5, 2010 Hubby's work policy that we refused is now $750 a month for a family, 3500 deductible with a cap of 2 (meaning two people have to reach it), $5,000 out of pocket max at 80/20 split and then 100% coverage after that. Drugs, dr visits, and specialists do not apply to the deductible. Procedures and labs do. So we would have to rack up 7,000 in labs and procedures to get to a 80/20 split and then rack up 5,000 to get to 100%. So it's basically catastrophic insurance with co pay dr visits since we are basically a healthy lot with few if any issues outside of allergies. we couldn't afford it a couple of years ago when it was a little lower and after this hike, several of the employees dropped it. We're just a waiting on the Obama gov care to take effect because we will be busted to 1099 contract workers and won't have any access to work insurance. we might be able to get insurance under the new health bill. Quote Link to comment Share on other sites More sharing options...
Lightly Salted Posted November 5, 2010 Share Posted November 5, 2010 5600 a year, for the family, all has to be met before insurance kicks in at 80%  we have an hsa which we can't afford to fully fund  premiums went up by 25% this year but no raises  sigh Quote Link to comment Share on other sites More sharing options...
kewb Posted November 5, 2010 Share Posted November 5, 2010 Too high for the amount we pay every month. Purchasing private insurance is almost as much as my mortgage. $10k for the family. Quote Link to comment Share on other sites More sharing options...
NoPlaceLikeHome Posted November 5, 2010 Share Posted November 5, 2010 This is great, but these wonderful plans are also why health care costs so much across the board and we're in a so-called "crisis," right now. We have $6500 in deductibles and and HSA. Our medical expenses, with 1 diabetic child and the rest of us relatively healthy, run about $7000 out of pocket, annually.  Where insurance helps us most is in the negotiated service rates. For the uninsured, the system sucks.  :grouphug:  I do disagree that wonderful healthcare plans have a major impact on the sky rocketing health care costs that has been occurring for the past several decades. I suspect that the excessive charges for medical services and drugs have more to do with sky rocketing costs as well as funding the uninsured treatment costs. I understand that if you have to pay then you will use medical services less but this does not help those who have chronic diseases or catastrophes and cannot afford to pay out of pocket for life-saving treatments. The problem with high deductible plans in my opinion is that many cannot afford to pay the excessive deductibles and therefore will forgo medical care and probably end up costing the system even more in the end:( Quote Link to comment Share on other sites More sharing options...
Guest Cheryl in SoCal Posted November 5, 2010 Share Posted November 5, 2010 We don't have a deductible. Quote Link to comment Share on other sites More sharing options...
mytwomonkeys Posted November 5, 2010 Share Posted November 5, 2010 $10,000. it stinks! our insurance is really for catastrophic events only though....not day to day health care. Quote Link to comment Share on other sites More sharing options...
wapiti Posted November 5, 2010 Share Posted November 5, 2010 Our deductible is $800 per person in-network (PPO), times 8 people in our family. There is a separate deductible out-of-network, which I think is another $800 per person. We have a $30 co-pay; which, as it turns out, is about half the cost of a sick visit at our ped. Our deductible basically doubled for 2010 from what it was. Some things are covered without regard to the deductible - certain kinds of well-visits, I think. Â Our annual premium totals $34,000, group insurance (we pay the entire premium). We have 6 kids. The coverage we get is usually excellent, though it does not include therapy for developmental delays. One of the kids has a pre-existing condition (long story) so at this time we can only stick with the group plan. Â If I had a choice, I'd rather have a high-deductible/low-premium policy for catastrophic coverage only, and pay out of pocket for more regular visits. $34,000 would buy a whole lot of health care out of pocket; even if half of it went to a catastrophic-only policy, we'd still come out ahead except for the infrequent years where something really big happened (and we're no strangers to odd medical things happening), in which case we'd be prepared to deal with the high deductible. But at the moment we're still dealing with the pre-existing condition, so that's not an option. Â Plus, as far as I know, "high deductible/low premium" plans will NOT qualify under the new health law for people over age 30 (or some similar age). Quote Link to comment Share on other sites More sharing options...
