| Author |
Message |
    
shoshannah
Citizen
Username: Shoshannah
Post Number: 312
Registered: 7-2002
| | Posted on Monday, November 24, 2003 - 7:30 pm: | 
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We are covered by a plan provided by my husband's employer and we just received the new rates for 2004: $438 per month for a family of four (medical, dental, and vision). Plus a $200 per person deductible and higher copays across the board. Granted, the premium is not taxed, but still . . . this seems rather high to me. I'd be interested to know what others are paying and if next year's premium has increased significantly. |
Earlster
Citizen
Username: Earlster
Post Number: 79
Registered: 8-2003
| | Posted on Monday, November 24, 2003 - 8:06 pm: |
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Sounds like your husbands employer is picking up most of the bill.
Typical rates for a individually insured family run about $1200-$1500 a month in NJ for a not exactly great HMO. |
johnny
Citizen
Username: Johnny
Post Number: 785
Registered: 5-2001
| | Posted on Monday, November 24, 2003 - 8:11 pm: |
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I pay more than the teachers that work for M/SO. |
sac
Citizen
Username: Sac
Post Number: 795
Registered: 5-2001
| | Posted on Monday, November 24, 2003 - 8:18 pm: |
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How much is the employer kicking in? I believe that group policies like that usually cost between $750 and $1000 or more for family coverage, even without vision and dental care, but the employer contributions vary widely. |
Brett
Citizen
Username: Bmalibashksa
Post Number: 446
Registered: 7-2003
| | Posted on Monday, November 24, 2003 - 8:18 pm: |
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I had a personal policy $534 per month (1 person).
Now I'm on company insurance $50 |
rckymtn
Citizen
Username: Rckymtn
Post Number: 200
Registered: 5-2001
| | Posted on Tuesday, November 25, 2003 - 10:49 am: |
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$641 a month for health and dental PPO also for 4 people, $25 co-pays, no vision coverage, $1200 deductible for out of network services. I pay 55% of the premium, my employer supposedly pays the other 45%. Employers are placing more of the burden on employees. |
cjc
Citizen
Username: Cjc
Post Number: 492
Registered: 8-2003
| | Posted on Tuesday, November 25, 2003 - 11:05 am: |
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As a side note -- I find it humorous that people still believe that "Employers pay half of my social security tax and I pay the other half." The truth is you pay all of it. When someone hires you for X, his hiring costs (that you don't see) are X-plus the social security tax. It's all 'your' money in that that's the cost to hire you, you just don't see the other half.
Try this. Say you're a young worker who can make the bet that he won't need health insurance. Tell your employer "I don't want the insurance, so just give me every dime -- what my portion would be and what you pay for me -- in my compensation." I bet few if any would pay you the entire amount of money that's involved in healthcare. But you'd have them logically and morally.
Similarly, when your employer 'pays' the rest of your healthcare costs, it's really you who are. |
Dr. Winston O'Boogie
Citizen
Username: Casey
Post Number: 305
Registered: 8-2003
| | Posted on Tuesday, November 25, 2003 - 11:12 am: |
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plenty of people do just that -- independent contractors who pay all their SS and health insurance costs. |
algebra2
Citizen
Username: Algebra2
Post Number: 1437
Registered: 5-2001
| | Posted on Tuesday, November 25, 2003 - 11:13 am: |
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Our company plan is $1444 for a family, $864 for a parent child combo, and $405 for a single. I used to pay 1/2 of the premium but now Boss cover my child and me. We only have 3 employees -- so our rates are probably higher than most companies. |
mrosner
Citizen
Username: Mrosner
Post Number: 803
Registered: 4-2002
| | Posted on Tuesday, November 25, 2003 - 1:44 pm: |
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I pay 25% of the my cost and a slightly higher percentage for dependents. Altogether it is about $350.00/month for medical, dental and vision (lousy vision plan). My co-pay is $15.00 and RX copay is 10/20/45 and it seems like every drug we need is of the $45 variety. I sell health insurance plans and I am amazed at how much they are today for mediocre plans vs what was available when I started in the business.
Johnny, I take it you will be looking at switching careers to become a teacher. How come you only pick on teachers. There are plenty of others who have superior benefit packages including teachers everywhere (not just in our two towns). |
bobk
Supporter
Username: Bobk
Post Number: 3926
Registered: 5-2001
| | Posted on Tuesday, November 25, 2003 - 1:54 pm: |
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I pay about $250 per month for a fairly decent family plan, although there are no vision benefits unless illness or injury is involved. In our company officers pay more than non-officers.
My wife, who works for a nearby municipality, has a very similar plan provided without charge to her. We have been thinking about dropping my plan and saving the $3,000 or so a year. |
Tom Reingold the prissy-pants
Citizen
Username: Noglider
Post Number: 1184
Registered: 1-2003
| | Posted on Tuesday, November 25, 2003 - 2:34 pm: |
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My employer pays my premium entirely. If I wanted to add my wife, I would pay $378.14. My ex-wife carries my kids on her employer's insurance and a very low rate. If I had both my wife and my kids on my insurance, I'd be paying $756.28 per month. The administrator at my company wrote to me, saying "Keep in mind that the rates are adjusted in April or May. Guess what? They never go down!!!"
cjc, you're right, as long as we're talking about pre-tax dollars. I believe some people still pay for their insurance with after-tax money. That really hurts!
Tom Reingold
There is nothing
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Redsox
Citizen
Username: Redsox
Post Number: 368
Registered: 6-2002
| | Posted on Tuesday, November 25, 2003 - 6:46 pm: |
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contribution for family plan about 175/mos
no co-pay, no deductible
nj carpenters health fund: dental & glasses included- scripts $3- for generic: never more than $15
previously ( when i used to cash my checks @ the blarney rock)
about $175/mos family plan
nyc district council of carpenters
$10 co-pay, ER- no fee no deductible
scripts $3-
the trades rule |
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