Health Benefits. What do you pay?

Page 1 of 3 123 LastLast
Results 1 to 30 of 80
  1. #1
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Health Benefits. What do you pay?

    My company recently changed our contributions towards health benefits. When I started there 5 years ago they were fully paid for by the company. Every year it would cost more for my company. By the third year we had to contribute. Last year it was about 50$/month for me, my wife and my son. They just informed us today that it is going up to 404$/month for the lowest plan. An HMO. Where you have to get referrels for everything. This really sucks. I'm living off one income right now. Fortunately my wife goes back to work and April and she has pretty good benefits. About 136$/month for family. Thats personal choice also. A single at my company is free BTW. What you guys paying?
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  2. #2
    Senior Member
    ELITE MEMBER
    danzik17's Avatar


    Join Date
    Oct 2005
    Gender
    Male
    Location
    Connecticut
    Posts
    3,801
    Rep Points
    62793096

    I'm single so it's free. All I pay for is a 15$ copay when I go see pretty much anyone.

    I also pay like 25 cents every 2 weeks for vision coverage, but I hardly think that counts
    Ron Paul 2012

    No gym for home, work out floor with 30, but is it for 20 like 30 lb when you no lift it to be for men, for 30 lbs instead? or half is 10 for 20 pounds?

  3. #3
    Registered User
    jmorrison's Avatar


    Join Date
    Mar 2009
    Gender
    Male
    Location
    Alabama
    Posts
    1,628
    Rep Points
    52603703

    75$ per month for the whole family.

  4. #4
    primeau
    lnvanry's Avatar


    Join Date
    Nov 2004
    Gender
    Male
    Location
    Tucson
    Posts
    4,276
    Rep Points
    54346477

    $120/month for me and the wife...United POS Choice Plus. Only had it for a few months and have yet to use it.

  5. #5
    Windy City
    ELITE MEMBER
    Big Smoothy's Avatar


    Join Date
    Jan 2004
    Location
    South America
    Posts
    5,603
    Rep Points
    235125658

    Quote Originally Posted by Doublebase View Post
    My company recently changed our contributions towards health benefits. When I started there 5 years ago they were fully paid for by the company. Every year it would cost more for my company. By the third year we had to contribute. Last year it was about 50$/month for me, my wife and my son. They just informed us today that it is going up to 404$/month for the lowest plan. An HMO. Where you have to get referrels for everything. This really sucks. I'm living off one income right now. Fortunately my wife goes back to work and April and she has pretty good benefits. About 136$/month for family. Thats personal choice also. A single at my company is free BTW. What you guys paying?
    Doublbase, Am I reading your post, correctly?

    Last year: $50

    This year: $404


    !@#$!@#$%@$#%
    It's an accurate statement that our current spending will not be increasing the debt We've stopped spending money that we don't have.

    -- Jack Lew, then director of the Office of Management and Budget, in Feb. 16, 2011 testimony before the Senate Budget Committee.

  6. #6
    Bohemian Extraordinaire
    ELITE MEMBER
    maniclion's Avatar


    Join Date
    Aug 2003
    Gender
    Male
    Location
    Mēns Incognita
    Posts
    27,163
    Rep Points
    982543932

    $134 every 2 weeks for just myself, Preferred Provider can go to any doctor I want never have hassles about I can't get this procedure done or I need to go to this Clinic cause my coverage only covers certain this or that. Doctors love me cause they can actually perform medicine and don't have to worry about what my insurance won't cover.....I've found it to be very handy over the years. I have a co-worker on a cheaper plan and he has to drive from one place to another to another over several days just to get an X-ray and have it analyzed and then get the doctors opinion.... I figure I miss less time at work just by not having to schedule multiple visits for one diagnosis....
    Coarse edged youth, the irish pendants string from their smiles
    not yet plucked as to slacken the seams
    and drag down the features of age,
    no folds or creases from unkempt wear
    eyes of tranquilty, crystalline-beads
    no sign of despair in their hair, nor their hearts
    but oh they have yet to be experienced and that makes aging so very worth it...ML circa2012

  7. #7
    pedal pedal pedal
    ELITE MEMBER
    I Are Baboon's Avatar


    Join Date
    Mar 2001
    Gender
    Male
    Location
    usa
    Posts
    12,754
    Rep Points
    193730511

    I pay $107.45 in each biweekly paycheck for medical and dental. The plans are separate though. Medical covers only myself. Dental covers me and wife.