Crimson Wife Posted November 5, 2010 Share Posted November 5, 2010 :grouphug:Â I do disagree that wonderful healthcare plans have a major impact on the sky rocketing health care costs that has been occurring for the past several decades. I suspect that the excessive charges for medical services and drugs have more to do with sky rocketing costs as well as funding the uninsured treatment costs. I understand that if you have to pay then you will use medical services less but this does not help those who have chronic diseases or catastrophes and cannot afford to pay out of pocket for life-saving treatments. The problem with high deductible plans in my opinion is that many cannot afford to pay the excessive deductibles and therefore will forgo medical care and probably end up costing the system even more in the end:( Â I disagree with this. I believe that if medical insurance was more like other kinds of insurance (auto, homeowner's, etc.) and only covered the unexpected big costs rather than routine ones folks would have a greater incentive to have a healthy lifestyle (eat right, exercise, quit smoking, etc.) Something like >90% of diabetes, >85% of cardiovascular disease, and >80% of cancer is attributable to poor lifestyle. So long as the cost of treating the consequences of poor lifestyle is spread out over the entire pool, there's little incentive for the individual to change. Quote Link to comment Share on other sites More sharing options...
Guest Cheryl in SoCal Posted November 5, 2010 Share Posted November 5, 2010 (edited) I disagree with this. I believe that if medical insurance was more like other kinds of insurance (auto, homeowner's, etc.) and only covered the unexpected big costs rather than routine ones folks would have a greater incentive to have a healthy lifestyle (eat right, exercise, quit smoking, etc.) Something like >90% of diabetes, >85% of cardiovascular disease, and >80% of cancer is attributable to poor lifestyle. So long as the cost of treating the consequences of poor lifestyle is spread out over the entire pool, there's little incentive for the individual to change. That would be penalizing those who aren't responsible for their medical diseases/disorders. My children are not responsible for their medical issues (cleft lip/palate and cataracts/glaucoma), and there are MANY more like them. If we didn't have the excellent medical insurance we have we would be BROKE, and none of what our medical insurance pays for is due to anyone's chosen lifestyle. Â ETA that your plan also doesn't address health maintenance that helps reduce medical costs by catching health issues before they are severe (and expensive). How many women would end up with cervical cancer because they don't get regular pap smears, how many would end up in the ER with pneumonia instead because they didn't treat a less serious respiratory infection earlier, etc? Many such "routine" services help keep overall medical costs down. Edited November 5, 2010 by Cheryl in SoCal Quote Link to comment Share on other sites More sharing options...
Tabrett Posted November 5, 2010 Author Share Posted November 5, 2010 Our deductible is $800 per person in-network (PPO), times 8 people in our family. There is a separate deductible out-of-network, which I think is another $800 per person. We have a $30 co-pay; which, as it turns out, is about half the cost of a sick visit at our ped. Our deductible basically doubled for 2010 from what it was. Some things are covered without regard to the deductible - certain kinds of well-visits, I think. Our annual premium totals $34,000, group insurance (we pay the entire premium). We have 6 kids. The coverage we get is usually excellent, though it does not include therapy for developmental delays. One of the kids has a pre-existing condition (long story) so at this time we can only stick with the group plan.  If I had a choice, I'd rather have a high-deductible/low-premium policy for catastrophic coverage only, and pay out of pocket for more regular visits. $34,000 would buy a whole lot of health care out of pocket; even if half of it went to a catastrophic-only policy, we'd still come out ahead except for the infrequent years where something really big happened (and we're no strangers to odd medical things happening), in which case we'd be prepared to deal with the high deductible. But at the moment we're still dealing with the pre-existing condition, so that's not an option.  Plus, as far as I know, "high deductible/low premium" plans will NOT qualify under the new health law for people over age 30 (or some similar age). :blink: $34,000 a year for health insurance? Am I understanding you correctly? Are you having to stay with a company because of pre-existing conditions and your annual medical bills are more than $34,000 a year? Quote Link to comment Share on other sites More sharing options...
