How much do you pay for health care?

  1. You have chosen to ignore posts from Laura156. Show Laura156's posts

    Re: How much do you pay for health care?

    In Response to How much do you pay for health care?:
    Thru 3/24/10, family plan BCBS, self employed. $1,0000/$2,000 deductible: $1,084.59.  Increase as of 3/25/10, same coverage: $1,679.13.  I just laughed when I saw my new bill.....before I cried.  Switching to Harvard Pilgrim, higher deductible and no drug benefits but only $1,189.00.  Thank you Mitt Romney.
     
  2. You have chosen to ignore posts from bt1960. Show bt1960's posts

    Re: How much do you pay for health care?

    It is hard to calculate total "health care" costs.  We forget to think about all the components, including: (1) pharmaceuaticals and/or lab tests and/or treatments not covered by a plan, (2) dentists visits not covered by a plan, (3) optometrists visits and prescriptions not covered by a plan, (4) elective surgery and elective birth control, (5) non-prescription meds (cold medicines) , (6) vitamins and supplements, (7) skincare products like sunscreen, (8) time off from work (unpaid sick days for self and family), (7) gas expense to and from doctor's office, (8) lost time waiting in the office or hospital for self or a loved one, (9) follow-up visits related to ineffective treatment or mis-diagnosis (with same doctor or another one), (10) holistic treatments such as massage, nutritionist, fitness guru, and herbal remedies.  And, those who have to borrow money to pay for health care costs incur interest costs on the borrowings (at usually high rates of interest via a credit card).
    But this is not about "health care" reform, it's about "insurance reform."  I challenge anyone to get from a doctor, nurse, or anyone in a doctor's office a quote for services rendered (before they are rendered or even immediately after they are rendered).  What other business practice operates without full disclosure of costs associated with delivery of services?  If we just got to the point where costs/estimates are disclosed, it would be a major leap in the right direction.  How else can you regulate the industry and/or help consumers manage costs if you don't know what a procedure or visit will cost?

     
  3. You have chosen to ignore posts from BankerfromBoston. Show BankerfromBoston's posts

    Re: How much do you pay for health care?

    Retired (entire premium paid out of pocket, no subsidy), family (with 2 teens), BCBS PPO, $15 copay ($25 specialist), no individual or family deductibles, $500 hospital copay/admission, emergency room copay $100, prescription drugs (90 day by mail, $20 - generic/$50 - preferred/$80 - non-preferred) ----- $2,077/month
     
  4. You have chosen to ignore posts from bstn12112. Show bstn12112's posts

    Re: How much do you pay for health care?

    I'm a student and pay something around 900 a year for health insurance which isn't too shabby, except it doesn't do much for preventative care - ie - when i get my yearly physical, i have to pay for it (lab work and all), unless i'm diagnosed with some sort of illness which, in this case, my insurance would cover some? so much for prevention.
     
  5. You have chosen to ignore posts from rrsafety. Show rrsafety's posts

    Re: How much do you pay for health care?

    Family insurance plan: $17,000 a year (employer pays 80%)
     
  6. You have chosen to ignore posts from fatchoice. Show fatchoice's posts

    Re: How much do you pay for health care?

    BCBS PPO, $1200 for family of 4. More money for less care. Where did the money go?

    Government can raise taxes. Insurers can hike rates. Retailers can increase prices. Good luck asking your boss for a promotion (if you still have a job)! 
     
  7. You have chosen to ignore posts from nomass. Show nomass's posts

    Re: How much do you pay for health care?

    Work for a Fortune 100 Company which is self-insured, sort of like a "single payer" system.  Our "health plan" is not covered under any MA insurance laws but has to be compliant with "minimum creditable coverage" under the Reform Law.  It costs my husband (60) and me (63) $1840.00/year for a $250 pp deductible per year.  After $250 pp satisfied, they pay 85% of negotiated rates up to a maximum per person out of pocket cost of $2,000 per year per person. After the $2,000 is satisfied, employer covers 100% of costs.  My husband and I would have to use approximately $13,000 each  of health care services each year to get to the 100% level.  Prescriptions are covered at 80/20 with no co-payment.  My employer estimates that a Employee + Spouse Plan costs them about $10,000/year.  Add in my premium for this plan, $1840.00,  and it puts it at about $12,000 a year for two people.  The plan includes 1 free physical per year, including gynecological, mammogram and colonoscopy tests.  The dental is additional ($12/week) and covers about 60% of costs. 
     
  8. You have chosen to ignore posts from peabeetwo. Show peabeetwo's posts

    Re: How much do you pay for health care?

