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Medical Insurance and the new year?

Medical Insurance and the new year?

Old Dec 18th 2009, 9:20 pm
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Default Medical Insurance and the new year?

So what's happening with everyones insurance for the new year? Anything fun?

Ours is only going up $40 a month to stay on the "good" plan, which will now have a $500 deductible from $0 and will have a 90/70 in/out network split covered for hospital/long term care, which was 100%

So it's only now going to $440 a month.

The cheap option, which is considerably cheaper has gotten from crap to a case of "you must be joking if you think that's cover", which with a kid just isn't worth the gamble.
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Old Dec 18th 2009, 9:23 pm
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Default Re: Medical Insurance and the new year?

Originally Posted by Bob View Post

The cheap option, which is considerably cheaper has gotten from crap to a case of "you must be joking if you think that's cover", which with a kid just isn't worth the gamble.
that's the option I have.
We've just changed companies we use at work, so mine has actually gone down.

I'm not covered for shit, but I get a health check once a year...woop


You're right though, you can't have the crap one when you've got kids.
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Old Dec 18th 2009, 10:01 pm
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Default Re: Medical Insurance and the new year?

Our premiums are staying the same (about $350 per month), but they are introducing a deductible of $750 - was $0 before
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Old Dec 18th 2009, 11:00 pm
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Default Re: Medical Insurance and the new year?

The biggest change for the New Year is that anyone who becomes newly unemployed and loses their health insurance will not get the 65% subsidy towards COBRA payments that's been in effect this year. The role of uninsureds is going to keep growing unless Congress reauthorizes the programme.
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Old Dec 18th 2009, 11:32 pm
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Default Re: Medical Insurance and the new year?

Originally Posted by rebs View Post
Our premiums are staying the same (about $350 per month), but they are introducing a deductible of $750 - was $0 before
Isn't that effectively raising your premium?
How do their evil little minds work, grrr.
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Old Dec 18th 2009, 11:35 pm
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Default Re: Medical Insurance and the new year?

Mine is staying the same, but i've only had it a since October so its a damn good job really.....

The total cost is $521 a month, but I only pay $140 and my boss pays the rest. Its a $1000 deductible per person, or $2000 family deductible, and its 80% in network and 64% out of network (after deductible has been met). It covers vision as well, with one free eye test a year per person - no dental, but my kids get free dental anyway because I work at a dentist

oh.... and that premium is for 8 of us.... yep.... 8
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Old Dec 19th 2009, 12:42 am
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Default Re: Medical Insurance and the new year?

No change here, it's a Union plan. First time in our lives we have good insurance (compared to most that is)
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Old Dec 19th 2009, 12:53 am
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Default Re: Medical Insurance and the new year?

No change here, still a paltry $98 a month premium for 3 of us....BUT its $2300 deductible for each person. Although the deductible amount stayed the same, it rose by $100 last year.....
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Old Dec 19th 2009, 1:32 am
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Default Re: Medical Insurance and the new year?

For the 2 of us...$130 per month for healthcare...no deductible. $13 per month for dental...no deductible.
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Old Dec 19th 2009, 2:18 am
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Default Re: Medical Insurance and the new year?

Our prescription plan changed and I'll save about $30 a month. I'm happy.
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Old Dec 19th 2009, 2:46 am
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Default

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I have a benefit insurance plan type thingy :s

Its with beechstreet its $179 a month no deductable and i dont think its going up.

I have no idea if this is a good company or not but it sounded good at the time.
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Old Dec 19th 2009, 3:15 am
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Default Re: Medical Insurance and the new year?

My insurance is already crap. Luckily (or unluckily) our children qualify for coverkids which is a TN thing so they're covered until I get a better paying job.
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Old Dec 19th 2009, 5:47 am
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Default Re: Medical Insurance and the new year?

I have no medical insurance unfortunately, used to have it, but they need to make a better bill in Congress, I don't like this healthcare bill they have running around.
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Old Dec 19th 2009, 7:55 am
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Default Re: Medical Insurance and the new year?

Originally Posted by chrisfromusa View Post
I have no medical insurance unfortunately, used to have it, but they need to make a better bill in Congress, I don't like this healthcare bill they have running around.
Same here, just cancelled mine and probably won't bother to reinstate another one in the near future.
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Old Dec 19th 2009, 8:14 pm
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Default Re: Medical Insurance and the new year?

My daughter's husband's company switched last year to self-insured healthcare and it cost them a nice penny. This year the cost has been increased from $500 a month to $750 and the deductible from $2500 to $6500. So daughter is coming off the policy to lower the cost and will look for private for herself.

For me, DH retires July 1 and I have two choices: my firm plan which is $175 a month with deductibles of $500 per hospital stay; $250 per outpatient and $2,500 for non-plan physicians and $100 deductible on meds and double the co-pay; or continue with hubby's plan and pay $100 a month (was free before) with the same no deductible for healthcare and $50 deductible on meds and co-pay of $15 for generic and $30 for name brand.
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