How much $$ is your health insurance
- Thread starter OzyMoto
- Start date
I have Blue Point PPO (for family) through where I work and I pay $240 per month and copays for prescriptions and doc visits. My employer pays the rest. A self employed friend of mine pays for the same coverage (but his includes dental too) and pays $9000 a year ($750 per month).
There are catastrophic insurance policies that have a large deductible to cover the really big medical bills too. They are much cheaper but are only really good for when you get hurt or sick real bad.
You are very wise to have insurance before you ride. I couldn't imaging not having any when I see the bills from the ER. :eek:
There are catastrophic insurance policies that have a large deductible to cover the really big medical bills too. They are much cheaper but are only really good for when you get hurt or sick real bad.
You are very wise to have insurance before you ride. I couldn't imaging not having any when I see the bills from the ER. :eek:
dklink2000
Damn Yankees
- Feb 18, 2002
- 764
- 0
14 bucks a month including dental. I have know idea how much the company puts in. it's though aetna
Enduro_Nut
~SPONSOR~
- Feb 7, 2002
- 1,155
- 0
I am self employed with a small company and mine is/WAS $1,240 a mo. through United Healthcare - great company but in 2 years went from $469 to $1,240 - OUCH :flame: so we dropped it!
GETMETOCA
Can't Wait For Tuesdays
- Mar 17, 2002
- 4,765
- 0
I have Cigna Healthcare through work. I pay about $44 a month for medical and $8 a month for dental. My employer pays the Lion's share of the insurance, which is another $270/mo. I have a $1000 deductible.
I am SHOCKED at what many of you are paying! :scream:
I am SHOCKED at what many of you are paying! :scream:
I have a comprehensive PPO plan and pay $620 a month for 4 of us. $200 per adult and $100 per child with a $20 Prescription Drug rider. This plan has a $750 Major medical deductable.
At 28 mine is $200 a month, if your above 50 it will be more like $500 and up per month.
If you a fairly healthy, don't have the extra money, and don't need a comprehensive plan with Dr visits than you might look at a major medical plan with a higher deductable. For me it was about $51 per month.
I would go talk to an insurance broker and tell them what your looking for and can afford. But be sure and read the policy and look for any exclusions.
He might even suggest an accident plan.
At 28 mine is $200 a month, if your above 50 it will be more like $500 and up per month.
If you a fairly healthy, don't have the extra money, and don't need a comprehensive plan with Dr visits than you might look at a major medical plan with a higher deductable. For me it was about $51 per month.
I would go talk to an insurance broker and tell them what your looking for and can afford. But be sure and read the policy and look for any exclusions.
He might even suggest an accident plan.
We have group PPO Plus which cost me $80.00 a month. they take it out of my check byweekly. $10 co-pay on meds and doctor visits and 100% emergency room visits. 80% on every thing else. Dental and AD&D. I don't know how long it will last at this price b/c I hear it is skyrocketing everywhere. :|
Oh I forgot $400.00 deductible.
Oh I forgot $400.00 deductible.
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dirt bike dave
Sponsoring Member
- May 3, 2000
- 5,348
- 3
Health care costs in the US have been rising very rapidly.
Those who are currently enjoying a relatively low rate through your employers may be in for a real shock when their contract is up for renewal. Unless your employer is willing to bite the bullet and spend a lot more on its employees, you will be looking at either reduced coverage, or the same coverage at a higher out of pocket cost for you.
Those who are currently enjoying a relatively low rate through your employers may be in for a real shock when their contract is up for renewal. Unless your employer is willing to bite the bullet and spend a lot more on its employees, you will be looking at either reduced coverage, or the same coverage at a higher out of pocket cost for you.
Solid State
Member
- Mar 9, 2001
- 492
- 0
We have two policies. My company's plan costs us $240/month for an HMO, and my wife's company's plan is BCBS PPO at a whopping $1400/month. So we pay close to $1700/month out of pocket. Consider yourselves lucky by comparison.
HomeMadeSin
LIFETIME SPONSOR
- Nov 20, 2001
- 379
- 0
Zilch :yeehaw:
The company pays 100%, but I do have $20 co-pays for each visit. For 13 employees, the company pays around $80k/yr for health and another $40k for disability, dental, etc.
