Prompted by sbr's comment in the other thread.
I pay like $83 biweekly for single coverage, which I do not consider a great deal.
COBRA, so it's 100%. $490 a month, single coverage. Ends December 31st.
I'd have to find out what the employer's contribution is, so I don't know off the top of my head.
Quote from: Admiral Yi on September 25, 2013, 03:59:41 PM
Prompted by sbr's comment in the other thread.
I pay like $83 biweekly for single coverage, which I do not consider a great deal.
Let's see...
I pay $100 biweekly for all the maxed out family benefits I could get. Enhanced medical , drug and dental.
Basic health insurance of course is free in this country, but you have to pay for the extras...
Quote from: MadImmortalMan on September 25, 2013, 04:03:27 PM
I'd have to find out what the employer's contribution is, so I don't know off the top of my head.
??
I'm not asking for your contribution as a % of total cost, just a $ amount.
Re-reading my question i can see that might have been unclear.
Quote from: Admiral Yi on September 25, 2013, 04:06:47 PM
Quote from: MadImmortalMan on September 25, 2013, 04:03:27 PM
I'd have to find out what the employer's contribution is, so I don't know off the top of my head.
??
I'm not asking for your contribution as a % of total cost, just a $ amount.
Re-reading my question i can see that might have been unclear.
You mean only health insurance right?
If so, then nothing.
I pay $202.45 bi-monthly for myself, Max, and two of the kids for health, vision, and dental.
Quote from: mongers on September 25, 2013, 04:08:42 PM
You mean only health insurance right?
Yes.
Deeply flawed OP Yi. :thumbsdown:
Since I've chosen not to to purchase health insurance, not a damn penny.
Nothing.
I am not really sure as it is mainly notional. We have employee contributions so that the benefits are returned to them tax free but we make up the cost to them in extra wages so that the cost is net neutral.
Ok, last year it was like $130/mo for both of us.
Now we just get a grant of $3k at the beginning of the year and all costs over $5k are covered 100%. Whatever we don't spend of the $3k we get to keep on December 31st.
Quote from: Barrister on September 25, 2013, 04:06:30 PM
Quote from: Admiral Yi on September 25, 2013, 03:59:41 PM
Prompted by sbr's comment in the other thread.
I pay like $83 biweekly for single coverage, which I do not consider a great deal.
Let's see...
I pay $100 biweekly for all the maxed out family benefits I could get. Enhanced medical , drug and dental.
Basic health insurance of course is free in this country, but you have to pay for the extras...
What does the enhanced get you?
Quote from: MadImmortalMan on September 25, 2013, 04:34:17 PM
Ok, last year it was like $130/mo for both of us.
Now we just get a grant of $3k at the beginning of the year and all costs over $5k are covered 100%. Whatever we don't spend of the $3k we get to keep on December 31st.
And you guys pay zero for that? Schweet.
WTF is an "insurance premium"?
I live in Sweden which is pretty much Paradise on Earth.
I think mine is 0 or near 0 for basic health/dental. Vision is then 8 bucks bi-weekly.
Quote from: derspiess on September 25, 2013, 04:35:21 PM
Quote from: Barrister on September 25, 2013, 04:06:30 PM
Quote from: Admiral Yi on September 25, 2013, 03:59:41 PM
Prompted by sbr's comment in the other thread.
I pay like $83 biweekly for single coverage, which I do not consider a great deal.
Let's see...
I pay $100 biweekly for all the maxed out family benefits I could get. Enhanced medical , drug and dental.
Basic health insurance of course is free in this country, but you have to pay for the extras...
What does the enhanced get you?
A whole whack of things. Dental is 80% coverage with no maximum (so we pay 20% of the cost). It was awesome when my wife was also a government employee - the overlapping plans meant we paid nothing. Drugs cover 80% of costs up to $5,000 (then 100% coverage), with no maximum.
Medical covers ambulances, private hospital rooms, emergency travel coverage, vision plans, that kind of thing.