Crafty Mathy Mom Posted November 5, 2010 Share Posted November 5, 2010 Employer provided BCBS PPO is $350 per month for 5 people plus what we can manage to put in the HSA. There's a $2500 deductible per person, $5000 for the family. Kicks in at 80% after that. Next year everything goes up $400 a month, $3000 per person, and $6000 family. Quote Link to comment Share on other sites More sharing options...
wapiti Posted November 5, 2010 Share Posted November 5, 2010 :blink: $34,000 a year for health insurance? Am I understanding you correctly? Are you having to stay with a company because of pre-existing conditions and your annual medical bills are more than $34,000 a year? Â Our actual medical expenses, for services rendered (whether out of pocket or paid by insurance), are surely under 10k for this year, though DH did have an MRI of his shoulder the other day, which I assume is over 1k. I've never really added it all up, so I could be off. Maybe our actual expenses could be as high as 15k. But DH's little old-man-mid-life-crisis-athlete issues I think are our biggest expense this year. Garden variety sick visits, a couple of chest x-rays for the baby, I had broken ribs in January, DH had stitches. So I still think under or around 10k. The ds with the pre-existing condition - congenital thrombocytopenia (low platelets) - will have one specialist visit and a few blood tests, probably totalling less than $400. But we must keep in the back of our mind that his condition is also a symptom of leukemia (let me be clear, this is not something that's on our radar screen - not suspected - knock on lots of wood!!!), but we can't go without catastrophic coverage at a minimum, except that we can't buy catastrophic coverage on the individual market due to this condition. We would be able to afford a significantly high deductible if such a policy were available to us in exchange for a lower premium, but as I noted, it's not, though I admit I haven't looked very hard; our friends have done the looking (chalk me up as another person who'd like to see a national market for individual health insurance - somewhere there is, or could be in the future, an insurance company that could make money off of us and we'd likewise be happy to do business with them). Â However, we DO pay an annual premium of $34,000 - you read that correctly - plus the deductible of $800 per person for in-network visits (x8, though most of us won't reach that this year), plus the $30 co-pay per visit. That's for decent coverage, but not outrageous coverage. The pre-existing condition does not figure into the premium directly, though it might be that a number of individuals in the group have such conditions. Most of the people at the firm who pay the whole premium (the lower level employees do NOT pay the whole thing) have left the coverage pool except the ones that have pre-existing conditions. I sure don't consider it a "cadillac plan" but obviously it will be taxed as such when the surcharge kicks in, though that's not planned until close to the end of this decade (yep, we'd be close to $50k in today's dollars). Â We pay the whole premium due to DH's position at his firm. I think it would be very instructive if more companies were clear about the portion of the premiums that the company pays on behalf of the employee, in addition to the amounts the employee pays. When I was working, I had the SAME EXACT plan and insurance company as DH's firm, and my out-of-paycheck premium was nothing compared to what we pay now (I was also single then with no kids ;) so it is hard to compare but it was only a very, very small fraction of what we pay now - so small I never even noticed it - my firm was paying a portion and yet I don't even know how much that was). Â I vaguely recall reading that coverage became connected with employment when there were wage controls (maybe during WWII? can't remember) as a way for employers to compete. Personally, I would like to see insurance de-coupled from employment income, in that the whole amount goes into the paycheck total, including any premium payed by the employer in addition to that paid by the employee, and then a separate form allow the cost as an income tax deduction, and most of all I'd like to see the same deduction allowed for individual non-employer health insurance. Group insurance obtained through an employer vs individual insurance is an apples/oranges comparison because of a frequent lack of transparency about what the employer is paying, combined with the different tax treatment. Not only does this lack of transparency cause distortions in the insurance market, but also in the employment market as compensation is less transparent. When compensation is less transparent, it's harder to compare jobs - different jobs can appear to have similar compensation but really have quite different compensation due to different levels of benefits - and markets function less efficiently. Quote Link to comment Share on other sites More sharing options...
Tabrett Posted November 5, 2010 Author Share Posted November 5, 2010 wapiti, I'm speechless! Wow. That's a lot of money. :grouphug: Quote Link to comment Share on other sites More sharing options...
whitestavern Posted November 5, 2010 Share Posted November 5, 2010 We have a private insurance for the kids and me. We just changed to a high deductible HSA which has a $10,000 deductible. After we reach that (which I pray NEVER happens), then everything is covered 100%. Until then, well-child visits (including immunizations) and annual adult well visits are covered 100%. For sick visits, visits to specialists, and hospitalization, we pay the "negotiated lower insurance rate" for all services. The plan has its risk factors, but I feel comfortable with it for our family. We are never sick (except for colds and things that don't require doctors), hardly ever go see specialists, and have not been to the hospital. Our monthly premium for the 4 of us (1 adult, 3 kids) is just over $200. Â This is exactly us, except that we pay $524 per month for 2 adults/2 children. Quote Link to comment Share on other sites More sharing options...
