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Health Insurance.
Posted by Mamaknowsbest26
on 4/11/12 at 11:53pm
Just curious as to how much each of you pay for medical insurance for your family. Husband is getting out of the Navy and want to know what I can expect to be spending on health insurance. We have 3 children by the way.

Please don't comment if you are Canadian. I understand that you don't have to pay for health insurance. Also medicaid and other govt health insurance please don't comment either. I'm solely interested in learning how much I can expect to pay for a family of 5, in the United States.

Replies (1-10 of 64)

Posted by Josie.Grossie
on 4/11/12 at 11:54pm

We pay nothing but after dh's union contract goes for negotiation who knows :(
I also have 3 kids.
Posted by twrwifey
on 4/11/12 at 11:55pm

For dh, myself and 2 kids we pay 300 a month. But, our insurance sucks.
Posted by sissyboogs
on 4/11/12 at 11:56pm

We pay something like $189 bi-weekly, I think. I don't pay much attention. 2 adults, 2 children (his plan is the same price regardless of number of members though). $0 deductible. Co-pays are $10 for a regular office visit, $30 for a specialist, $50 for ER. Well baby check-ups and yearly paps are $0 co-pay. 100% coverage after co-pays.
Posted by Mamaknowsbest26
on 4/11/12 at 11:58pm

Yeah I don't pay one penny for health care, not even prescriptions. I am so worried what its going to be like when we have to start paying out of pocket for things like that.

Quoting Josie.Grossie:

We pay nothing but after dh's union contract goes for negotiation who knows :(
I also have 3 kids.
Posted by Mamaknowsbest26
on 4/11/12 at 11:58pm

That seem reasonable. How much do precriptions cost you?

Quoting sissyboogs:

We pay something like $189 bi-weekly, I think. I don't pay much attention. 2 adults, 2 children (his plan is the same price regardless of number of members though). $0 deductible. Co-pays are $10 for a regular office visit, $30 for a specialist, $50 for ER. Well baby check-ups and yearly paps are $0 co-pay. 100% coverage after co-pays.
Posted by RobinBright
on 4/12/12 at 12:05am

Almost identical : ) 2 adults, 2 children, about $400 a month, $0 deductible, $20 copay for all office visits, $50 for ER visits, $5 generic prescriptions, $10-15 for name brands. $20 dental copay, two cleanings a year, not sure what the copay is if we need dental work done? 50% off glasses and contacts once a year.

Quoting sissyboogs:

We pay something like $189 bi-weekly, I think. I don't pay much attention. 2 adults, 2 children (his plan is the same price regardless of number of members though). $0 deductible. Co-pays are $10 for a regular office visit, $30 for a specialist, $50 for ER. Well baby check-ups and yearly paps are $0 co-pay. 100% coverage after co-pays.
Posted by sissyboogs
on 4/12/12 at 12:08am

I wish we had dental!
We have vision, but I really can't remember all the details. Exams are free once per year, and I think they give something like $75 towards either frames or contacts once per year. Lenses for glasses are free unless you're like me and have to pay extra for thinner lenses cause you're practically blind, lol.
Quoting RobinBright:

Almost identical : ) 2 adults, 2 children, about $400 a month, $0 deductible, $20 copay for all office visits, $50 for ER visits, $5 generic prescriptions, $10-15 for name brands. $20 dental copay, two cleanings a year, not sure what the copay is if we need dental work done? 50% off glasses and contacts once a year.

Quoting sissyboogs:

We pay something like $189 bi-weekly, I think. I don't pay much attention. 2 adults, 2 children (his plan is the same price regardless of number of members though). $0 deductible. Co-pays are $10 for a regular office visit, $30 for a specialist, $50 for ER. Well baby check-ups and yearly paps are $0 co-pay. 100% coverage after co-pays.
Posted by RobinBright
on 4/12/12 at 12:31am

Haha, same here!! I used to pay a billion dollars for them because I'm legally blind uncorrected. SO's coverage is great though. I also pick and choose which insurance to use when I get certain prescriptions because I also have mandatory student insurance from my grad school, and really common stuff (ibuprofen, z-pack, stuff like that) are free. Sweet!

Quoting sissyboogs:

I wish we had dental!
We have vision, but I really can't remember all the details. Exams are free once per year, and I think they give something like $75 towards either frames or contacts once per year. Lenses for glasses are free unless you're like me and have to pay extra for thinner lenses cause you're practically blind, lol.
Quoting RobinBright:

Almost identical : ) 2 adults, 2 children, about $400 a month, $0 deductible, $20 copay for all office visits, $50 for ER visits, $5 generic prescriptions, $10-15 for name brands. $20 dental copay, two cleanings a year, not sure what the copay is if we need dental work done? 50% off glasses and contacts once a year.

Quoting sissyboogs:

We pay something like $189 bi-weekly, I think. I don't pay much attention. 2 adults, 2 children (his plan is the same price regardless of number of members though). $0 deductible. Co-pays are $10 for a regular office visit, $30 for a specialist, $50 for ER. Well baby check-ups and yearly paps are $0 co-pay. 100% coverage after co-pays.
Posted by Randi02
on 4/12/12 at 12:33am

Not a dime.

I'm Canadian. Our extended health is through sunlife, and also free.
Posted by bustybee
on 4/12/12 at 12:37am (1 like)

I only pay for prescriptions... everything else is free.... but I'm canadian