Quote from: derspiess on September 25, 2013, 04:35:21 PM
Quote from: Barrister on September 25, 2013, 04:06:30 PM
Quote from: Admiral Yi on September 25, 2013, 03:59:41 PM
Prompted by sbr's comment in the other thread.
I pay like $83 biweekly for single coverage, which I do not consider a great deal.
Let's see...
I pay $100 biweekly for all the maxed out family benefits I could get. Enhanced medical , drug and dental.
Basic health insurance of course is free in this country, but you have to pay for the extras...
What does the enhanced get you?
Put simply you dont pay for anything yourself or at least very little.
All.
50%. Something like 450 a month for 2 people health / dental / vision.
I pay about $150 a month into my Health Savings Account (thus, pre-tax, but out of pocket). The school picks up the premium for the 100%-coverage-after-$3000 plan. So, what I actually pay is whatever I spend, up to $3000 in a year.
Anything I don't spend of the HSA in a year rolls over into subsequent years, so technically I could stop making any payments until my HSA account valued zeroed out. For various tax reasons, though, that's a bad idea.
Next year, I will probably up my HSA deposits a bit, as costs have jumped for a couple of medicines I take.
Don't know the $ amount, but I believe it's 50%
Quote from: jimmy olsen on September 25, 2013, 08:46:07 PM
Don't know the $ amount, but I believe it's 50%
That's a strange way round :mellow:
Me? nothing, it's entirely paid for by my employer. I pay taxes on it tho. Drugs are covered at 80% until I've spent 350$ then it's 100%.
My girlfriend pays 19$/month for the minimun coverage. We'd drop it entirely but we can't.
Quote from: Sheilbh on September 26, 2013, 07:31:32 AM
That's a strange way round :mellow:
As a premium, I'd agree with you, but 50/50 plans aren't uncommon here in the US; the premium's lower, but medical bills are split right down the middle.
Quote from: DontSayBanana on September 26, 2013, 07:46:45 AM
As a premium, I'd agree with you, but 50/50 plans aren't uncommon here in the US; the premium's lower, but medical bills are split right down the middle.
I meant I think I'd remember the $ figure but not be sure on the %.
I forget how much but isn't definitely not all that much. Prior to 1/1/2013 it was $0. But then my company grew too much to make that sort of a deal sustainable. :glare:
For single coverage I pay $27 biweekly for coverage, employer pays $234.
Dental is $9 for me and $9 employer contribution, biweekly.
I have a dental plan under my COBRA policy, but I've always kept a pay-as-u-go plan in the back pocket for the last several years since many small employers out there don't always offer dental with their health plans and I never knew where I'd land, so it's always been a $45/every 3 months insurance back up. Gonna need it January 1.
Quote from: DontSayBanana on September 26, 2013, 07:46:45 AM
Quote from: Sheilbh on September 26, 2013, 07:31:32 AM
That's a strange way round :mellow:
As a premium, I'd agree with you, but 50/50 plans aren't uncommon here in the US; the premium's lower, but medical bills are split right down the middle.
Yeah, most people don't even have a clue what percentage their employer pays; they just know what dollar amount they have to pay themselves.
I pay 100% of the cost for my medical and dental (me, wife and 2 kids) for a grand total of ~ $1,700.00 per month. :cry:
ouch
Quote from: dps on September 26, 2013, 03:12:32 PM
Quote from: DontSayBanana on September 26, 2013, 07:46:45 AM
Quote from: Sheilbh on September 26, 2013, 07:31:32 AM
That's a strange way round :mellow:
As a premium, I'd agree with you, but 50/50 plans aren't uncommon here in the US; the premium's lower, but medical bills are split right down the middle.
Yeah, most people don't even have a clue what percentage their employer pays; they just know what dollar amount they have to pay themselves.
Maybe he has it taken directly out of his paycheck.
Quote from: Peter Wiggin on September 26, 2013, 04:22:44 PM
Maybe he has it taken directly out of his paycheck.
That's standard. It then shows up on your pay advice.
$114 bi-weekly for my wife and me.