TravelingChris Posted November 5, 2010 Share Posted November 5, 2010 Crimson wife said:I believe that if medical insurance was more like other kinds of insurance (auto, homeowner's, etc.) and only covered the unexpected big costs rather than routine ones folks would have a greater incentive to have a healthy lifestyle (eat right, exercise, quit smoking, etc.) Something like >90% of diabetes, >85% of cardiovascular disease, and >80% of cancer is attributable to poor lifestyle. So long as the cost of treating the consequences of poor lifestyle is spread out over the entire pool, there's little incentive for the individual to change. Â This isn't true in my family where we have constant medical bills. Major Depression, ADHD, PMDD, Rheumatoid Arthritis, Migraines, Asthma, Blood clots, Antibiotic infections, broken bones, torn ligaments, eye problems, etc, etc, are not from poor lifestyle. We don't have a single illness that is caused by lifestyle issues. We do have a lot of problems though and they cost a lot. One reason my dh decided to stay in the military was because of medical costs. It turned out to be a very wise decision. One of my blood thinners cost over $2000. My dd's medicine to prevent non stop migraines and also prevent PMDD issues cost 900 for a three month prescription. NOw my father had heart disease and he had low cholesterol, no high blood pressure, and wasn't overweight. THere are many people like that. There are also people who are skinny and have high blood pressure or high cholestrol. I had a neighbor like that when I was little. He exercised hard five days a week and he still had high risk of heart disease. Why? Heridity. That was my father's issue too. Nothing else. Â It certainly isn't true that most cancers are caused by lifestyle choices. We have no idea what causes most cancers. Only a very few we do and even there, like lung cancer, only 75% is in smokers or former smokers. Others we know a cause but the cause is something like a virus. Oh and if you want to tell me how that is a lifestyle choice, I can tell you about a friend of mine whose first husband cheated and essentially gave her the virus which caused cervical cancer. One more thing, I may have very well survived my recent blood clots because I was overweight. The survival rate for blood clots is much better in overweight people. Why? They don;t know but do know its true. Quote Link to comment Share on other sites More sharing options...
justlittleoldme Posted November 5, 2010 Share Posted November 5, 2010 We pay $1,638 a month for 7 people. Hubby's work covers $1,000 of that (the union negotiates that since there is no cafeteria, they get $500 every two weeks. If you are single, that covers all of your premium plus extra.). We are responsible for the first $2000 in co-pays, after that, everything is covered. Well baby visits, yearly physical, maternity visits, admission to the hospital are all completely covered. We just pay for prescription co-pays ($5 generic, $15 name brand), sick appointments, and a $100 co-pay for emergency room visits (unless you are admitted-then its covered). Quote Link to comment Share on other sites More sharing options...
lisamarie Posted November 5, 2010 Share Posted November 5, 2010 $600 deductible and then it kicks in at 90/10. Up to $1800 I think and then it's covered at 100%. We tried really hard to hit that 100% point, but it looks like we just missed it despite 3 ER visits, 1 hospitalization, and home health care with IV meds and a PICC line for a week. Plus regular medical issues. Office visits are $25 which has really killed us this year. Last month we spent $150 in OV copays. And DH has 15 more visits scheduled to get PT at $25/time. We only put $1000 into our FSA and that was gone by early summer. We are putting in $1500 for 2011 and we'll see how long that lasts. Quote Link to comment Share on other sites More sharing options...
texasmama Posted November 6, 2010 Share Posted November 6, 2010 $2500 per person. We have individual health insurance, as dh is self employed. Quote Link to comment Share on other sites More sharing options...
HappyCrazyMama Posted November 6, 2010 Share Posted November 6, 2010 Our deductible is $2,500 per person with a $5,000 max for in network providers, double that for out of network. Quote Link to comment Share on other sites More sharing options...
EKS Posted November 6, 2010 Share Posted November 6, 2010 Was $1500 per person and going up significantly each year. Then my husband got a job with the fire department and the deductible went to $0. Quote Link to comment Share on other sites More sharing options...
