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Posted: 2/7/2002 10:49:33 PM EDT
[#1]
Welcome to Texas. It's probably a right to work state, too, isn't it? :)
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Posted: 2/7/2002 10:52:24 PM EDT
[#2]
Yeah, mine did too LT. I work for a small co. I was paying $90 bi-weekly.It just went up to $119 bi-weekly. $25 copay at the doc's! Has a very high catostrophic cap though something like 5 mil.! Probably get ya a transplant if ya needed it. The Dr's really pork it to ya on those.It sucks but ya gotta have it these days. Cost hundred bucks to swing the door open in an emergency room! No dental or vision Ins. I prolly couldn't afford it anyway. Hang in there it's got to get better cause it sounds like it couldn't get worse.[shock] I hate droughts..
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Posted: 2/7/2002 11:10:11 PM EDT
[#3]
Right before I was layed off in July, our PPO premiums increased about 20%. The guys with families were charged $300/month with $10 co-pays for office visits and medication (medication is covered, as is dental and vision). Just last month it went up another 20% to close to $400/month for PPO coverage for the entire family. And the co-pays increased to $15.
So, the guys at my old company are paying $400 a month out of their check! It doesn't make a difference of you have one child or 5, they charge you "per family". $400! After I was layed off, I signed up for COBRA for myself and my wife and that was $561/month. We kept it for 6 months so it would cover the birth of our daughter. The c-section was $55,000, with our share being about 2%. Lucky we kept the insurance. :) So, last month when I went to add my daughter to the PPO, they informed me that the coverage would increase to $980/month, so I just cancelled it. At that rate I can afford to be self-insured. So, this is the first time I've been without health insurance since 1987. Oh well. Happy, happy days! |
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Posted: 2/7/2002 11:10:22 PM EDT
[#4]
Quoted: Welcome to Texas. It's probably a right to work state, too, isn't it? :) As opposed to the Soviet of Washington, Worker's Paradise, where insurance costs have gone up 300% (from $92 to $368) in the last six years? And where insurance companies stopped offering private insurance because the Workers' Paradise's Insurance Commissar was driving them bankrupt? Comrade Boomer, you are a most excellent baiter of the running-dog capitalists! You shall receive an extra ration of vodka for your efforts! |
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Posted: 2/7/2002 11:39:31 PM EDT
[#5]
Quoted: Right before I was layed off in July, our PPO premiums increased about 20%. The guys with families were charged $300/month with $10 co-pays for office visits and medication (medication is covered, as is dental and vision). Just last month it went up another 20% to close to $400/month for PPO coverage for the entire family. And the co-pays increased to $15. So, the guys at my old company are paying $400 a month out of their check! It doesn't make a difference of you have one child or 5, they charge you "per family". $400! After I was layed off, I signed up for COBRA for myself and my wife and that was $561/month. We kept it for 6 months so it would cover the birth of our daughter. The c-section was $55,000, with our share being about 2%. Lucky we kept the insurance. :) So, last month when I went to add my daughter to the PPO, they informed me that the coverage would increase to $980/month, so I just cancelled it. At that rate I can afford to be self-insured. So, this is the first time I've been without health insurance since 1987. Oh well. Happy, happy days! |
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Posted: 2/7/2002 11:45:34 PM EDT
[#6]
Hmmm... Mine went down a couple of bucks a month.
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Posted: 2/8/2002 12:30:31 AM EDT
[#7]
$10.50/week med
$5.50/week dental [:D] Several years ago I went from a large company where I was paying even less than that to a small company that cost 3 times as much and the coverage wasn't near as good. So I bitched,then I bitched some more, didn't do any good. Then the lady in charge of that type stuff quit. The lady that took her place said WTF!! Next thing you know we've got cheap, good ins. She also straightened out our losing its ass 401k. The moral of the story is that the people that work in the office need to do their jobs too. On the whole medical costs seem to be increasing at an alarming rate while inversely quality of care is going to the dogs. FWIW you might try seeing if a couple companies in your area could get together under one plan. Saves them money and saves the ins.co. money. |
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Posted: 2/8/2002 2:38:29 AM EDT
[#8]
Quoted: Quoted: Right before I was layed off in July, our PPO premiums increased about 20%. The guys with families were charged $300/month with $10 co-pays for office visits and medication (medication is covered, as is dental and vision). Just last month it went up another 20% to close to $400/month for PPO coverage for the entire family. And the co-pays increased to $15. So, the guys at my old company are paying $400 a month out of their check! It doesn't make a difference of you have one child or 5, they charge you "per family". $400! After I was layed off, I signed up for COBRA for myself and my wife and that was $561/month. We kept it for 6 months so it would cover the birth of our daughter. The c-section was $55,000, with our share being about 2%. Lucky we kept the insurance. :) So, last month when I went to add my daughter to the PPO, they informed me that the coverage would increase to $980/month, so I just cancelled it. At that rate I can afford to be self-insured. So, this is the first time I've been without health insurance since 1987. Oh well. Happy, happy days! They only porked me for around 2%, but that was enough. $55k for a four day stay! Is that amazing? And the one night I had to go home and get some sleep, the nurses gave me the evil eye for not staying to help my wife with the baby. They have people on staff to handle that, and had I known how much it would cost I'd of slept every night. Anyway, I was amazed too. Thank God I didn't have to pay it. Anyway, they pork people with insurance to make up for the trauma center, which services anyone, insured or now. I don't have a major problem with that. Perhaps I should? |
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Posted: 2/8/2002 3:57:39 AM EDT
[#9]
By Jan 1 this year, we had laid off half our employees. The other half had to take a 12.5% pay cut. Then for Feb, our insurance company wanted a 36% rate hike, for both increasing costs and fewer employees. We negotiated with them and ended up paying a little more each pay period with fewer benefits i.e. higher copay, higher deductible, and higher Rx costs. Since I have to have family coverage, I pay over $120 per pay period ($240/month). To put it simply... this sucks.
