Home How much do you pay for medical insurance a month?

[Porridge]

I pay for private cos I get global coverage with it and I travel a lot. I think it''s about €250 per year or something like that.

 

[so cal girl]

Wow. This was kind of surprising for me. I never knew insurance could add up to be so much!

I only pay about $35 for myself for PPO. My deductible is only $200, with a $15 copay for office visits, which does not apply to prenatal visits (thanks goodness). I haven''t had any major illnesses, so all I''ve ever had to really pay is my deductible each year. We''ll see how great the coverage is when I have the baby, but it is "supposed" to cover 100%.

My DH works for a union job, and gets his medical totally covered, although I''m sure some of the cost is included in his union dues. He chooses to have HMO, with a $20 copay per visit, but he could also get PPO for free. According to him, he could add me and the baby to his insurance for free also, but we''ll have to see about that when the time comes. I never switched over to his insurance, since staying on mine was just so easy, and not that much money.

Even when my DH was self employed, he only paid about $250 a month for HMO. And that was for the high risk insurance, since he has a history of seizures.

 

[iheartscience]

I pay $65 a month for myself, but that includes expanded dental coverage and extended health care coverage (so if I want to, I can go to a doctor not in my plan). My plan is really good and relatively inexpensive-at my last job I paid about $110 a month for myself and that didn't include dental.

With my current plan, it would only be a little more to add my fiance once we get married (I think maybe $20-30 more a month), but he has great benefits at his work, too, so he's probably just going to keep his.

I do have copays but they're pretty low, and my prescription copays are crazy low-so much lower than my old insurance it's just insane! For example, I used to pay $50 for a tube of Retin-A and now I only pay $20!

ETA I just saw that you said not to include dental, fiery. The plans offered at my job automatically include dental although I do have expanded dental coverage because my teeth aren't that great!

 

[ImpatientOne]

We don't pay anything - the hubby is active duty military, so no premiums, no deductible, no copays. RX is covered in full if we have it filled at a military pharmacy and $3 if its filled at a civilian pharmacy...

 

[dianne]

DH and I have separate insurance policies thru our jobs. Mine is $240 month, DH is $52....big difference, huh?....and he works for a much smaller company, too.

When he lost his job last year his COBRA was $196 a month...and that was a very small locally-owned company with about 15 employees. I thought since there were more employees at my company there would be some kind of discount. Maybe it doesn''t work that way.

 

[iluvcarats]

DH is self employed.
We pay about $800 a month for the family.

 

[basil]

Medical insurance for me and my husband is covered by my employer 100%. They also cover my dental and "basic vision" which I think is an eye exam yearly and $100 towards glasses or something.

Prescription copays are kind of high ($35 for brand name); and I think office visits are $20 or $25 but I don''t remember cause I hardly use it

 

[Camille]

Too much

 

[icekid]

I cannot remember the exact amount, but PPO insurance for my husband and me through my hospital is something like $50/month. When I change jobs in a few weeks, my insurance is 100% covered. Perhaps this is what comes of working in healthcare?

 

[Hera]

My husband is in the military so it's 100% covered. It's a really nice thing to have I think we pay like $12mo for dental insurance.

 

[diamondseeker2006]

I pay nothing for mine, and I think my husband pays about $100 a month for covering our only child left at home. We''ve been incredibly fortunate with insurance, but we see that it is not going to be the same for our kids.

Ironically, our older daughter was checking rates for private insurance today, and for her age, it would be about $166 a month for the $2500 deductible and 70% coverage. Then to add maternity after she gets married, it was about another $230 a month. But before that time she''d really need to upgrade the plan to 80%, and it would be $500-600 a month with maternity.

 

[purrfectpear]

I think it''s around $30 for myself. That''s all inclusive dental, medical, vision.

