how much do you pay for health insurance?

[disfan07]

My husband pays with his life...active duty military.
BTW- I don't know why everyone is so keen to get in on governemnt managed hearthcare...it took me almost two months to get an MRI. My daughter has to wait until June to see an opthamologist, and we scheduled the appointment in March.

Because I have private insurance and it took me 3 MONTHS to get an appointment for a physical. 3 MONTHS to get a neurologist appointment. Ive been waiting 3 weeks so far to get a head MRI and I havent even gotten the form yet to call and set it up.

IF you were paying $5000 a year for insurance PLUS an addiitonal $20,000 in medical bills you would understand why some would rather pay out of taxes. We'd be paying less. But until you actually have to deal with that you will not understand.

 

[iheartdisney]

Because I have private insurance and it took me 3 MONTHS to get an appointment for a physical. 3 MONTHS to get a neurologist appointment. Ive been waiting 3 weeks so far to get a head MRI and I havent even gotten the form yet to call and set it up.

IF you were paying $5000 a year for insurance PLUS an addiitonal $20,000 in medical bills you would understand why some would rather pay out of taxes. We'd be paying less. But until you actually have to deal with that you will not understand.

yes, we are paying for it. My husband makes less than half what he could as a cilvilian. There is alot that I don't understand, but...
Do you understand sending a child to four different kindergartens in one year?
Do you understand talking about your friends by state or duty station rather than by last name?
Do you understand sweeping around a pair of boots for 2 months because he ledt them there by the door?
Do you understand what it is like to have to go seven months without watching he news because the first week he was gone you googled the base he was at and had a panic attack because three soldiers died that day, and you know he can't call you for another week?
Do you understand your husband leaving to catch a flight the same day you give birth, and he doesn't see his newborn daughter again until she is four months old?
Sorry o get so OT, but there is ALOT that most people don't understand about each other, and money is only a speck of it.

 

[BubMunkeyBles]

yes, we are paying for it. My husband makes less than half what he could as a cilvilian. There is alot that I don't understand, but...
Do you understand sending a child to four different kindergartens in one year?
Do you understand talking about your friends by state or duty station rather than by last name?
Do you understand sweeping around a pair of boots for 2 months because he ledt them there by the door?
Do you understand what it is like to have to go seven months without watching he news because the first week he was gone you googled the base he was at and had a panic attack because three soldiers died that day, and you know he can't call you for another week?
Do you understand your husband leaving to catch a flight the same day you give birth, and he doesn't see his newborn daughter again until she is four months old?
Sorry o get so OT, but there is ALOT that most people don't understand about each other, and money is only a speck of it.

Eh, I somehow doubt he could make twice as much as a civilian. My DH has 13 years in, a bachelors and almost a masters, we couldn't make twice even with that (and he has an aerospace degree) by the time we look at the healthcare costs, housing, utilities, pay, food etc etc. And yes, I know all the other stuff your talking about.

I do think my healthcare is better than most. I was diagnosed with cancer a little over a year ago. I am on Tricare Standard (opt to pay a little instead of taking everything for free to get seen on base or get referred out) and the most I can pay in a year is $1,000... for our WHOLE family. I got state of the art cancer treatments and bills that would have costed into the hundreds of thousands and I never even met my $1000 catastrophic cap. Get sick for real and you'll figure out how great your insurance is. Tricare was PAYING out $20,000/day of chemo... I don't even want to know what the co-share for most insurances are for that.

I also have spent the last year... one more year to go apart from my husband because he's stationed overseas in a job they need him for so can't come back (and I can't live there because I got sick). You really think because your husband is in the military your more entitled than others? Yes, our husbands make sacrifices I suppose, but for benefits that far exceed most work places. I know for a fact we have it better than most people and can say without a doubt we'd be screwed and filing bankruptcy if it wasn't for our medical insurance through the military. My husband missed the whole first year of our DD's life, will miss the second, and because chemo made my BC ineffective I'm pregnant AGAIN and he'll miss the first year of this childs life, I'm not complaining, you know this going into military life and you know the sacrifices.

Okay. Sorry so long winded. Just annoys me. People in this country are suffering bad because of inadequate and expensive healthcare. I will never understand complaining about the military and our FREE health care.