The company pays 100%, but I do have $20 co-pays for each visit. For 13 employees, the company pays around $80k/yr for health and another $40k for disability, dental, etc.
High Lord Gomer
Poked with Sticks
- Sep 26, 1999
- 11,788
- 35
For family coverage with Guardian, I pay around $250 a month and my company pays the other $1400-$1600. It does pay 100% of everything after a $250/person deductible.
I'm surprised they renewed it this year, I expect it to be gone next year.
I'm surprised they renewed it this year, I expect it to be gone next year.
Solid State
Member
- Mar 9, 2001
- 492
- 0
Smit-Dog,
Go figure, the HMO will cover my daughter's medication (hugely expensive)but the PPO will not. On the other hand, the HMO has horrible medical care and will not take most of my kid's specialists. Welcome to the world of primary and secondary insurances. My wife says the billing is a nightmare, but I don't mind it. I just tell her that no matter what bills come, never send a payment as the laws in this state make the secondary pay for whatever the primary doesn't. Still a rip-off though.
dirt bike dave
Sponsoring Member
- May 3, 2000
- 5,348
- 3
If you ever need major surgery or state of the art care, come on over to our side of the border. You won't be the first.
- Nov 25, 1999
- 7,926
- 43
I'm on my wife's plan for $80/month. $15 copay for Dr., $30 copay for Specialist, $50 ER, NO DEDUCTIBLE! Prescriptions are $10/$30 generic/name brand.
My company is BCBS PPO. Pretty much the same as others have mentioned already. My latest round of meds cost more than the total for me being added onto my wifes plan, which is Aetna.
My company is BCBS PPO. Pretty much the same as others have mentioned already. My latest round of meds cost more than the total for me being added onto my wifes plan, which is Aetna.
Enduro_Nut
~SPONSOR~
- Feb 7, 2002
- 1,155
- 0
KXTodd - Who are you using(UNICARE?)? Have not heard of unicare. I'm currently searching and could use all the info. I can get!! How were they when you went for surgery - picky??
Both state of the art care and major surgeries can be handled and are available on this side of the border Once you make it to the top of the waiting list. As an exapmle of waits you'll wait for 12 months for an MRI were I am currently :|
- Thread starter
- #21
Thanks you for all your replies! I live in California and I'm looking at Blue Cross PPO 2500. it's about 150 per month. I wanted to get Health net but since I recently had surgury and still have screws and a plate in my foot they wont underwrite a policy for me.
I'm also looking into short term disability insurance to go with this. Peace of mind is expensive ;)
Thanks again
I'm also looking into short term disability insurance to go with this. Peace of mind is expensive ;)
Thanks again
Enduro-nut http://www.unicare.com/user_groups/members/index.htm
Looks like they're not nationwide but they do provide in Texas it says?
I didn't have any problems when I went to surgery at all, but then again I went 3 days after I had my wreck! Not so smart on my part :|
Looks like they're not nationwide but they do provide in Texas it says?
I didn't have any problems when I went to surgery at all, but then again I went 3 days after I had my wreck! Not so smart on my part :|
- Nov 3, 2000
- 698
- 0
Self Employed. 150/mo with 1500 deductable, no copay. Dones't cover dental or maternity. Got this one cuz, im healthy and only need to go to the dr. once a year for check-up, and it would cost me the least $$ if I got hurt riding MX. There was a better one that I tried to get but when they started asking me questions about motorcycles I backed out. www.ehealthinsurance.com is a good place to get quotes.
They are really trying to push people in Oz to take out private health insurance. I have the basics, but no hospital cover. I'd rather go to a public hospital for free, than pay a small fortune every month "just in case" I have an accident and want to go to a private hospital.
Unfortunately like Chilli said, the waiting list is pretty long if it's not emergency surgery.
Having said all that, I am currently looking into income protection insurance now that I have a mortgage and all. I don't want to leave the wive paying of the mortgage if I have a serious accident.
Unfortunately like Chilli said, the waiting list is pretty long if it's not emergency surgery.
Having said all that, I am currently looking into income protection insurance now that I have a mortgage and all. I don't want to leave the wive paying of the mortgage if I have a serious accident.