 

[WishfulThinking]

While I was in college I was covered under my parents'' insurance plan. Adding me to my mom''s plan through her employer costs $200/month, small co-pays for visits and medications. However, because I graduated [two weeks ago!] I will no longer be covered by that insurance once my grace period of 6 months ends. That''s when it gets really complicated, because I have a pre-existing condition. It''s dreadful. Because I am at least for the meantime legally married to my wife, I am eligible to be added to the insurance she receives as a graduate student [one of the many benefits of being legally married...], but we can''t afford the over $6,000/year fees for me to be added, and on top of that, the insurance will not cover any expenses related to my pre-existing condition for two years. If I have a lapse between coverage they will not pay for it PERIOD.

If I didn''t have a spouse with insurance I wouldn''t be eligible for coverage at all. My pre-existing condition is bipolar disorder, which is on the list of conditions which insurance agencies usually reject outright; I couldn''t buy private insurance for myself. Actually, that''s not entirely true... when I was shopping around I did find ONE place that didn''t outright reject me. They offered me a plan that cost over $2,000 per month [for one person] with a several thousand dollar/year deductible.

I''m not feeling especially soft and fuzzy toward the US health care industry currently, I''m sorry to say. I''ll be uninsured starting Nov. 1st and paying out of pocket for meds and doctor''s appointments to keep myself sane [literally!]. I am just thankful I am moving to CA where it is at least less of a hassle to be uninsured; I am currently in MA and the system is a mess here.

 

[Lynnie]

Mine''s about $70/month for myself (PPO). I need to add DH, which will make it about $120 for the both of us.

 

[SapphireLover]

I voted that I don't have insurance because I am in the UK and we have the National Health Service. It is funded through National Insurance contributions which are taken out of my wages. I just checked my last pay slip and say I paid 233GBP (which is $386!) last month. That seems more than peoples monthly insurance in the USA.

Edited because I just realised that all of you on low rates have insurance subsidised by work.

I am sure my insurance in the USA would be sky high if not subsidised by work, Childhood asthma (and now adult asthma), year round allergies, a bleeding disorder, PCOS and family history of renal failure and transplantation would make me very pricey.

When I look at what I get for my money- it is really good. In the past year I have had fab genetic counselling, high quality renal consultants appointments, a great GP who is always there and never rushes you.

 

[Delster]

Date: 6/2/2009 3:58:57 PM
Author: Steel
DH and I pay €110 total per month for private health care.

IMO worth every penny.

We're about the same as this ^^^

An important thing about health insurance in Ireland that may affect our pricing is that we have risk equalisation so all of the policies here bear the same risk loading - it's acutally illegal in Ireland to refuse cover or to load a health insurance policy because of your medical history or your age (although there may be waiting periods for cover for certain conditions).

ETA - we also pay tax at source that goes to the public health system (part of it's paid by your employer and part by yourself, usually at about 4%), and we pay a 4% health levy that's supposedly a temporary measure in light of the recession.

 

[VRBeauty]

I pay 470 per month for an HMO, and my employer contributes about the same amount... that''s just for me. I was with a PPO for a few years -- it cost a little less and I had a greater choice of providers -- but changed to a HMO after deciding that I was taking on too much financial risk with the PPO. I work for a huge employer, BTW.

 

[isaku5]

Date: 6/2/2009 12:30:05 PM
Author: BizouMom
We pay $968 a month for my husband and myself.

YIKES!!!

We pay just under $300./month including medical (and dental). We would have had to pay more, but as a retired teacher we get better rates.

 

[indypitty]

I have phenomenal insurance and pay only $1.00 a year!!! That''s only 5 cents per paycheck. One of the perks of being a teacher!

We are expecting our first baby in December, so when the baby is added, it will obviously be significantly more.

 

[InLuv101]

$0.00 My employer pays 100%. This covers medical, dental and vision. I never use it though

 

[Haven]

Date: 6/4/2009 8:17:17 AM
Author: indypitty
I have phenomenal insurance and pay only $1.00 a year!!! That''s only 5 cents per paycheck. One of the perks of being a teacher!

We are expecting our first baby in December, so when the baby is added, it will obviously be significantly more.

That''s incredible! I''m a teacher, and I pay over $300 a month for our family PPO plan.
I''m in the wrong district!

 

[mimzy]

i pay $400 a month for me and my DH...which is a lot more than we used to pay...but i''m still not complaining that loudly!