how much does ins cost?

**nodmicks** · 12-13-2007, 07:13 AM

I've noticed increases in ins premiums seem to be a theme lately. Just out of curiousity how much is ins costing come Jan 2008?

Does your employer pay part?

Ours is going up $50 a week so about 216 a month. Total monthly cost about 378.

Employer pays 80% of the premiums

**nodmicks** · 12-13-2007, 07:26 AM

Soory I forgot to say HEALTH INS

**frugalfarmwife** · 12-13-2007, 07:27 AM

We're VERY VERY fortunate in the area of health insurance, until now the company fully covered it. It is now costing us $14.00 bi-weekly but the deductables have also gone up

Even the best policies are getting not so good now.

kj

**pammy** · 12-13-2007, 07:28 AM

Dh just started a new job last month, insurance kicks in after the 90 day probation. When it does they will pay 100%, even on me and dd (who's in college). Including dental and vision.

The pay isn't the best and at one point the hubby considered finding something else for more pay, but the benefits outweigh more pay by a bit, think he'll stay.

**MarshHen** · 12-13-2007, 07:31 AM

We have insurance/dental/eye/RX through hubby's job and he doesn't pay for his, but we pay $38 a week for me, so that's $152 a month. We have three Aflac policies through his work as well. One is a cancer policy which is $16 a week, emergency room policy which is $13 a week, and disibility insurance which is $16 a week. So altogether, we pay 332.00 a month for insurance. We do have Flexible Spending too, which helps alot on medical bills.

Since 15 yr. old DD was adopted through foster care, she is covered through state medicaid until age 18, and if she goes to college, we can put her on hubby's health insurance.

**nodmicks** · 12-13-2007, 07:33 AM

Pammy I agree good ins is worth a bit lower pay! You and Frugalfarmwife are very fortunate.

Our dental is another weekly charge. Only dh has vision.

**brainyblonde** · 12-13-2007, 07:36 AM

I pay $656 per month for family coverage - the lowest benefit POS plan and a PPO dental offered by my employer. This is my cost. The employer kicks in a dollar amount that about 80% of the individual cost for the lowest benefit plan. We are on a plan year that will renew 5/1/08. Actually, I am bringing home less $ this year than last because my salary increase didn't even cover the increase insurance cost. I was hoping my employer would offer a HSA, but they didn't.

**jamie79** · 12-13-2007, 07:40 AM

We are military so our health insurance is free. Dont get excitied though as there are things the ins company will not do. Dh has free dental too but for the family we have to pay.

**justpeachy92** · 12-13-2007, 07:46 AM

Where my dh works the insurance for him is payed by the company, to have me and the kids on there we pay just under $600 a month, that is for health, dental and vision. I have not heard about the insurance going up in Jan, I do know the boss was looking for a different plan because the plan they have now with the dental there are no in network dentists in our state, so it really doesn't save much money for dental work.

**MarshHen** · 12-13-2007, 08:00 AM

Yeah, we use network doctors too and we have none in our county, so have to travel to either Chatham, Liberty or Glynn counties for doctor, dentist or ER. Staying in the network does save $$!

**Nantahala** · 12-13-2007, 08:08 AM

I have a plan that is basically catastrophic with an HSA and FSA. I pay $118 twice a month for the insurance and then $50 a pay (down to $25 in 2008) to the FSA. I don't recall what my employer pays but they say it's more "cost effective" than the old PPO plan.

**MarshHen** · 12-13-2007, 08:15 AM

Originally Posted by MarshHen

Yeah, we use network doctors too and we have none in our county, so have to travel to either Chatham, Liberty or Glynn counties for doctor, dentist or ER. Staying in the network does save $$!

I will say though, they will pay in a life or death situation if you use a out of network provider. We faced this when we had our wreck and I had to be life flighted to a non-network hospital. They paid 100% and even paid for the life flight and ambulance as well, so I can't/won't complain. It is a pain though, having to travel so far for a routine doctor visit every time, but I make the most of the trips when I go to the "Big Towns," LOL.

**Squirt** · 12-13-2007, 09:41 AM

I pay $39 every two weeks. $25 copays. No dental (I choose not to- it's cheaper to pay myself.)

Our costs depend on our income, which I dislike. Do people who get paid more get sick more? This kind of sounds like the tax they put on electric bills to help low income people. Pretty soon, we will have to each choose a low income person to live in our basement.

**Neeley** · 12-13-2007, 09:48 AM

DH's company pays 100% for him. For DD, DS and I it is an additional $100 a month. That includes health, dental, eye, and prescriptions. We have great insurance. I cannot complain one bit about it. I love my insurance company and the customer service they provide.

My prescriptions alone are over $1000 a month. It is point of sale so I pay up front, come home and file it on the computer and have my money direct deposited back in my checking account within 4 days.

We also have a flex account and DH contributes the maximum each year to that - $5000. Between all of our co-pays, OTC meds (they started including these two years ago), glasses, contacts etc....we use every penny of it.

DH also has all kinds of other policies - cancer, long term disability, short term disability, life insurance, you name it he has it. He is a CPA and works in the accounting department for an insurance company so between policies offered by the AICPA (CPA professional organization) and his company he gets great rates on all of his policies.

**MarshHen** · 12-13-2007, 10:12 AM

Originally Posted by Neeley

DH's company pays 100% for him. For DD, DS and I it is an additional $100 a month. That includes health, dental, eye, and prescriptions. We have great insurance. I cannot complain one bit about it. I love my insurance company and the customer service they provide.

My prescriptions alone are over $1000 a month. It is point of sale so I pay up front, come home and file it on the computer and have my money direct deposited back in my checking account within 4 days.

We also have a flex account and DH contributes the maximum each year to that - $5000. Between all of our co-pays, OTC meds (they started including these two years ago), glasses, contacts etc....we use every penny of it.

DH also has all kinds of other policies - cancer, long term disability, short term disability, life insurance, you name it he has it. He is a CPA and works in the accounting department for an insurance company so between policies offered by the AICPA (CPA professional organization) and his company he gets great rates on all of his policies.

Yep, I forgot to mention that hubby contributes to the Fexible spending each year too and they also pay for all OTC meds. We make sure we use every penny of it as well. I love it! Between dh and myself, our RX meds only runs $30 a month which is the co-pay amount, so I just pay it when I have the prescriptions filled each month. If I had your RX bill, I would do the same as you.