How much do you pay for Health/Dental Coverage?

[sydneynoel]

We just re-newed our coverage for 2008 and it just seems to go up and up and up every year.....I remember at one time it was only about 200/month for our family coverage and now it's up to $350/month. We have pretty low copays and deductibles. I'm just curious if this is normal and what everyone else is paying. Thanks for sharing!

[CATCHMEIFYOUCAN]

about 27.00 a month for health and dental .. just me to cover
its cheap so if i get really sick i do pay quiet a bit out of pocket on top of the coverage so i hope i dont get that sick !

catchmeifyoucan

[MomIcantFindmy]

Family of 4

$38 month for medical insurance
includes all prescriptions
no copays

$100 month for dental
no copays


Military retired Tricare

[robivi3]

I was paying the following:
$478.00 for Medical per mo. no pre-existing stuff, no copay, no deductable (AvMed).
20.50 Dental

That is not including, AFLAC, Cancer coverage and long term/short term disability and legal insurance.

We switched from my plan to wife's plan (also AvMed, she works for the State, i work for the County) and pay only 180.00 for medical now plus my 20.50 dental. Benefit is less but even with the copays it does not equal what I pay.

That's 5 people.

[arkienurse]

As of 2008-
Medical 158 biweekly-----------
25$ copay, 100$ penalty if we use the ER and are not admitted. Hospital is 100% covered as long as I use the hospital I work at, or one of our sister hospitals if the service isnt offered at mine, in network, non Triad facilility--80% after meeting the deductible, 500 person, 1000 family. Non network facility, 40% covered after deductible. Not to mention the fact that if services are available at the Triad facility and I opt for either in network/non network instead, 2500 penalty before they begin coverage
Dental 24 biweekly
Eye 10 biweekly

Total of $192 every other week.

[CindyLou]

160 per month for me and hubby medical 10 copay primary md 25 specialty md
prescription 15 copay generic 25 brand

dental 24/month
pays 90% with 2500 per year max

these are through my employer and they are a HMO. We must use the hospital where I work at our hospital and the doctors on staff as our HMO.

[jennordhavn]

Currently I pay $31 biweekly for medical, $3 vision, $4 dental. This is just for me as my DF and kids are covered under other policies. My medical is a $15 copay and $10 Rx. Dental is free xrays, fillings and cleanings and no copay. Not sure the exact terms of the vision.

[tinroofrusted]

I have a private plan through Humana, and pay $50 a month, $35 ded.

[Minnymouth]

I am sooooooo lucky, have complete health coverage, $10 co-pay and $8 meds...... thats all I pay. Co pays all premiums for single and family plans... Also they carry 2 life insurance policies, dental, and glasses which we pay no premiums.

Am really lucky, got really good benefits..............pay no premiums, and low outta pocket expense....

[HRx]

Can't recall what my monthly premium is...but my employer pays for 90% of our benefits for an HMO and dental. Copay for office visits increased to $15 though.

[AMISLANDER]

My dental & health are through my work and it's just me on the coverage.

Dental is through Genworth Financial Group Dental and it's $22.80 per month. I've been going to the same dentist for the past 16 years because he is the best and also recently became president of the Dental Society in my area. He is not listed in my coverage book but even so, my general cleanings are around $80 and I get a check back for around $70. I just had my big xray/cleaning session which ran $220 (the yearly big one) and I received a check back for $185, which I didn't think was too bad for using out of coverage?

Medical is through Aetna HMO. The only doctor I go to is my GYN, who I've also gone to for 16 years. He delivered both of my sons and I also love & have great faith in him. That coverage is $48 per month as a single.

I guess my med/dental is not so bad?

I can't tell you the exact co-pays but if I remember correctly it's like $10/$25 something in that range.

Now, I do know, after going to the update session that once you add another person and a child it skyrockets to like $250/month on the medical WOW!

When we first moved to Florida and my xhusband was offered insurance through his practice, we paid, sit down now....$800 per month!

[JollyGG]

I used to pay 260 a month for medical family of 4.
Under hubby's new job it would be 520 a month for lousy insurance for four people. Under my new employer, for even worse insurance, but the same insurance company as hubby we would pay 380. The difference there is that my employer pays more of the premiums then his does. As a single on my plan it would be $105 a month, don't know about hubby.

I knew this company sucked and that was way way to much for to be charged for bad insurance coverage. But it's through work. What can I do?

Luckily Hubby's dental and vision is cheap through his work. We only pay something like $16 per month and his work covers the rest.

[DisneyGirl]

Nothing. We have a Self Directed Health Plan. Basically it costs nothing unless you use the insurance for something other than routine visits. Then you have to meet the deductible before they pay. It's great as long as you're healthy. Dental and vision are the same way. You pay nothing unless you need something other than routine check ups.

I'm not sure if it will stay the same in 08 or not. They are "reviewing" the medical coverage as we speak.

[Granny]

Hubby pays $283 per month for our coverage and we don't cover the kids, but if we did, it would be $466 per month for health only. Deductible is $2,000.00 per person with a max out of pocket of $6,000 for the family.

[Bandit]

I dont know how much I will be paying for sure. I know it will be around 200 to 250 for health & medical & about 25 a month for dental & I do not get much with that.