For those with health insurance...

[momof1princess]

Anthem BC/BS....$25 GP, $40 specialist, $15 prescriptions, $100 ER copay. no news yet on how much it will go up for next year.

 

[StitchFanZ]

$25 copay on the first 6 office visits then we pay everything until our $5000 deductible is met. No vision or dental coverage.

 

[ugadog99]

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.

I have this HRA also. I thought about going back to the HMO, but the costs all seem to be about the same in the long run.

 

[Darcy03231]

DH's company is self-insured (union). Cost for health insurance is -0-. Its paid for by his dues and dues is based on his pay. We have health, RX, dental, eye, hearing and orthodontic insurance.

$20 co-pay for dr or specialist, no referral needed
$100 co-pay for ER unless admitted (or they determine it to be some kind of a true emergency, then -0-).
$1 for generic/$5 for name brand prescriptions
No deductibles
Weird fee schedule for hospital/x-ray/labs/etc. DD was really sick and we went to the ER. She wasn't admitted, but by the time she was done she had a CT scan, spinal tap, IV, meds, tons of lab work. Bill came to almost $5,000 and insurance paid everything but about $200
We get a free pair of eyeglasses/contacts and a free eye exam each year
Dental is 2 free cleanings a year and 80/20 for everything else
Free hearing exam each year and 80/20 for everything else
Ortho - they pay the first $2500 and we pay anything above that

 

[bigbabyblues]

No copays for us....we have a $4000 yearly family deductible and everything after that is 80/20. The best part? I work for a hospital.

 

[indimom]

$25 doctors visits, $17 prescrips

Not sure what Disneysix is referring to...our premiums have gone up every year for a l-o-n-g time.

Yep.

BCBS PPO high-deductible health plan with an HSA. We pay everything for the first $3100; they pay everything after that. Prescriptions go towards the deductible. There was a cheaper plan offered that was 80/20 coverage after the deductible was met, but because we expect to always hit the deductible this is cheaper for us.

We've already received next year's health insurance info; for the first time in years nothing is changing for us.

Our increase was almost insignificant for next year. You won't hear me complaining.

 

[DebbieB]

This year, it's $20 for PCP, $30 for specialist. None for preventative visits. Next year, it's $22/$33. Premium increase for next year - 6.5%.

 

[PrincessBree]

I have AVmed.
15 copay
25 specialist
50 ER
250.00 max for a hospital stay.
10-15 for meds

no deductible and all labs and yearly recommended test are included. Also they pay for any CT scans, MRIs, Etc.

Dental 1500 yearly
orthodontics 2500
free eye exam yearly
500 for materials and lenses yearly

 

[phorsenuf]

100% coverage, no co-pays, $8. prescriptions. Get my care through the VA.

 

[MushyMushy]

This year, it's $20 for PCP, $30 for specialist. None for preventative visits. Next year, it's $22/$33. Premium increase for next year - 6.5%.

Not a horrible increase! Ours doubled in one year and boy was that a shock to the system when that happened, especially when specialist visits went from $20 to $40. In order to get physical therapy for my neck, the insurance would only cover it if I went three times a week. Oh hello, who can afford a $500 hit for a couple of months! We also have a flex spending plan, so this year we raised it so I could get that neck taken care of.

 

[Jey12]

I want to be on most of your insurance plans!!!

Regular doc visits $35

Specialist $70

ER/urgent care $100

Surgery inpatient and outpatient $600

20% up to $1500 out of pocket not including copays.

Right now I pay $70 a month so not too shabby.


My company has been bought out by a larger corporate company. One would think better benefits?

Next month my premiums are going up to $180 a month w/

$750 deductible that has to be met before any benefits kick in.

$20 copays for all doctors seen.

$50 ER plus deductible.

After deductible has been met there's a 20% copay until you reach a $1500 out of pocket max for the year. It's blue cross anthem and I haven't heard great things about them. Kind of worried.

 

[kelleyrn2000]

Humana PPO through hubby's work (union).

Office visits/specialists: 50% (after $350 deductible met
typically is $45-60 oop per visit

ER/hospital 100%


Labs are covered 100% after deductible is met


Employer pays our premium.


Rx is $5 copay for generic, $10 for brand name.

 

[golfgal]

We have 100% coverage for everything but a $75 co-pay for an ER visit. Prescriptions are $12/formulary, and various prices for non-formulary. Our plan switches over in Nov and we will have $20 co-pay for everything except ER and I think that is $50. We have 100% coverage for all preventative care though (physicals, cancer screening, vaccinations, eye exam, etc.). Our current plan is $577/month, the new plan is about $260/month.

