How much is YOUR Ins. going up in January?

[KBoopaloo]

We just received our info this week and our premiums went up minimally (what they normally go up every year) -- about 4%. Our deductible per person went up by what it normally goes up, too -- about $20 (it's $625 per person or $1,250 per family). Out of pocket maximum = $6,250/$12,500. Our co-pays and co-insurance remained the same. Breathing a sigh of relief.

Just got my rates for next year and had pretty much the same as what you listed. Phew.

 

[queenbetsey]

well we were told none thing and have just gotten our new rate effective Nov 1, it went up 96.00 the plans they had us look at over the summer showed no increase at all but I was still expecting some kind of increase but not this huge

 

[*pixie*dust*]

My employer has really good insurance. It used to be 100% employer paid. Which in my industry was pretty rare an awesome. A few years ago we were required to pay 5% of the premium which was about $100 per month. Still a great deal. They told us this past week we would be now paying 15% of the premium (which increased) and our deductibles are going up. So in one year we are going from $100 a month to $327 a month with a higher deductible. That is significant for a lot of people because even with a good review and raise, many will be further behind next year than this year....

 

[meajuly5]

15.1% increase

 

[snarlingcoyote]

Well, we didn't just have Cadillac health insurance coverage before this - we had the Caddy with the plush leather seats and a V10 under the hood. This year, I would compare our insurance to a nice full-sized Sedan instead. It's got a V-6 and will get us there comfortably, so I can't complain too much.

And our insurance cost went down $50 a paycheck.

Now I'd much rather be tooling around in our Caddy insurance humming Bruce Springsteen under my breath, but I'm not going to complain about the downgrade.

 

[KaLyn]

No change in coverage and no increase in what we pay. Everything is staying the exact same! Wahoooooo!

Sent from my iPad using the DISBoards app.

 

[Mousemommy1]

The insurance options offered by the company I work for have slightly lower premiums this year and the coverage is a little bit better too! My family is on my DH insurance but I know my co-workers were psyched.

 

[scrapquitler]

Our current plan was cancelled, and I finally got the info for our 'new' ACA approved plan.

Our monthly premium is actually going to decrease by a little more than $200 (from $1658 to $1435). That sounds GREAT, right? Well. Not exactly. Our office visit copay is going from $20 to $30 which isn't bad, and our ER and Hospital stay copay is going to stay the same. The good news is we still won't have co-insurance, so once we meet our deductible, they will ay 100% of the bill. The main downside is that we will have a deductible, which was never part of our plan before this. $1500 PP/$3000 family deductible -- and the insurance pays nothing until we meet the deductible. So any savings on our monthly premium is potentially going to be eaten up by our new deductibles, if we have that much out of pocket. So I guess in all, it's about a wash for us.

The thing I still need to contact the insurance company and ask about is that it says out of network is not covered AT ALL, and that concerns me a lot because the plan information I have so far doesn't tell me what doctors are in my network, and I am concerned that it will leave us with a big problem if something happens to one of us while we are travelling (DH travels out of state for work fairly often, and we all travel out of state on a regular basis). In the past, if we had to go to an Emergency room or something when we were out of state, it was covered without a problem. So I'm still not sure if this plan they are offering me is really very good or not. I do know that it's better than the exchange plans I saw that cost almost the same amount.

 

[ncsastudent]

Mine is actually going all the way down to free after the tax credit. I'm shocked and obviously very pleased.

 

[wendow]

We still don't know all the details but what we do know is our premium is going up (currently just over $800 a month) and our coverage will be worse. Thanks Obama

 

[Robbi]

Well, we didn't just have Cadillac health insurance coverage before this - we had the Caddy with the plush leather seats and a V10 under the hood. This year, I would compare our insurance to a nice full-sized Sedan instead. It's got a V-6 and will get us there comfortably, so I can't complain too much.

And our insurance cost went down $50 a paycheck.

Now I'd much rather be tooling around in our Caddy insurance humming Bruce Springsteen under my breath, but I'm not going to complain about the downgrade.

We had a Mercedes and now we have a Chrysler but we're paying a Bentley premium.

 

[wdwmom0f3]

Can someone explain something. I just heard that when your current policy goes up by at least $5.00, or anything in the policy changes it's has to be cancelled. My concern is that when we have people who have not been effected by this THIS year, that may not hold true for next year. Is this right? . If so, we could have another mess on our hands this time next year.