    I did the math: All of my torn ACL expenses that were covered by insurance came to more than I have paid for health insurance since I got my first job out of college (1996). So, I feel I've gotten my money's worth. I estimate I've paid about $19,000 for insurance, and all of the ACL expenses came to $23,000 (doctor visits, all surgery expenses, rehab, etc).

  8. #8
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by Big Smoothy View Post
    Doublbase, Am I reading your post, correctly?

    Last year: $50

    This year: $404


    !@#$!@#$%@$#%
    Yes... I feel bad for my co-workers that don't have a spouse that can help with benefits and have kids. They are stuck paying that.
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  9. #9
    Senior Member
    ELITE MEMBER


    Join Date
    Nov 2002
    Gender
    Female
    Location
    Earth
    Posts
    18,563
    Rep Points
    66150743

    Part of my taxes :o

  10. #10
    "It's not a tooma!"


    Join Date
    Jan 2008
    Location
    US
    Posts
    379
    Rep Points
    722310

    $50 bucks every two weeks for myself, full dental, medical, life & 401k.

  11. #11
    Bohemian Extraordinaire
    ELITE MEMBER
    maniclion's Avatar


    Join Date
    Aug 2003
    Gender
    Male
    Location
    Mēns Incognita
    Posts
    27,163
    Rep Points
    982543932

    Quote Originally Posted by I Are Baboon View Post
    I pay $107.45 in each biweekly paycheck for medical and dental. The plans are separate though. Medical covers only myself. Dental covers me and wife.

    I did the math: All of my torn ACL expenses that were covered by insurance came to more than I have paid for health insurance since I got my first job out of college (1996). So, I feel I've gotten my money's worth. I estimate I've paid about $19,000 for insurance, and all of the ACL expenses came to $23,000 (doctor visits, all surgery expenses, rehab, etc).
    Take into account the non-discounted rate at which they charge uninsured, take for example the time I got an MRI and there was a billing error, they sent me a bill for something like $1200.00. After I settled that I got my statement for the month and they had only charged my Insurance provider $480 something....
    Out of pocket you might have had to pay 2 or 3 times as much.....
    Coarse edged youth, the irish pendants string from their smiles
    not yet plucked as to slacken the seams
    and drag down the features of age,
    no folds or creases from unkempt wear
    eyes of tranquilty, crystalline-beads
    no sign of despair in their hair, nor their hearts
    but oh they have yet to be experienced and that makes aging so very worth it...ML circa2012

  12. #12
    Windy City
    ELITE MEMBER
    Big Smoothy's Avatar


    Join Date
    Jan 2004
    Location
    South America
    Posts
    5,603
    Rep Points
    235125658

    Quote Originally Posted by Doublebase View Post
    Yes... I feel bad for my co-workers that don't have a spouse that can help with benefits and have kids. They are stuck paying that.
    OK, so, you went from $50 to $404 per month!

    That is a problem for those with mortgages, car payments and basic bills.

    All this....just in case...you get sick or in a wreck?
    It's an accurate statement that our current spending will not be increasing the debt We've stopped spending money that we don't have.

    -- Jack Lew, then director of the Office of Management and Budget, in Feb. 16, 2011 testimony before the Senate Budget Committee.

  13. #13
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by Big Smoothy View Post
    OK, so, you went from $50 to $404 per month!

    That is a problem for those with mortgages, car payments and basic bills.

    All this....just in case...you get sick or in a wreck?
    Yes I know. I just had a baby 6 months ago. Wife is currently not working. I have an SUV payment and mortgage. Thank god I make an ok living. This would def hurt if my wife wasn't going back to work. I don't know how this is ever going to get better. It most likely will get worse. If they want to insure everyone in the country, who is going pay for all that?

    On the other hand, they added another 1% to what they are matching in our 401K's. 4%. Not to bad in this economy. My 401K has been rocking too. Up nearly 50% in some of my funds.
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  14. #14
    Senior Member
    ELITE MEMBER
    min0 lee's Avatar


    Join Date
    Oct 2004
    Location
    The Bronx, NYC
    Posts
    44,753
    Rep Points
    812984759

    Quote Originally Posted by IainDaniel View Post
    Part of my taxes :o

  15. #15
    Senior Member
    ELITE MEMBER
    min0 lee's Avatar


    Join Date
    Oct 2004
    Location
    The Bronx, NYC
    Posts
    44,753
    Rep Points
    812984759

    Quote Originally Posted by I Are Baboon View Post
    I pay $107.45 in each biweekly paycheck for medical and dental. The plans are separate though. Medical covers only myself. Dental covers me and wife.