     My wife and I live in New Hampshire and have "retired" from our careers in our
    early 50's. Our employer, like the majority of employers in this country has no
    program to stay on the company medical plan until age 65.

      Therefore, we pay own medical insurance. Unlike Massachusetts, where you are
    not dinged for pre-existing conditions, that is not true elsewhere. For example,
    in New Hampshire, you cannot be refused medical insurance, but CAN be charged
    for pre-existing conditions.

     In the case of my wife and I, we are in our early 50's, and my wife has borderline
    type 2 diabetes, which is well understood and controlled by diet, drugs and exercise.  Otherwise, we are healthy. So, what is the cost of our insurance
    policy? Our policy is $850 a month, plus each of us has a $6000 dollar ceiling before the insurance company pays a dime.

      Last year, we spent $16,000 out of pocket for medical. The year before we
    paid $18,000 out of pocket for medical. How much did the insurance company
    pay out the last two years? The answer is nothing, zero, nada.

      As far as medical reform goes, I'm all for it. When the playing field is leveled,
    my wife and i can only be winners.
     
  9. You have chosen to ignore posts from equalaccessforall. Show equalaccessforall's posts

    Re: How much do you pay for health care?

    Harvard Pilgrim recently raised my family premium 34% from $875/mo. to $1,173/mo. They offer 25 plans, the one we have is the 3rd least expensive option, meaning 22 of their other plans are more expensive for us!  On top of the annual premium of $14,076 we have a $6,000 annual deductible, additional co-pays and co-insurance requirements.  Therefore we must pay out of pocket over $24,000 before HP pays a dime!!!  Thanks alot Mass. Health Reform...good job keeping the costs down, you bunch of losers!!!  And you think the federal health plan should be modeled after our State's plan?  What are you jerks smoking?  I am looking into what it will take to repeal the Mass. mandate that we must purchase health insurance or pay a fine.  This has to be unconstitutional some way some how, and I will figure it out with my attorneys, and start the process to file a class action suit to stop the nonsense !!!!!!!!!!!!!!!!!
     
     
  10. You have chosen to ignore posts from Miker3709. Show Miker3709's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Health Care system is totally fine...clearly, we don't need any new legislation.  Increased rates and decreased coverage on a yearly basis is just part of the American dream.
    Posted by johnnyahab


    Clearly,  you are an idiot!
     
  11. You have chosen to ignore posts from LuvThisTeam. Show LuvThisTeam's posts

    Re: How much do you pay for health care?

    Tufts Health Plan $1470 a month family plan, deltadental $124 a month, employer pays 50% of that. 25 OV, 100 ERV, $1000 deductible.
    Small company less than 10 employees and I guess it is all going up 15% this year according to the recent article.. all I can say is OUCH. Something is terribly wrong with our healthcare system.
    There is probably plenty of blame to go around, insurance company, high exu pay in healthcare industry.
    A couple of points.. I read in my local paper about a women who's medicine cost over 200K a year, she had some rare disease.  On one of those news shows, they talked to a 90 year old man and his family with terminal cancer who just got a 40K pacemaker for his bad ticker, he died shortly there after.
    Women having children after menopause is a very costly pregnancy. These should not be a covered expense, just my opinion. 
     I have thought for awhile now I should have gone into nursing instead of accounting, as I have a couple friends who are RN's who have nice 6 figure jobs with great benefits working in Boston hospitals. All of these are examples of why medical costs keep going up.
    People talk about rationed care, it's already rationed, we just have to do it more wisely..
     
  12. You have chosen to ignore posts from slugh. Show slugh's posts

    Re: How much do you pay for health care?

    Work for the state of Mass., so I have it easy. I don't do anything at work, rake in thousands in overtime, and just bide my time waiting for the cushy pension to kick in when I'm 50,  and I pay essentially nothing for healthcare.  Right?

    Not so fast.  Haven't gotten a raise in years because the taxpayers hate state employees and thnk we do nothing so we're an easy target to whenever budget cuts comes along. No overtime. I work as much as I'm required:  40, 50, 60 hours a week, including nights and weekends.  No overtime pay, no comp time.

    Health insurnace:  Single. I pay about $150/month premium, plus a co-pay for every dr. visit (varies -- typically $30 and it's  gone up twice in the last six months), annual deductable of $250 (they just added that), Rx copays ranging from $10 to $60 if I recall correctly.  Hospital visits, ERs, even routine blood tests, etc. have out of pocket costs ranging from $75 to $500 after the deductible.

    Raises to all of these were invoked with no input in August 2009 and again in February 2010. We can expect another round of raises in August 2010. And again, since our salaries have been frozen since well into the 20th century, there's nothing we can do to off-set these costs except not go to the doctor.
     