 

[luv2mickey]

$25/paycheck, no changes to deductible or max out of pocket.

 

[j's m]

Our current plan was cancelled, and I finally got the info for our 'new' ACA approved plan.

The thing I still need to contact the insurance company and ask about is that it says out of network is not covered AT ALL, and that concerns me a lot because the plan information I have so far doesn't tell me what doctors are in my network, and I am concerned that it will leave us with a big problem if something happens to one of us while we are travelling (DH travels out of state for work fairly often, and we all travel out of state on a regular basis). In the past, if we had to go to an Emergency room or something when we were out of state, it was covered without a problem. So I'm still not sure if this plan they are offering me is really very good or not. I do know that it's better than the exchange plans I saw that cost almost the same amount.

From HHS.gov:

"Access to out-of-network emergency room services: In the past, some health plans would limit payment for emergency room services provided outside of a plan’s preselected network of emergency health care providers. Or they would require you to get your plan’s prior approval for emergency care at hospitals outside its networks. This could mean financial hardship if you get sick or injured while away from home. The new rules prevent health plans from requiring higher copayments or co-insurance for out-of-network emergency room services. The new rules also prohibit health plans from requiring you to get prior approval before seeking emergency room services from a provider or hospital outside your plan’s network."

The bolding is mine because I feel it's not what it says, it's what it does NOT say. Emergency room services are covered, but the plans in NJ that have no out of network hospitals do NOT cover out of network hospitals. So you can have a trip to the out of network emergency room but may not/will not be covered if you need to be admitted. This is really a grey area that is probably up to the insurance company.

Another thing I noticed is that some plans do not cover out of network emergency ambulances. Since a trip across the parking lot from the nursing home to the hospital is billed in excess of $ 600 for my DM, can you imagine a real ride in an out of network ambulance.

We're just seeing the tip of the iceberg in coverage and it doesn't look pretty for individual coverage or small group coverage. It's going to become a have/have not situation based on who you work for, which is what this law was suppose to avoid.

 

[daughtersrus]

Can someone explain something. I just heard that when your current policy goes up by at least $5.00, or anything in the policy changes it's has to be cancelled. My concern is that when we have people who have not been effected by this THIS year, that may not hold true for next year. Is this right? . If so, we could have another mess on our hands this time next year.

This is incorrect information. A family member of mine posted it on Facebook and started a huge debate. Funny thing is that he's been an insurance agent for about 30 years and should know the difference between copy and premium. I have a link that shows what changes will cause a plan to loose grandfather status. I hope posting the link doesn't violate the terms here.

http://www.familiesusa.org/assets/pdfs/health-reform/Grandfathered-Plans.pdf

 

[CrAzY4DL]

Ours is going up by $2700 per year which puts us at over $10,000 a year for insurance for my family of 5. Our copays are $90 to see a Dr, boo!

 

[njcarita]

day 45 of attempting to get rates thru exchanges and no go yet...... got the official your plan is being cancelled letter from my insurance company a week or so ago..................... tick tock........ thinking of going to all my docs before jan1........... just because i have NO idea whether i will have insuracne....... whether i will be able to afford the isurance......... first time in my 49 years i may be uninsured.......... crazy..... and disheartening........

 

[Gumbo4x4]

Ours is going up by $2700 per year

So, basically the cost of a budget Disney trip.

 

[aprilgail2]

day 45 of attempting to get rates thru exchanges and no go yet...... got the official your plan is being cancelled letter from my insurance company a week or so ago..................... tick tock........ thinking of going to all my docs before jan1........... just because i have NO idea whether i will have insuracne....... whether i will be able to afford the isurance......... first time in my 49 years i may be uninsured.......... crazy..... and disheartening........

We just got a letter from the place that my mom gets her prosthesis from that it wont be covered starting next year- but pregnancy for my 85 year old mom would be covered. This is nuts.

 

[aprilgail2]

Another thing I noticed is that some plans do not cover out of network emergency ambulances. Since a trip across the parking lot from the nursing home to the hospital is billed in excess of $ 600 for my DM, can you imagine a real ride in an out of network ambulance. .

I never heard of people paying for ambulances until on these boards. Here you just fire dept and the ambulance comes- its all part of the fire dept which is volunteer. No bill comes.