For those with health insurance...

[MushyMushy]

How much are your copays?

We have BC/BS and to see a general practitioner, it's $20 and for any specialist it's $40. ER visits are $75, but the hospital gives a discount for paying cash then and there. Well, I assume they do -- I've been there for urgent care and they gave a discount for that.

 

[dismichelle]

$35 for sick visits to a doctor or urgent care
$50 for annual physicals, as well as women's check-ups

$100 for ER visits, plus 20%

 

[SC Minnie]

$20 copay. $8 for generic presciptions or $20 for name brand. Our yearly physicals are covered except for labs. For dental 6 month check ups are covered at no copay

I pay less and $100/month for family coverage through my company. One of the reasons I have been here so long and don't plan on leaving anytime soon.

 

[JustineMarie]

$10 for regular/specialist visits. $35 for emergency room. $5 for name brand, $3 for generic.

 

[gillep]

We have no copays through our United Healthcare plan we are just billed after the fact for any services until we meet our deductable. Preventative care is covered @ 100% no deductible, and everything else is 85% covered after the deductable is met.

 

[Pakey]

$15 copay for office visits.

20% of tests, hospital stays, etc.

$25/$40/$90 on prescriptions

 

[jsmith]

Tri-care prime-no co pays-when we go to reserve select in january it pays 80/20 except in the military treatment facility where there is a 20 dollar co pay

 

[barkley]

IF (and that's a big if these days) we can find a preferred provider, it's $10 for most stuff and 10% for some others. if not, then we have to have met our deductable and then we pay 30% of the rate the insurance company thinks is reasonable. i think e/r is $50 preferred or non preferred on top of the other costs.

perscriptions are $5 unless it's some realy odd ones, in which case it can be $20, but i've yet to encounter one of these (thankfully).


they keep eliminating more and more providers, so the cost for us goes up and up. but we don't have a choice-it's the only plan offered (begrugingly) for out of state retirees from the gov. agency i retired from.


btw-the cash discount would not fly for us. our policy strictly reads that if any discount is offered it has to be passed on to the insurance company (so if a 10% cash discount is offered and the patient takes advantage of it, the company will reduce what they paid by 10%, and they are notorious for going back and doing adjustments on claims once they get the data from the provider). they go so far as to say in the policy that if a person, absent having their insurance coverage could qualify for any kind of gov. or charitable funded coverage for a procedure/treatment-the insurance will not cover it (so when dd went to shriner's, who ONLY uses insurance if something is needed they don't have the ability to provide for, and even then if you don't have insurance they use their limited funds to cover-my insurance company despite the non shriner's provider being a preferred provider would not pay and let shirner's pick up the tab).

 

[Golf4food]

$25 for primary
$50 for specialist (no referrals needed)
$100 for ER

 

[beck0321]

$15 for primary
$25 for specialist or after hours (no referral)
$100 for emergency room
up to $300 for in-hospital stay

50% up to $50 for Rx

 

[hentob]

$10 for regular/specialist visits. $35 for emergency room. $5 for name brand, $3 for generic.

We are the same.

 

[JayhawkMomma]

$25 for primary
$75 for specialist
$50 for urgent care
$250 for ER
$500 deductable per person in network.

For this we pay almost $800 per month. Blah.

 

[4nana]

CIGNA, $600 deductible yr, 20% of drs/hospital bill, once reaches $2,000. out of pocket pays 100%, scripts are $10./30./55., 90 supply less expensive via mail.

DH retired 9 yrs ago with a descent pension pkg, however with all the cut backs and new ins rules for 2011 HNY is dropping all retirees ins.

He has Medicare/VA, but we are in process of finding a descent supplimental ins., needless to say it's all new and a tad bit overwhelming at this age
and we need to meet w/Dept of Aging for advise.

 

[TheBigBadWolf]

$20 for primary
$20 for specialist (no referrals needed)
? for ER - I can't remember. I've never had to go.

 

[bettymae1121]

BCBS of IL. $10 dr.'s office (even specialists though you need a referal first), $50 for ER (waived if admitted) and $10 for prescriptions. Those are our only OOP expenses, we have $0 deductable and insurance covers 100% of all costs.

My DH is diabetic and we get a 90 day suply of Lantus worth $1500 for $10. DH had a $20k emergency room visit in July and we only paid the $50 ER co-pay.

My company pays a boat load of $$$ for such a good plan, and I am VERY thankful for such good coverage.

 

[dodukes]

Jeez all these sound better than mine. My insurance just pays $50 towards my bill and i pay the rest. This is bc/bs.

 

[HelenePA]

20/80 plan up to 1500$ OOP for the year then 100percent. 10$ scripts. No referals for specialist needed (love this!)

We pay 38$ a week towards our plan.

 

[msjprincess]

Anthem BC/BC

$10 for sick visit or specialist
$0 for well visits
$50 ER
$150 if admitted to the hospital

we don't pay anything towards our insurance

 

[locolala]

Tricare here as well, we pay nothing.

 

[mjkacmom]

Aetna - $30 regular, $45 specialist, $100 ER, I believe. DH has been with the same company for almost 20 years - copays started out at $5, and have gone up pretty every year for the last 8 years or so.