    I did the math: All of my torn ACL expenses that were covered by insurance came to more than I have paid for health insurance since I got my first job out of college (1996). So, I feel I've gotten my money's worth. I estimate I've paid about $19,000 for insurance, and all of the ACL expenses came to $23,000 (doctor visits, all surgery expenses, rehab, etc).
    Wait till you get older and need to see the doctor for other illnesses and injuries.

  16. #16
    Senior Member
    ELITE MEMBER
    min0 lee's Avatar


    Join Date
    Oct 2004
    Location
    The Bronx, NYC
    Posts
    44,753
    Rep Points
    812984759

    I pay $43.00 every 2 weeks.
    I paid $200.00 a month at my last job.

  17. #17
    Bohemian Extraordinaire
    ELITE MEMBER
    maniclion's Avatar


    Join Date
    Aug 2003
    Gender
    Male
    Location
    Mēns Incognita
    Posts
    27,163
    Rep Points
    982543932

    Quote Originally Posted by Doublebase View Post
    Yes I know. I just had a baby 6 months ago. Wife is currently not working. I have an SUV payment and mortgage. Thank god I make an ok living. This would def hurt if my wife wasn't going back to work. I don't know how this is ever going to get better. It most likely will get worse. If they want to insure everyone in the country, who is going pay for all that?

    On the other hand, they added another 1% to what they are matching in our 401K's. 4%. Not to bad in this economy. My 401K has been rocking too. Up nearly 50% in some of my funds.
    I thought my company sucked, but 4% match on your 401k, at least my company does 50%...
    Coarse edged youth, the irish pendants string from their smiles
    not yet plucked as to slacken the seams
    and drag down the features of age,
    no folds or creases from unkempt wear
    eyes of tranquilty, crystalline-beads
    no sign of despair in their hair, nor their hearts
    but oh they have yet to be experienced and that makes aging so very worth it...ML circa2012

  18. #18
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by maniclion View Post
    I thought my company sucked, but 4% match on your 401k, at least my company does 50%...
    So if you put in 1000$ each week they give you 500$? That's incredible.
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  19. #19
    Bohemian Extraordinaire
    ELITE MEMBER
    maniclion's Avatar


    Join Date
    Aug 2003
    Gender
    Male
    Location
    Mēns Incognita
    Posts
    27,163
    Rep Points
    982543932

    Quote Originally Posted by Doublebase View Post
    So if you put in 1000$ each week they give you 500$? That's incredible.
    Yes, but there is a $4000 cap per year....still a very beneficent gesture.... We also have Pre-Paid Legal Aid for $15 a paycheck and Identity Theft Protection for $10.....
    Coarse edged youth, the irish pendants string from their smiles
    not yet plucked as to slacken the seams
    and drag down the features of age,
    no folds or creases from unkempt wear
    eyes of tranquilty, crystalline-beads
    no sign of despair in their hair, nor their hearts
    but oh they have yet to be experienced and that makes aging so very worth it...ML circa2012

  20. #20
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by maniclion View Post
    Yes, but there is a $4000 cap per year....still a very beneficent gesture.... We also have Pre-Paid Legal Aid for $15 a paycheck and Identity Theft Protection for $10.....
    O ok. My company gives up to 2K a year now. Which I max out. You would be stupid not to if you can afford it. Free money
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  21. #21
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by maniclion View Post
    I thought my company sucked, but 4% match on your 401k, at least my company does 50%...
    Why would you think your company sucked? I have never any company matching that much. Normally its just up to 6%. That is the best I have ever heard. That's what my wife gets and she is a teacher.
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  22. #22
    Senior Member
    ADMINISTRATOR
    Prince's Avatar


    Join Date
    Nov 2000
    Gender
    Male
    Location
    Panama
    Posts
    63,541
    Rep Points
    2147483647

    being self-employed I am under my wife's insurance policy, I believe it costs around $150/month, however we have an annual deductible of $2500, until that is met we pay 100% out of pocket, so basically it sucks big donkey dick.


    IronMagLabs 15% Discount Code: Robert15






    IronMag Research 15% Discount Code: Robert15



  23. #23
    Moderator
    MODERATOR
    Dale Mabry's Avatar


    Join Date
    May 2003
    Location
    Elsewhere
    Posts
    15,580
    Rep Points
    247492144

    Quote Originally Posted by Doublebase View Post
    I don't know how this is ever going to get better. It most likely will get worse. If they want to insure everyone in the country, who is going pay for all that?
    Once they make those assholes open up their books for everyone to see by removing that anti-trust exemption, you will find out how not true this is. The profits these guys make is ludicrous, and the means by which they attain them are ridiculous. The change is coming, the gov't is just giving their buddies a few more months to gouge everyone. Reform will pass, probably without a public option or with a stripped-down, opt-in provision for the states. It's just like the credit card change that they gave bankers 9 months to prepare for by raising rates for no logical reason.
    If sense were common, everyone would have it.

