Health Insurance

Discussion in 'Teacher Time Out' started by JaimeMarie, Mar 23, 2010.

  1. JaimeMarie

    JaimeMarie Moderator

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    Mar 23, 2010

    What do you pay a month for health insurance?

    I pay $48 for me and $200 for my husband. Dental is free for me and $32 for my husband a month. So for a year we pay about 3,360 dollars.
     
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  3. Major

    Major Connoisseur

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    Mar 23, 2010

    Jaime, we pay a lot........ don't know just how much. But with the health care bill just passed by congress .... maybe health insurance will be completely, totally free..... (of course someone is going to pay for it through increased taxes):whistle::whistle:

    Major......:hugs:
     
  4. KinderCowgirl

    KinderCowgirl Phenom

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    You know I had to look mine up because I didn't know offhand, but was curious after seeing so many numbers flying around.

    Mine for just me is : $136 per month so $1632 per year. I don't opt for the dental because I really like my dentist and she isn't covered by my plan. I do pay an additional $28/month for extra cancer coverage.
     
  5. MuggleBug

    MuggleBug Companion

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    Mar 23, 2010

    Uncle Sam pays for our health care since DH is in the military. I use TriCare Standard so that I can see doctors off base, though, so I am responsible for a $150 deductible and I think 20% co-pay (up to $1,000/year) for any visits that aren't considered wellness visits. In addition, I pay $12/month for dental coverage.
     
  6. MsMar

    MsMar Fanatic

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    I have coverage through dh and he pays nothing for family coverage for medical, prescription, dental and vision. Their contract was recently renewed and it did not include payment for health coverage so we're set for at least 3 more years. My district also offers full coverage at no cost, but our contract runs out this year and there most likely will be a change to this.
     
  7. TiffanyL

    TiffanyL Cohort

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    Mar 23, 2010

    Question for ya....for those of you listing how much you pay.....is this your premium after your school district picks up the rest or is this a personal insurance plan that you pay entirely for?

    Thanks!
     
  8. Chrissteeena

    Chrissteeena Companion

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    Mar 23, 2010

    Personal Insurance… it's 77 a month premium. 5 visits a year at 40 primary and 50 specialist co-pay. After that the visits come out of the deductible which is 5000. But my physical is a 40 copay waived deductible and other periodic exam is free. =) Oh and I will only have to pay 20 for my medicine… I pay 60 a month now. So that makes it worth it =) lol
     
  9. Ima Teacher

    Ima Teacher Virtuoso

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    Mine was free until last year, and I had to start paying $25 a month. In January it went up to $27.50 a month. I don't buy DH's through work since it's less expensive to get a similar policy through a company that sells to individuals. His went up to $268 a month in January.

    My mom finally found a company to sell her insurance . . . for almost $600 a month. Dad's company had 100% coverage for all employees and their families, but they dropped coverage without telling the employees. By the time they found out, the coverage had lapsed for close to a year. Dad couldn't get insurance at all due to medical issues, but fortunately he had VA coverage until he was old enough for Medicare. Mom isn't old enough for medicare until almost 2 more years. Most companies wouldn't insure Mom at all since she has epilepsy. One offered her coverage for $1400 a month. She took the cheapest one at almost $600.
     
  10. Caesar753

    Caesar753 Multitudinous

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    Mar 23, 2010

    The basic plan is free, but I upgraded to the platinum plan for me and my husband. I think I pay around $200/month for both of us for the upgraded plan and full vision and dental.

    This is just the part I pay. I'm not exactly sure what the district pays on my behalf.

    The nice thing is that our plan covers 100% of prescriptions, as long as they're generic. I have one medication alone that costs the insurance company around $3,600 per year, so $200/month is a very good deal for me.
     
  11. Ms. I

    Ms. I Maven

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    About $125/mo.
     
  12. lilmisses1014

    lilmisses1014 Comrade

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    I pay around $380 for my husband and me, plus an additional $16 for dental (just for me). Next school year, we're going to deal with a 12.5% increase.

    ETA: I should add that I have the more expensive health plan. Thank goodness I went with that plan, too, as I had a major health scare this past fall/winter. I don't plan on selecting the other plan during open enrollment, even though it is a bit cheaper.
     
  13. bros

    bros Phenom

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    My mom pays $16 a week for medical + dental for our family of four. And it is a PPO
     
  14. PCdiva

    PCdiva Connoisseur

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    Wow! It really puts into perspective how much people pay for healthcare in different parts of the country.

    Since I am a sub I am not covered, HealthyNY has insurance for $300/month but you need to prove poverty to get it and as a sub I "Make too much money" what a joke!

    I guess I just need to Hope for the best until I get a permanent position!
     