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Posted: 2/8/2002 4:01:59 AM EDT
[#10]
insurance prices are pretty heavily regulated.
the problem is that there is too much involvement by the gov. ever wonder why you don't see menues with prices for procedures in a dr.'s office. interefere with the free market and it now costs $400 to have somone grab your nuts and tell you to cought. |
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Posted: 2/8/2002 4:21:43 AM EDT
[#11]
Yup went up the first of the year-$224/month for individual HMO (grrr) policy AND dental is not even available anymore.
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Posted: 2/8/2002 4:36:58 AM EDT
[#12]
Well, for me and my family I'm paying $285 a month for Med and Dental. Sucks, but thats life.
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Posted: 2/8/2002 4:44:59 AM EDT
[#13]
Thanks guys [:D] Seeing how much other people are paying throughout the country makes me feel better. I'm still broke though. [:(]
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Posted: 2/8/2002 4:47:30 AM EDT
[#14]
We've got health ins through United. It went from $62 a pay period to $75 for a family. We pay $10 copay on regular office visits and on drugs we can can go to a mail in for three months @ $40 for all the drugs we can eat or go by drug and it's 15 or 10 depending if it's brand name or generic.
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Posted: 2/8/2002 4:59:01 AM EDT
[#15]
Yep, our work just renewed our policy and our rates went up, so did copays and deductibles......[:(!] those fu*king bastards....
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Posted: 2/8/2002 5:04:38 AM EDT
[#16]
Lordtrader,
It could be worse! Try owning a small business and getting affordable coverage. I have a wife and two small kids, and my premium is $750.00 per month!!!! I am paying $9K for insurance a year! That represents close to a 1/4 of my yearly net income. john |
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Posted: 2/8/2002 5:56:01 AM EDT
[#17]
Since there is no such thing as paying same or lower med insurance rates, your question is tautologous. Who ever heard of NOT paying higher insurance rates? [;)]
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Posted: 2/8/2002 5:56:46 AM EDT
[#18]
Tiered prescriptions
$20, $40 and $70!! Multiply that times the 10 plus scripts my wife needs each month........... |
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Posted: 2/8/2002 6:08:58 AM EDT
[#19]
Gee, those national health insurance proposals start to make more sense, now, don't they? We're always complaining about "socialized medicine". Perhaps someone who can comment intelligently might like to describe for us the arguement for this type of approach?
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Posted: 2/8/2002 6:29:50 AM EDT
[#20]
Quoted: Since there is no such thing as paying same or lower med insurance rates, your question is tautologous. Who ever heard of NOT paying higher insurance rates? [;)] OK let clarify that. A higher premium than that paid last year. [;)] |
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Posted: 2/8/2002 6:33:26 AM EDT
[#21]
So, LT, has the move been worth it?
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Posted: 2/8/2002 6:51:27 AM EDT
[#22]
try $710/mo., when it all comes out of my check. Family income is less than $30K/yr with 3 kids, so that makes it hard to live on. It was just $635/mo. last year.
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Posted: 2/8/2002 7:16:10 AM EDT
[#23]
Quoted: Well, for me and my family I'm paying $285 a month for Med and Dental. Sucks, but thats life. The Evil Emire of NJ is the worst. $540 a month: no drugs, dental or office visits. |
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Posted: 2/8/2002 7:29:20 AM EDT
[#24]
Well, I just got my new info:
[b]70% increase[/b] this year! 4x increase for employee & spouse. companies are trying to shed the spouse. employee & children don't get hit too bad. so even if you want your spouse to stay home and not work, you can't afford the insurance. |
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Posted: 2/8/2002 8:03:24 AM EDT
[#25]
$794 per month.
