Thread ITT: Domon Mines your PII - How much do you pay for healthcare?

Domon

Robotic Dexter
May 19, 2011
46,422
28,337
823
Just read how congress exempted themselves from the new Affordable Care Act exchange usage, and that theyll be keeping FEHB. Which led to everyone ranting about how FEHB is the cadillac of healthcare and is superamazing and congress are fat cats.

So. I have FEHB. Here's what i pay for it, and what i get for it. Everyone chime in and say what you all have too.

I pay 385 a month for my FEHB (blue cross "basic")

For that, i have payments of 35 for a standard visit, 50 for urgent care, 150 for surgery/etc

Insurance pays for about 76% of most prescriptions, leaving me with the remainder, which is between 20 and 50 bucks depending on what it is (I paid 85 dollars for a 6 week supply of nexium as an example)

Its good solid care, and im glad to have it, but its not cadillac.
 

kiwi

Messin’ with Sasquatch
Apr 22, 2005
20,423
8,282
623
Summer
I opted for the deductible plan so I pay like 25 bucks a paycheck for just me and have a 2k deductible then 80/20 or something. I don't know, I didn't pay close attention as I'm going part time in a week and going to lose it anyway.
 

APRIL

Feel Free to Pee on Me
Sep 30, 2004
103,200
37,893
1,823
Houston
COBRA option right now.

Had a free plan with 2k deductible, $30 copay, with uhc.

Looking at individual plans now to buy and they have a saver plan for 75ish bucks a month which is 10k deductible (have it in savings) and only covers drastic stuff... Oop for most meds (bc is free) and Dr visits.
 

Peppers

Cryin' Like a Bitch
Feb 24, 2013
17,537
12,121
373
Mars
I work for a new start up company and we are negotiating rates with some different carriers right now and it is a nightmare because of the impending laws. O-H-I-O's premiums are estimated to go up 40%. It's nuts. I'll be able to post a cost in September.
 

JAXvillain

Curly_Sue
Oct 13, 2004
68,542
1,879
923
I pay like $60 a month for full medical and dental. Kaiser for medical and can't remember the dental plan. Dentist has the info and bills them. MetLife maybe?
 

JAXvillain

Curly_Sue
Oct 13, 2004
68,542
1,879
923
Think I paid like $500 total for the couple hospital stays (9 days I think) and for the robot surgery.
 

Jehannum

HO HO HO METH GIANT
Jul 24, 2013
39,644
41,214
723
Albuquerque, NM
I don't know the exact number (the dental, vision, and healthcare are all rolled up into one number on my paycheck), but it all works out to me paying 402/mo for your basic HMO bullshit for me, the wife, and the fuck trophies. $20 copay at the doc, $75 at the urgent care, $150 at the ER, unless you go out of network and then it's "fuck me in the ass" expensive.

This is through my current employer (HP). Through the last one (company was only 15 people, 2 of which were in Albuquerque, the rest were in Arlington, VA), it was about $700/mo.

No idea on medication - we're not chronically ill, so we don't take anything above and beyond a basic multivitamin. Once every 2 months, one of us will be on antibiotics, but that's usually a $4 generic at the grocery store.
 
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APRIL

Feel Free to Pee on Me
Sep 30, 2004
103,200
37,893
1,823
Houston
I don't know the exact number (the dental, vision, and healthcare are all rolled up into one number on my paycheck), but it all works out to me paying 402/mo for your basic HMO bullshit for me, the wife, and the fuck trophies. $20 copay at the doc, $75 at the urgent care, $150 at the ER, unless you go out of network and then it's "fuck me in the ass" expensive.

This is through my current employer (HP). Through the last one (company was only 15 people, 2 of which were in Albuquerque, the rest were in Arlington, VA), it was about $700/mo.

No idea on medication - we're not chronically ill, so we don't take anything above and beyond a basic multivitamin. Once every 2 months, one of us will be on antibiotics, but that's usually a $4 generic at the grocery store.
In for the chicks here to freak at you calling them fuck trophies.


