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For those carrying their own health insurance, what are you paying?

Discussion in 'Other Off Topic Forum' started by REMIX, Aug 20, 2005.

  1. REMIX

    REMIX Two Time F1 World Champ
    Silver Subscribed

    I'm 37, a NS and I'm at $294.00/mo with a $1k deduct. No exisiting medical issues.

    This is outrageous. Call me crazy, but every time I see that direct debit, I want to flat out cancel my coverage. Any suggestions?

    RMX
     
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  3. icantdrv55

    icantdrv55 Karting

    Aug 13, 2005
    188
    Hartfordish, CT
    Full Name:
    Chris
    I'm 38, NS, healthy, and am paying somewhere around $480-ish (bookeeper writes the checks each time) per quarter. $2500 deductible.

    Currently with Fortis, but bounce back and forth between them and Golden Rule -- the company I'm not with always has lower rates to get me back aboard. As long as I have no health issues, I can keep making the move whenever the company I'm with gets too greedy.

    Medical Savings Accounts (where you're allowed to put away pre-tax $$ for deductible coverage & insurance kicks in once you've exhausted the deductible) are becoming popular and the plans have a lower premium. Not available in all states yet, from what I gather.

    I hate all insurance companies... they're almost as bad as the IRS. Don't get me started.
     
  4. Ike

    Ike F1 Rookie

    Nov 4, 2003
    3,488
    I don't know if it is the same type of thing as you guys have. I have a blue cross HMO but they recently upgraded me so I don't need referrals so that was a plus for me. It started out at $90 a month and over the past few years has gone up to about $200 a month. They have paid for all my MRI's, an outpatient surgery and a bunch of other tests after my wreck with no questions so I can't really complain about them. They also give me great prices for my prescriptions, and I buy a lof of them. I have not had anything serious to worry about but have thought about switching to something different incase I do. I've been told that once you end up staying in the hospital HMO's stop wanting to pay for things.
     
  5. dm_n_stuff

    dm_n_stuff Global Moderator
    Global Moderator Lifetime Rossa Owner

    Dec 10, 2003
    36,577
    The Sunshine State
    Full Name:
    Dave
    My family coverage PPO costs me over $1000 a month. Not sure of the exact number, but I think it is in the $1100 range.
     
  6. mchas

    mchas F1 Rookie
    Silver Subscribed

    Oct 5, 2004
    4,958
    Los Angeles
    Full Name:
    Mark
    I have a Blue Shield HMO (I think) and have the absolute cheapest plan. I'm 23 no issues, etc... and I pay $46/mo :) I think I have a $5000 deductible, but I've been to a doctor once in the last 5 years, so I figured what the heck.
     
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  8. Dave328

    Dave328 Formula 3

    Nov 24, 2002
    2,133
    New Orleans
    Full Name:
    Dave
    I have Blue Cross/Blue Shield PPO. 34,NS = $156.11 a month, 0 deductible WITH prior med condition. I guess I lucked out.

    Dave
     
  9. REMIX

    REMIX Two Time F1 World Champ
    Silver Subscribed

    Funny, but I was just checking my bank account today online and must have forgotten what the monthly payment was. I guess I'm living in 1995 where $100/mo was what I paid. I really got upset this morning when I "remembered" what I was forking over. I get a decent FCar on a HELOC for that. No wonder I don't have one yet.

    RMX
     
  10. Meister

    Meister F1 Veteran
    Silver Subscribed

    Apr 27, 2001
    5,374
    Duluth, MN
    Full Name:
    The Meister
    35 NS perhaps $2500 is the most I could pay out of pocket per year and I think I'm around $130/month.
     
  11. markymark360f1

    markymark360f1 Formula 3

    Dec 15, 2004
    1,260
    San Diego
    Full Name:
    Mark
    Kaiser, 199 per month $25 deductible.
     
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  13. Dcup

    Dcup F1 Veteran

    Jan 3, 2005
    8,503
    Between 2 Implants
    Full Name:
    Claude Balls
    1164 per month
     
  14. AKS

    AKS Formula Junior

    Apr 11, 2004
    357
    Sin City
    Same but mine is 190. I have had 3 MRI's and an outpatient knee surgery and more x-ray's then I want to remember. All without a problem.
     
  15. jsa330

    jsa330 F1 Veteran
    Silver Subscribed

    Oct 31, 2003
    9,384
    predestined
    Full Name:
    Scott
    For my wife and myself, she 53, me 55, what I made in salary my first year out of college.
     