  15. FarFromHome

    FarFromHome Connoisseur

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    Mar 24, 2010

    I'm not exactly sure what mine costs. My husband is military, but the school district still requires that everyone has the school district's health insurance. So basically, unless it's something major, I never have to pay anything to go to the doctor or dentist. My two insurances will pretty much pay anything. Prescriptions are free for me on base also. But I don't have my husband on my plan since he is covered by the military.
     
  16. Irishdave

    Irishdave Enthusiast

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    I pay $484.61 per month just for me
    But my retirement pays $150 of it
    So My total is $334.61
     
  17. KinderCowgirl

    KinderCowgirl Phenom

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    Mine is my premium after the district picks up the rest :eek:. The district has changed the coverage twice in the last 5 years and it's gone up every time-I'm not sure why that is. I'm on the basic, basic plan-$1500 deductible, 20% copay after deductible is met-I knew it wasn't a very good deal for us, but I didn't know how many people were out there who didn't have to pay anything. It's a really large district, don't know if that has anything to do with it.
     
  18. tinytotsteacher

    tinytotsteacher Rookie

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    As preschool staff, we don't quailfy for insurance. My family (hubby, myself and one teenager)pays 71.25/wk or 3705/year with $2000 deduct. and $20 co-pay. It includes dental, but no eye. We could pay $8 less a week, but I would have to find a new DR. within the state I live, and we live 8 miles from the state line, and our hospital and DR is another 12 miles from there in the neighboring state. Otherwise we would have to drive 60 miles to the closest hosp/DR. if we stayed in state.
     
  19. GoehringTeaches

    GoehringTeaches Comrade

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    I have the Tricare prime but am looking into switching to standard so my new baby can see a reputable pediatrician in the area. I honestly have no idea how much comes out of his check for any of the insurance. I just know that I pay nothing for prescriptions and no co-pays ever (even if referred off post!) When I had single coverage through the school, I was paying $90 something a month plus all of the co-pays. With our furlough days, I haven't felt the pinch since I no longer have to pay the health insurance.
     
  20. midwestteacher

    midwestteacher Cohort

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    The district pays for all our insurance. If we want to have a spouse or kids on the insurance, we have to pay that and it is pretty high. When I checked into it, it was about $400 a month. The kids are on dh's insurance because his company pays for it and their insurance is better than mine.
     
  21. chemteach55

    chemteach55 Connoisseur

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    I pay nothing for my health insurance through the archdiocese and $32/month for dental. My husband pays nothing on health or dental fro himself but does pay $200/month for health and dental for our 3 children. My policy is great--$35 an office visit and $5-25 prescriptions. My husband's policy is a health savings plan with a $3,000 deductible. He gets $2200 per year in the savings that is like a debit card. Doctor visits are 80/20 and prescriptions are regular cost with a small discount.
     
  22. JaimeMarie

    JaimeMarie Moderator

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    Mar 24, 2010

    Mine is a plan through the district I work for. I also have a 15 dollar copay for doctor visits, 25 for specialists. Prescriptions I have to pay 15 for generic and 25 for brand name.
     
  23. MuggleBug

    MuggleBug Companion

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    Yeah, I went to Standard because it's hard to get in to the doctor on the base here - a friend of mine said she once called because she had strep throat and they told her they couldn't see her for a week, so she ended up just going to the ER for everything. I pay $3 for prescriptions filled off base. I don't go to the doctor unless I have to, so I haven't yet had to pay any deductible/co-pay since all wellness visits (like annual gyno exam) are covered but I'm pretty sure it's a 150 deductible for individuals ($300 for family) and then 20% after...so depending on the quality of the doctors on your base, it may or may not be worth it. The ones here are kind of less than impressive which is why it was worth it to me to go off base.
     
  24. mom2ohc

    mom2ohc Habitué

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    OUr school plays a large part of our insurance, we currently pay 150 a year. However in NJ a new bill was passed, I think it was passed anyhow, where we will now pay 1.5% of our salary towards benefits, so the more you make, the more you pay. It makes sense, but it is discouraging because we are looking at such huge cuts in state aid in NJ - that most likely this year we will have to take a pay freeze, which means a reduction in salary, as we will be paying more for our benefits. :(
     
  25. amakaye

    amakaye Enthusiast

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    One of the trade-offs of our parochial school salary is that our health insurance is completely covered, and it's very good: $20 co-pay, wellness visits covered, prescriptions with a co-pay (I think it's maybe $15?), vision and dental included. I think the school pays half for other family members, but I'm not sure.
     
  26. Rabbitt

    Rabbitt Connoisseur

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    Mar 25, 2010

    District pays all except the $100 deductables.
    However, we are paid the lowest salary in the state.
     

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