    4/2007-Current 75th Ranked most popular image 1 spot behind Prince's bulge...

    Check out my world famous Bob Loblaw's Law Blog at http://www.synergyhw.blogspot.com/...Just kidding, it's a health and wellness blog.

  24. #24
    Windy City
    ELITE MEMBER
    Big Smoothy's Avatar


    Join Date
    Jan 2004
    Location
    South America
    Posts
    5,603
    Rep Points
    235125658

    I pay $0.

    And have no insurance whatesover. It's risky. I won't do this forever.

  25. #25
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by Big Smoothy View Post
    I pay $0.

    And have no insurance whatesover. It's risky. I won't do this forever.
    Yeah way to risky for me. That's playing with fire. I have a family to care for now.
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  26. #26
    Senior Member
    ADMINISTRATOR
    Prince's Avatar


    Join Date
    Nov 2000
    Gender
    Male
    Location
    Panama
    Posts
    63,541
    Rep Points
    2147483647

    Quote Originally Posted by Big Smoothy View Post
    I pay $0.

    And have no insurance whatesover. It's risky. I won't do this forever.
    that's crazy, if you ended up in the hospital you would be facing some HUGE medical bills.


    IronMagLabs 15% Discount Code: Robert15






    IronMag Research 15% Discount Code: Robert15



  27. #27
    inadvertant tree hugger
    ELITE MEMBER
    bandaidwoman's Avatar


    Join Date
    Dec 2003
    Location
    Atlanta, Georgia
    Posts
    1,440
    Rep Points
    59565640

    as an small company employer I am paying close to half a million a year in health care premiums for my employees ( 35-40 employees). I don't see how other small or medium size busineses can keep affording it. Since I became partner 5 years ago ( and can look at the books) the premiums have increased 78%...
    Official Race Member of the Crank Crushing Rednecks

    Eat more mud, mountain bike until you die!

    XX Feminine power

  28. #28
    Senior Member
    ELITE MEMBER
    Doublebase's Avatar


    Join Date
    Mar 2005
    Gender
    Male
    Location
    Philly
    Posts
    8,299
    Rep Points
    83671955

    Quote Originally Posted by bandaidwoman View Post
    Since I became partner 5 years ago ( and can look at the books) the premiums have increased 78%...
    I believe it. Used to be free here. Now its over 400$/month!
    "A child does not learn to squat from the top down -- in other words, he does not suddenly make a conscious decision one day to squat. Actually, he is squatting one day and makes the conscious decision to stand." - Gray Cook

  29. #29
    Registered User
    jmorrison's Avatar


    Join Date
    Mar 2009
    Gender
    Male
    Location
    Alabama
    Posts
    1,628
    Rep Points
    52603703

    Quote Originally Posted by Doublebase View Post
    So if you put in 1000$ each week they give you 500$? That's incredible.
    My company is 100% match up to 6% of my total income pretax, which is pretty awesome. After the 6% I think it goes to a sub 10%, but hell, 6% pretax is pretty damned substantial.

  30. #30
    primeau
    lnvanry's Avatar


    Join Date
    Nov 2004
    Gender
    Male
    Location
    Tucson
    Posts
    4,276
    Rep Points
    54346477

    Quote Originally Posted by Big Smoothy View Post
    I pay $0.

    And have no insurance whatesover. It's risky. I won't do this forever.
    yea, I went for a yr w/o insurance after grad school...didn't have any another option other than medicaid.

Similar Threads

  1. Watermelon Benefits for Health
    By polard07 in forum General Health & Awareness
    Replies: 12
    Last Post: 10-10-2011, 04:26 AM
  2. Avocadoes contain many health benefits
    By Prince in forum Blog
    Replies: 0
    Last Post: 06-27-2011, 01:57 PM
  3. The health benefits of phytochemicals
    By Prince in forum Bodybuilding Gossip
    Replies: 0
    Last Post: 05-20-2011, 11:10 AM
  4. Health Benefits of Lettuce?
    By JailHouse in forum Diet & Nutrition
    Replies: 14
    Last Post: 10-06-2008, 12:33 PM
  5. Health Benefits of Saturated Fat
    By Jodi in forum Diet & Nutrition
    Replies: 5
    Last Post: 07-20-2003, 06:55 PM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
-->