Just a reminder-the INSURANCE company isn't responsible for picking your plan, your employer is. Most companies with 100 employees or more are self-insured and just have an insurance company administer your plan. Your rate increases are most likely due to poor claims experience the previous year-meaning you have people in your office using the health coverage A LOT. You could have the same exact plan as another company and pay 60+% difference in rates.

 

[The Mystery Machine]

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.

Zero.

We opt for an insurance that has a higher deductible (2400) instead of a copay with no referrals and wide range of doctors.

Basically, we pay 300/month or 3400/yr for our insurance.

When we include dental and vision it adds up to 450/month.

No complaints here.

 

[j's m]

30.00 primary, 50 specialist all visits sick or well
2500 deductible per person, 5000 family
no dental or eye coverage
generic 15, brand 50%
labs at labcorp free, participating radiology free, but not in hospital

ER co-pay 100 but then the 2500 deductible kicks in, then 20%

We've never hit close to deductible until 2 days ago. I had a kidney stone and went to ER, had a CAT scan, etc. I can't even begin to imagine how much out of pocket I will be.

For the pleasure of this insurance, we pay $ 1600 a month.

 

[blanq]

We have a high deductible health plan with an HSA through DH's employer. We do not have a co-pay; we pay 100% of all services until we reach our deductible which is $2500 pp and $5000 per family. Our helath plan pays 100% once we reach that deductible.

 

[NEVERENOUGHWDW]

$25 doctor visits
$150 ER visits
meds between $10-$50

 

[PatsMom]

We have Cigna and have two options. We have the less expensive plan - although if we didn't have so many health issues we could switch to an HSA plan that is also available.

Our co-pay is $20 for an office visit with either our PCP or a specialist (no referral needed its a PPO type plan), $30 for urgent walk in care.

Emergency room is $50, waived if admitted but we pay 20% of the hospital bill until we reach the max out of pocket.

We pay 20% of most hospital and testing costs (CAT scan, stress echo, etc) until the max out of pocket is reached. This year with two surgeries for cancer I reached the max so I am trying to get as many chemo's and other tests done before the end of the year as my health can stand. I still pay the $20 co-pay each time I walk in the door even though I have reached the OOP max.

Prescriptions are $5 generic, $25 preferred formulary and $50 non preferred. Can do ninety days for two copays and are required to do so for maintenance drugs. Costs are going to $5/$30/$60 next year.

Our premiums are close to $1,000 per month for three of us through a retiree health plan. We have considered dealing with the VA - my husband and I both have service connected disabilities but don't want to have to deal with the paperwork unless we are forced to.

 

[candykisses]

We have BS/BS of TX

$20.00 Co pay office visit PCP or Specialist
$50.00 Co pay ER visit waived if admitted

100% for everything else in network

Prescriptions are 10% of generic cost and 20% of brand max OOP $25.00

Dental 2 Cleanings per year
80/20 Fillings
$1500 pp Braces

Eye $25.00 co pay
Pays for lens
$150.00 towards frames or contacts

I pay $64.00 per month

 

[sasywtch]

We have BS/BS of TX

$20.00 Co pay office visit PCP or Specialist
$50.00 Co pay ER visit waived if admitted

100% for everything else in network

Prescriptions are 10% of generic cost and 20% of brand max OOP $25.00

Dental 2 Cleanings per year
80/20 Fillings
$1500 pp Braces

Eye $25.00 co pay
Pays for lens
$150.00 towards frames or contacts

I pay $64.00 per month

$15 co pay for doctor visits
$50 ER (if admitted, waived)
$15 name brand RX, generic $5 (this is for 3 month supply)
Preventative free, mammograms, Lab, Xrays free
Hospital stays paid 100% by insurance

Delta Dental for insurance
2 free cleanings, 2 full xrays a year
fillings almost free but anything that makes your teeth/mouth look better they pay pretty poorly. I had 5 teeth knocked out years ago in a wreck. The bridge wears after years and has finally given out. Out of $10 thousand, Delta will pay $1000. I can't afford that let alone the individual implants for $25K. And the dentist always asks "why didn't you get this done sooner, you have insurance?" I'm lucky to have the filling, xray,cleaning insurance.

My vision insurance is free, pays for 2 exams a year and a pair of glasses or $35 toward more expensive type glasses.

If you show your spouse has insurance, you can elect the flex and not take the insurance and get an extra $100 a month on your paycheck.