What does your employer do for your health Insurance? How much of the premiums do they cover for you and your family? Anyone here lucky enough not to be effected by their premiums going up?
The company pays 100% of my premium. For my family, they pay a percentage, I'm not sure what that is though since my wife gets her insurance cheaper through her employer. This is the first company that I've been at that paid for it all. They don't contribute or match into retirement accounts though, so I guess this is how they make up for it.
Thats for the whole family. Comes up to be over $500/month for dental, eye, medical, and pharmacy. Thats about the going rate for goverment contractors in this area.
I pay $500 per month for family of 5, no co-pay, $10,000 deductible. Self employment is tough at times. For all practical purposes, I don't have health insurance, I have catastrophic insurance.
Due to the way they do all the deductions and stuff for my healthcare I have NO idea what the actual percentage is. I just know it goes up every year.
Like anything with healthcare...premiums don't even begin to tell the true cost. That is only the cost if you never need it. After premium, you got deductible, copays, coinsurance, Max out of pocket, lifetime Max, etc. It can be mind boggling...
My company covered the cost this year, my wife's went up. I pay 20%, our system is so broke it's crazy. 31% of healthcare goes to overhead cost. As long as we keep the status quo, rates will go up. To the point healthcare is going to bankrupt us.
My company pays 70% for me, my wife and daughter for everything. I pay 248 bucks a month for all of us. No complaints here.
Now (at the resort): Noththing. Before (3 yrs ago): 50%, family was covered. Our monthly ins. cost has gone up over 35% in the last 2 yrs, and that's even including the fact that we went from a $5000 to a $7500 deductible.The only thing we spend more on in a month is our food.
I split the cost of my health insurance 50 / 50 with my employer, plus we have a $5000 deductible per person per year, plus we have a $40 or $60 copay for office calls and a $10 / 40 / 65 copay for prescriptions. My share of the health insurance is about $600 per month. These numbers have been increasing yearly and our copays have been going up every year also. This is why I get so PO'd when I hear a teacher or a union person complaining about how much they have to pay !!
I pay 1.5% of my PPO cost. No deductible but have a co pay. My wifes is a little bit more but not much
My wife's insurance is paid at 100% (by her employer). For our son, we pay about $34/mo. (through the same policy). My insurance is run through her company, also.....for an additional $296/mo.. If not for this, it would have made my decision to hang my own shield a LOT tougher. I'd have been in the $600-$800/mo. "catastrophic-only" ranks.
My employer pays a fixed amount towards insurance. That leaves me to pay $151.00 per month for my health insurance. Dental is another 26.00 per month. The employee cost for family coverage is 709.00 per month. Pretty steep. Every year, at least, we have to change our insurance. The insurance companies lose too much money on my co-workers. They're a sickly bunch. So we are constantly changing companies. So, we pay a lot ... and we have really crappy coverage. Kind of funny (not) because the company is a physicians management group. All we do is deal with Docs, hospitals and insurance. Other than having my shoulder x-rayed and getting a cortisone shot a couple years back, I haven't been to any type of doctor in about 10 years. (having said that, I'll probably get sick and injured and have to go in for weeks now) The insurance companies can't decide if I'm low risk or really high risk because I don't go in at all.
