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Honored Contributor
Posts: 9,139
Registered: ‎04-16-2010

Re: Your monthly cost for health insurance?

[ Edited ]

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.

 

 

Honored Contributor
Posts: 10,571
Registered: ‎03-09-2010

Re: Your monthly cost for health insurance?

@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.

Respected Contributor
Posts: 2,124
Registered: ‎07-05-2012

Re: Your monthly cost for health insurance?

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.

 

 

Occasional Contributor
Posts: 13
Registered: ‎07-26-2011

Re: Your monthly cost for health insurance?

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.   

Honored Contributor
Posts: 13,913
Registered: ‎03-10-2010

Re: Your monthly cost for health insurance?

 

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

hckynut(john)
Honored Contributor
Posts: 18,504
Registered: ‎05-23-2010

Re: Your monthly cost for health insurance?

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.

Life without Mexican food is no life at all
Honored Contributor
Posts: 8,988
Registered: ‎05-15-2016

Re: Your monthly cost for health insurance?

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. 

 

 

Esteemed Contributor
Posts: 5,388
Registered: ‎07-20-2014

Re: Your monthly cost for health insurance?

I pay around $400, not sure of the exact amount, between Medicare, Senior Advantage Plan, and dental insurance, for just myself.

Honored Contributor
Posts: 38,524
Registered: ‎03-09-2010

Re: Your monthly cost for health insurance?

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.

 

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"I would prefer even to to fail with honor than win by cheating." - Sophocles
Valued Contributor
Posts: 956
Registered: ‎03-09-2010

Re: Your monthly cost for health insurance?

Before I turned 65, which is almost 2 years ago, I was paying over $1000. And that was Kaiser an HMO.