:popcorn:
 

gee

Blame It On The Gassa Nova
Sep 29, 2012
15,565
17,228
373
Halifax
Oh canada, our home and native land...
don't pay a dime, if I go and cut off my hand!
though I pay the bucks,
'cause I'm taxed to fuck..

... and so on.
 

eileenbunny

Druish Princess
May 25, 2005
13,349
2,299
573
46
Columbia, Maryland, United States
About $425 a month. I can't remember what the deductible is. We opted for a plan that is not an HMO so it costs a little more. I like to be able to choose my doctors and not having to get referrals. We have copays of $20 for general crap, $35 for specialists, and $100 for emergency visits. Prescriptions are covered on a sliding scale but I've never paid more than $40 for one. This also includes dental and vision although neither of those coverages are very good. They just cover a cleaning and a checkup a year.
 

my little brony

Keep Being A Little Bitch
Oct 15, 2004
34,952
18,763
823
$51.62 for tricare reserve select

Annual Outpatient Deductible

You're must meet the annual outpatient deducible each fiscal year (October 1 - September 30) before cost sharing begins:

Sponsor Rank E4 and below: $50 per individual, but no more than $100 per family


Cost Shares

You're responsible to pay a cost share based on the type of care and type of provider you see (network vs. non-network). Non-network providers may charge up to 15% above the TRICARE allowable charge. You are also responsible for these extra charges.

Some inpatient cost shares are subject to change each fiscal year (FY), October 1st through September 30th each year. The costs below are effective October 1, 2012.

Type of Care
Type of Provider
Network Non-Network
Ambulatory Care (Same Day Surgery) $25 per visit $25 per visit
Behavioral Health
Inpatient

$20 per day ($25 minimum) $20 per day ($25 minimum)
Outpatient

15% of the negotiated rate 20% of the allowable charge
Home Health Care $0 $0
Hospice Care $0 $0
Inpatient Services, such as:

Hospitalization
Skilled Nursing*
$17.35 per day ($25 minimum)
$17.35 per day ($25 minimum)
Maternity Care
Global fee for office visits &
hospitalization for delivery
planned in a hospital.

$17.35 per day ($25 minimum)
$17.35 per day ($25 minimum)
Office visits for delivery planned in a birthing center.

$25 per visit $25 per visit
Office visits for delivery at home or another setting.

15% of the negotiated rate
20% of the allowable charge
Newborn Care
The lower of the number of hospital days minus 3 multiplied by $250 or 25% of the negotiated rate, plus 20% for separately billed professional charges.
The lower of the number of hospital days minus 3 multiplied by DRG per diem copayment or 25% of billed charges, plus 25% for separately billed professional charges.
Outpatient Services (which include):
Ambulance Services
DME
Emergency Room Visits
Laboratory Services
Preventive Services**
X-Rays
15% of the negotiated rate 20% of the allowable charge


I haven't actually read any of that or cared. So far I haven't had to use it much. Government subsidized health care has treated me well. Government run health care has treated me well also. I am genuinely grateful to all of you or your tax dollars.

I do enjoy seeing derpublicans bitching and moaning that congresspeople get some super fancy health insurance for life along with their lifetime salary for only serving one term and blah blah fucking blah. They're federal employees and get the same thing that other federal employees get. If the economic argument devolves to what congress gets which amounts to a drop in the bucket then you're arguing with a goddamn idiot.
 
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tre

My favorite chef is Mike Rowave
Oct 15, 2004
26,341
19,446
823
igloo
hahahahahahahahaha paying for healthcare. good one!
 

Sarcasmo

A Taste Of Honey Fluff Boy
Mar 28, 2005
34,396
464
648
44
Austin
I pay $80 a month. My employer pays about $400 more. I have a high deductible health plan, which costs me $2,000 up front and then everything after that is free. Such plans are good if you rarely go to the doctor but want full coverage for catastrophic occurrences.
 

Sarcasmo

A Taste Of Honey Fluff Boy
Mar 28, 2005
34,396
464
648
44
Austin
hahahahahahahahaha paying for healthcare. good one!

On a serious note, has there ever been discussion in Canada about switching from the socialized medicine format? For example that it's becoming too financially burdensome, is insufficient in some way, etc.?