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10-19-2017 03:59 PM - edited 10-19-2017 05:32 PM
We pay nothing. In addition, DH's employer gives him the the majority of the deductible as a perk. Our deductible is very high so it's a nice perk.
That said, it covers everything 100% once the deductible is met (which usually happens in January). As per COBRA, we would pay just over $10,000 a month if we wanted what we have now in the event DH lost his job. We are a family of five with one child who is disabled.
Yep.
10-19-2017 04:01 PM
@Sue98...my girl friend 64 yrs old...her share per month is $400.00, employer pays $400.00 It is BCBS and is good insurance. I don't know her deductible.
My dh is on Medicare, his supplement is $162.00/month plus his drug plan.
I am 62....good health, my insurance went from $500.00 in 2016 to 800.00 in 2017 and I saw the premium was over $1000.00/month for 2018! Who can afford that? It was GREAT insurance but I went with a Christian Health plan..$301.00 month/$3600.00 deductible. It covers NO preventitive tests, blood work, etc. but I am healthy and taking my changes until I am 65.
Good luck --we are all getting #@$% on health care.
10-19-2017 04:02 PM
My company subsidizes a large portion of the premium, but (understandably) moreso for the employee than for a spouse who does not work for the company.
For just me, including medical + separate dental and vision, and including a discount for not being a tobacco user, it is $152 per month. If I added my spouse, we would pay $420 per month.
10-19-2017 04:03 PM
I'm covered under my husbands plan which is $208 a month, only deductble is $20 or $35. Doesn't matter how many in the family cost is the same. But this is the railroad so it's under union contract.
10-19-2017 04:15 PM
Medicare for myself and my wife=$220
Supplemental where company from which I retired pays 75%, my pension check is reduced $180 each month.
Total for both of us=$400
hckynut
10-19-2017 04:19 PM
When I was employed, just for myself, it depended on which plan of 3-4 offered you chose. I always chose a plan with the least cost to me, some type of HMO. For nearly all of my working life, such plans cost me zero monthly premiums, it was an employee benefit. The last maybe 4 years of working, employees began to have to share the cost of their benefits, but between health insurance, vision and dental, I think I paid about $20-$30/mo for all of it; I was lucky, and I didn’t have to pay for a spouse or child.
10-19-2017 04:21 PM
We pay about $182 every pay period for two adults and children. (PPO) That does not include dental or vision. We also get an HSA credit of $1500 a year to help cover out of pocket expenses.
$5000 max a year per person then it covers 100%. Family deductible is $10,000
Before we reach that we pay 20% in network and 30% out of network.
10-19-2017 04:26 PM
I pay around $400, not sure of the exact amount, between Medicare, Senior Advantage Plan, and dental insurance, for just myself.
10-19-2017 04:27 PM
PPO
one adult 55 years old, 2 children in their 20s
$1000 deductible
$20 regular doctor copay
$30 specialist
eye exams included
close to $1600 a month.
no group plan, no employer paid benefits.
10-19-2017 04:28 PM
Before I turned 65, which is almost 2 years ago, I was paying over $1000. And that was Kaiser an HMO.
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