But I'm VERY happy with my insurance. They paid nearly $300,000 in claims last year for my son's medical condition. Even now, he gets one shot per month at over $1,500 per shot. To me, $794 is a bargin. |
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Posted: 2/8/2002 8:54:47 AM EDT
[#26]
Quoted: $794 per month. But I'm VERY happy with my insurance. They paid nearly $300,000 in claims last year for my son's medical condition. Even now, he gets one shot per month at over $1,500 per shot. To me, $794 is a bargin. |
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Posted: 2/8/2002 9:13:57 AM EDT
[#27]
Ever notice all the the shrines med insurance and HMOs are building for themselves lately? They fill'em full of high paid people doing nothing but blaming doctors for the high cost of medicine.
At the end of day very little of that money goes to your treatment. Most back to insurance for liability and claims processing. This mess is ripe for overhaul. |
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Posted: 2/8/2002 9:19:39 AM EDT
[#28]
Quoted: So, LT, has the move been worth it? Well I don't know yet....so far here's the pros and cons. You guys decide: [b]Pro's[/b] Awesome political climate Very Gun friendly state. Hell just about everyone I know, work and neighbors included, owns at least 2 firearms. Tad bit lower cost of living. No state income tax [b]cons[/b] Job market sucks if you're a bond trader and wanna stick to that profession. Lower income. Womenz don't seem to like me and find me hideous or something. No nearby snow skiing or beaches comparable to SoCal. Hi insurance rate (talking about car and medical) THE COMPANY I WORK FOR SUCKS RAW SEWAGE!!! |
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Posted: 2/8/2002 9:21:02 AM EDT
[#29]
Quoted: Ever notice all the the shrines med insurance and HMOs are building for themselves lately? They fill'em full of high paid people doing nothing but blaming doctors for the high cost of medicine. At the end of day very little of that money goes to your treatment. Most back to insurance for liability and claims processing. This mess is ripe for overhaul. All the infighting drives costs even higher than the old system of "doctors make the decisions". And the care is worse, too. "Such terrible food! And such small portions!" |
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Posted: 2/8/2002 9:25:15 AM EDT
[#30]
Quoted: $1,500 for a shot...now that is vulgar too! We pay taxes so grants can be given to develope drugs so the drug companies can charge us that kind of money for a shot! There's always a tradeoff -- broke and alive, or leave behind a large estate? Various people in my extended family have made both choices. The worst case was burning through everything and dying anyway. . . . |
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Posted: 2/8/2002 9:27:19 AM EDT
[#31]
Single, self-employed, good health, decent deductible, almost no claims: went from $250/month to $290 at the beginning of the year. Will probably switch insurance carriers.
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Posted: 2/8/2002 9:30:08 AM EDT
[#32]
It will only get worse, pharmacy costs go up every year,Health Care Workers who do the bedside care are extremely underpaid, take a look at the Nursing shortage. Physicains are tired to dealing with insurance companies which dictate how patients are treated. Really Physicians are not the culprits here. Health Care Crisis is an understatement.
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Posted: 2/8/2002 1:07:48 PM EDT
[#33]
Quoted: Quoted: $794 per month. But I'm VERY happy with my insurance. They paid nearly $300,000 in claims last year for my son's medical condition. Even now, he gets one shot per month at over $1,500 per shot. To me, $794 is a bargin. The drug is called Cynogist (sp?). It is a derived anti-body that has protected my son from a virus called RSV. RSV is a common type of flu virus that all children get by the age of 5 years. My son will get RSV at some point in the next 5 years, but if he gets it this year, there is a good chance of hospitalization or worse. If the insurance did not cover it, I would sell my class III guns to pay for it. IT'S THAT IMPORTANT! Cynogist is one of those bio-tech miracles. As to the cost of new drugs: Maybe if it didn't cost $250 million dollars to get a new drug through FDA testing, maybe they would be a little less costly. |
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Posted: 2/8/2002 2:15:44 PM EDT
[#34]
$1040 per month for an HMO where I have to get my doctors permission to see any kind of specialist. $30 copays. Due to the onerous regulations in this state, there are only two insurance companies offering individual plans and they are priced within a few dollars of each other per month. Group plans are only marginally less.The plans they offer are virtually identical.So much for free enterprise in regulated environment. Being self-employed and health conscious, I would prefer a catastrophic type policy with a very high deductible except they are not available in this state. Also the doctors and hospitals charge the insurance companies less than they charge you if you are a self pay, typically one third less. Plenty of blame to go around.
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Posted: 2/8/2002 6:22:23 PM EDT
[#35]
For family, medical just went from $130 a month to $350 a month. Dental from $20 to $140. Was pretty angry about it until reading what some of you guys pay. Still, pretty much the difference in price is what the company is not covering anymore, GGGGrrrrrrr!
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