KidsHappen Posted November 6, 2010 Share Posted November 6, 2010 Our current plan does not require a deductible if we use an in-network provider but we do have a limit on certain kinds of care (my chiro, physical and message therapy is already used up and I am in a lot of pain) and we have to pay a co-pay for all visits (different amounts for different kinds of care). Our monthly deduction for health care is $500. Our total health care expenses last year was $13,000 and they will be about the same this year and next providing we don't have any major problems. This includes eye care, dental care, chiro care, therapy, medical and prescriptions and everyone except for me is pretty healthy. Our health care provider seems to change every year even though my hubby is with the same company. Quote Link to comment Share on other sites More sharing options...
LauraGB Posted November 6, 2010 Share Posted November 6, 2010 I don't even know specifically. $10,000, I think. It's insane. But, we only really have it in case something catastrophic happens, since we rarely go to the dr. The monthly pmt is less than $300, and then the discounts still apply if we do go. Quote Link to comment Share on other sites More sharing options...
misidawnrn Posted November 6, 2010 Share Posted November 6, 2010 I pay $260 a month and that includes dental. We have a $5000 family deductible that must be met before anything is covered, even prescriptions, (not including dental, that is a little different) We have a $10,000 max out of pocket for the family and then things will be covered at 100%, otherwise it is 80/20 for preferred providers Tier 1, 70/30 for sort of preferred Tier 2, and they don't pay at all for Tier 3 unless you have permission. It sucks but it is the only option we have since DH is self employed. Quote Link to comment Share on other sites More sharing options...
specialmama Posted November 6, 2010 Share Posted November 6, 2010 Mine is $3500 for the family. Our insurance doesn't have an individual deductible, just family. We pay 100% of deductible up front then we are covered 100% after deductible is met as long as our provider is listed in our PPO. Our deductible includes prescriptions. Â No deductable. Full coverage for free (except for adult eye care, we pay $65 per adult optom. appt. and glasses are paid) and we pay 35 cents per prescription. Quote Link to comment Share on other sites More sharing options...
*LC Posted November 6, 2010 Share Posted November 6, 2010 ISomething like >90% of diabetes, >85% of cardiovascular disease, and >80% of cancer is attributable to poor lifestyle. So long as the cost of treating the consequences of poor lifestyle is spread out over the entire pool, there's little incentive for the individual to change. Â Where do these numbers come from? Â The 2010 World Cancer Congress had far different numbers. The Union for International Cancer Control (UICC) attracted more than 3,000 delegates from 94 countries and regions all over the world. Â "Experts at the meeting said one-third of global cancer cases were preventable. Urgent actions by governments, individuals and medical communities are required to stop the rise in cancer deaths, they said. Â Hao Xishan, president of the 2010 World Cancer Congress, said among cancer-causing lifestyle factors, smoking is the world's largest single preventable carcinogenic factor. Hao said 80 percent to 90 percent of lung cancer deaths in the world were attributed to smoking. Â On the other hand, in the area of prevention, only 9 percent of nations globally prohibited smoking in bars and restaurants and 65 countries were reported having no national smoke-free policy. Â David Hill, president of the UICC, said about 40 percent of cancer was caused by three main factors: lifestyle, infectious diseases and occupational or environmental factors. Â "I can not tell you which kind of foods can cause cancer from regular consumption," Hill said. "But one thing is certain. Overeating can cause obesity, which is one of the main factors that lead to cancer."" Â Two of my daughter's close friends are fighting cancer (or complications) right now, and I know they had healthy lifestyles when they were diagnosed as children. Actually, they both have had cancer for more than 10 years. Quote Link to comment Share on other sites More sharing options...
Nestof3 Posted November 6, 2010 Share Posted November 6, 2010 Maybe people should be required to sign when they buy cigarettes saying they will pay out of pocket for lung cancer treatment/oxygen tanks, etc. :glare: Â Hao Xishan, president of the 2010 World Cancer Congress, said among cancer-causing lifestyle factors, smoking is the world's largest single preventable carcinogenic factor. Hao said 80 percent to 90 percent of lung cancer deaths in the world were attributed to smoking. Â Â Quote Link to comment Share on other sites More sharing options...
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