  16. REMIX

    REMIX Two Time F1 World Champ
    Silver Subscribed

    Kaiser, huh?

    RMX
     
  17. Artherd

    Artherd F1 Veteran

    Jun 19, 2002
    6,588
    Bay Area, CA
    Full Name:
    Ben Cannon
    I think I just barfed up a lung.


    $200/mo here, 24 and no issues. It's enough to make me sick.
     
  18. scott61

    scott61 F1 Rookie

    Feb 11, 2004
    2,592
    North of Boston
    See some prices here that are making me jealous. My company uses A BC/BS plan called Blue value plus and singles are $459 and family $1204. As we really no longer offer insurance to newer workers most of our covered are older hence BC/BS considers us an "aging population" and very high rates.
     
  19. gougoul

    gougoul Formula 3

    Nov 25, 2004
    1,298
    Geneva, Switzerland
    In switzerland it costs me ~460 CHF/month (~350 USD), and a bit more for my wife.
    On top of that, you have a premium (300 CHF), and you pay 100 % for your dental care.
     
  20. SAFE4NOW

    SAFE4NOW F1 Rookie
    Sponsor Owner

    Aug 25, 2004
    4,008
    Dallas Texas
    Full Name:
    Steve F
    $319.mth

    Blue Cross / Blue Shield, I'm 34 and carry my 5 yr old son on the policy. $1500. deductible.

    Other than regular check up's , we have not needed to use it yet... < knock on wood >

    S
     
  21. Kds

    Kds F1 World Champ

    LOL.....you guys are lucky.....!!!!

    Come to "Kanaduh" where health care is FREE......!!!!

    Your personal income taxes are just 15-20% higher per annum and you have user fees as well as monthly $90 contributions to your provincial health plans account....oh yeah....my BLUE CROSS additional coverage for the FREE health plan is another $75 a month too.....so I pay $165 a month of defined health care premiums plus much more in taxes plus user fees.

    And....you can wait for years here for a small surgery.

    Socialists LIE AND STEAL.......anyone want to sponsor me so I can live in Texas and excape "Soviet Kanuckistan" ? You gave NO IDEA how good you Americans have it. You really do not.
     
  22. scott61

    scott61 F1 Rookie

    Feb 11, 2004
    2,592
    North of Boston
    I do, I almost feel like putting in a little thank you note when I pay my taxes in April. Is well worth the price to live in the greatest Country in the world
     
  23. Ric

    Ric Karting

    Dec 25, 2003
    239
    On the road..Conn
    Full Name:
    Ric N
    does any insurance company sell health insurance for me if I move from state to state every 6 month or a year at a time? I pay roughly 300 bucks a month thru my agency but I am thinking of buying my own insurance just in case I take a long break in between job and I want to be covered during my break. I have a permanent address but i don't exactly live there when I am working.
     
  24. scott61

    scott61 F1 Rookie

    Feb 11, 2004
    2,592
    North of Boston
    You could check out the COBRA law, Under COBRA your employer must covered you for up to 18 months after leaving but you must pay the full price.
     
  25. SrfCity

    SrfCity F1 Veteran

    Nov 1, 2003
    9,842
    Orange County, CA
    I've got BlueShield, 40+, $99 per mo. It's a $5K deductible and only for major stuff. When you think about it $5K is peanuts for something major and if you may never need to use it.
     
  26. mrdigital

    mrdigital Formula Junior

    Nov 1, 2003
    515
    Nashville
    I'm 37 and a NS and was paying $147 a month.
    I've been to the doctor 1 time in the last 8 years and that was for a check up.I'm in perfect health.I just called to see if i could lower my coverage and they wouldn't so i told them to cancel me.They came back and lowered it to $68 a month. The deductible is higher but it is still cheaper to pay out of pocket for a once a year visit.
     
  27. ferrarigtofan

    ferrarigtofan Formula Junior
    BANNED

    Sep 26, 2005
    510
    USA
    Family of three, mid 30s, $960/month through my wife's employer. Basically her first two weeks pay the health insurance the the next two pay for gasoline and food.
     
  28. LetsJet

    LetsJet F1 Veteran
    Owner

    May 24, 2004
    9,238
    DC/LA/Paris/Haleiwa
    Full Name:
    Mr.
    There is a serious disparity here between people paying <$100 pp and others paying >$400 pp..... What is going on?
     

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