 

[dreamin_disney]

I was paying for dd and I. I work part-time

Blue Shield: $355.00 (party of 2 only)
Delta Dental: $ 55.26 for all 3 of us
Vision: $ 5.81 for all 3 of us
total: $416.07

Since getting married I switched to dh insurance

Blue cross $2??.00 for all 3 of us
Atena $15.00 i think
plus i kept my dental 55.26
vision 5.81

dh is still cheaper then what i was paying for 2 of us. if i was a single parent with one income i would not have been able to have health insurance. Luckily we have 2

forgot to add Dr. copays are $10 per visit
RX mine were $5 for generic and $10 for name brand

Dh's is better some are $less than $5 for generics and $10 for name brand

my dental is 100% up to $1500 per year per person dh's covers 70% since its 1st year $2000

vision covers exam and $100 toward frame

 

[vicky86]

$100 per month.

 

[Forevryoung]

$491 a month for an individual. My employer contributes nothing. It's a very small business (less than 10 employees).

I pay 20/40 for copays and 15/35/75 for prescriptions.

Definitely eats up a large bit of my check every month!

I'm quoting my own post several months later.

I started a new job at the beginning of April working for a large non-profit.

Once my 60 day waiting period is over (still paying above for now for COBRA) I will be paying

$0 premium
$20 copay in network
$2000 individual deductible out of network
I forget about the prescription plan (but doesn't cover bc due to association with Church)

One of my "non-switchable" doctors is out of network so I'll pay out of pocket for that till I hit the deductible (then 40%).

I don't know if the new plan is "better," so far it's simply cheaper (I spent 1/3 of my income last year on health care)

 

[iheartdisney]

Eh, I somehow doubt he could make twice as much as a civilian. My DH has 13 years in, a bachelors and almost a masters, we couldn't make twice even with that (and he has an aerospace degree) by the time we look at the healthcare costs, housing, utilities, pay, food etc etc. And yes, I know all the other stuff your talking about.

I do think my healthcare is better than most. I was diagnosed with cancer a little over a year ago. I am on Tricare Standard (opt to pay a little instead of taking everything for free to get seen on base or get referred out) and the most I can pay in a year is $1,000... for our WHOLE family. I got state of the art cancer treatments and bills that would have costed into the hundreds of thousands and I never even met my $1000 catastrophic cap. Get sick for real and you'll figure out how great your insurance is. Tricare was PAYING out $20,000/day of chemo... I don't even want to know what the co-share for most insurances are for that.

I also have spent the last year... one more year to go apart from my husband because he's stationed overseas in a job they need him for so can't come back (and I can't live there because I got sick). You really think because your husband is in the military your more entitled than others? Yes, our husbands make sacrifices I suppose, but for benefits that far exceed most work places. I know for a fact we have it better than most people and can say without a doubt we'd be screwed and filing bankruptcy if it wasn't for our medical insurance through the military. My husband missed the whole first year of our DD's life, will miss the second, and because chemo made my BC ineffective I'm pregnant AGAIN and he'll miss the first year of this childs life, I'm not complaining, you know this going into military life and you know the sacrifices.

Okay. Sorry so long winded. Just annoys me. People in this country are suffering bad because of inadequate and expensive healthcare. I will never understand complaining about the military and our FREE health care.

Do i think i'm more entitled? um, no, I have no idea where you got that from. In fact, I think alot of entitlements are uncalled for. What ever happened to enjoying the fruits of one's labor, it has become enjoying the fruits of someone else's labor. Many of my friends are shocked that I do not apply for school lunch reduction. Sorry, but I don't need the government to feed my kids, I can handle that.
I'm not only a military wife, I'm also a veteran. When is the last time a civilian had to put something in their body against their will? And now that I am not active duty, I have the right to free speech, and that includes the right to complain about having to wait 4 months and drive 2.5 hours to see an eye doctor.

 

[disney1990]

Because I have private insurance and it took me 3 MONTHS to get an appointment for a physical. 3 MONTHS to get a neurologist appointment. Ive been waiting 3 weeks so far to get a head MRI and I havent even gotten the form yet to call and set it up.

IF you were paying $5000 a year for insurance PLUS an addiitonal $20,000 in medical bills you would understand why some would rather pay out of taxes. We'd be paying less. But until you actually have to deal with that you will not understand.

I feel your pain. We have private insurance and I waited 4 months to see a dermatologist.