  13. You have chosen to ignore posts from votethemallout. Show votethemallout's posts

    Re: How much do you pay for health care?

    Tufts $500 month (as of 4/1/10) for very few benefits, 16.5% increase in p.remium. Had a policy through an out of state company before being forced into Comm. Choice to avoid tax penalty - I had a lower monthly premium, lower deductible, more covered tests etc. but no prescription coverage (don't take any meds and if I do I can get a generic at Walgreens for$4.00 - not the $20 plus dollar co-pay on my Tufts policy), but was considered "non-compliant" per our leaders. Had some tests this summer and had to pay $2,000 towards my deductible, had same tests done 2 years ago under my noncompliant policy and paid $0.00 out of pocket! Thank you Massachusetts and Tufts for forcing me (and lots of others I'm sure) to put my medical costs on my credit card! Our leaders say they care, but if they really cared we'd have the same coverage that our State leaders (and our Federal leaders) have at a minimal cost! I'd love to see this post placed on the "Testimonial" section of the MassHealth Connector's website. Feel free to pass my post onto others!   
     
  14. You have chosen to ignore posts from transplantedNYer. Show transplantedNYer's posts

    Re: How much do you pay for health care?

    $726 premium/month for family of 4 from BCBS, soon to go up to $820. $20 copays, $250 copay for hospitalization. Employer pays 80% of single person's portion of family policy. Medical expenses & health insurance are about 10% of our gross income (pre tax) per year. And we are all healthy.
     
  15. You have chosen to ignore posts from rework. Show rework's posts

    Re: How much do you pay for health care?

    48 - self-employed - BC/BS $450 a month with a $2,000 deductible, co-pays and coinsurance.  But I haven't gotten my increase yet.  Last year's increase was 12% and the year before was 10%.  Being 48, I have already realized that by the time I'm 50, I won't be able to afford health insurance.  But per order of the state I am covered for maternity (which I don't need) and fertility treatments and invitro-fertilization and comprehensive drug coverage, etc.  I guess the state thinks that pricing me out of health insurance so I have no coverage is better than me having any coverage.
     
  16. You have chosen to ignore posts from southie77. Show southie77's posts

    Re: How much do you pay for health care?

    Single plan high deductible first $1500 and $148 a month after the deductible is used up high copayments of about $25-$35 depending what it is.


    The municipal union workers still fighting their $5 copay increases?

    So, I thought the Massachusetts model of healthcare for all was going to reduce our costs? Is that why we ranked dead last of all 50 states in terms of affordability of health care? Obamacare is based on us?
     
  17. You have chosen to ignore posts from mumbles. Show mumbles's posts

    Re: How much do you pay for health care?

    Well, now we see what the "Tea Party" people are clamoring for: More and more $$$ to insurance companies. But, hey...it's socialism to have a national healthcare system that may be able to hold down costs. This is what the modern day Republican party loves: Big business (in this case insurance and drug companies, not to mention wealthy doctors) putting the screws to the middle class. Thats right...Republican right wing nuts hate the middle class and want it destroyed. That way, just two classes in this country: The Haves and the Have Nots. Just like Venezuela, or Brazil. The rich live in their gated manses with lots of private security to keep out the hungry and the poor. Which will be the rest of us.
    So much easier to get your way when most of the population is too hungry, sick and homeless to get in your way. When will people wake up and realize that the Republican party was hi-jacked by the far right wing long ago? What amazes me is that the working class folks who are getting screwed the most...are the ones voting for these wingnuts! Talk about fiddling while Rome burns...
     
  18. You have chosen to ignore posts from samoy2e. Show samoy2e's posts

    Re: How much do you pay for health care?

    I have blue cross from my full time job which is the government and i pay 80 every two weeks while the government pays the rest w hich they pay 167 every two weeks.  Insurance is very expensive big time.  every time we get a wage increase, insurance goes up bigtime.  not easy at all.  So I do not want to insurance to go up any further ok.  from, pam

     
  19. You have chosen to ignore posts from southie77. Show southie77's posts

    Re: How much do you pay for health care?

    mumbles you moron, the insurance company profit margin is way down the list compared to other products like many of the things you buy at your grocery store. Someone posted an archived article from Boston.com of all places in the other discussion which debunks the myth that insurance is making money hand over fist while we all die. You liberals are CLUELESS.
     
  20. You have chosen to ignore posts from Tuscarora. Show Tuscarora's posts

    Re: How much do you pay for health care?

    I'm single and self-employed and age 63. My premium for Fallon just has gone up from $386 to $472, quite an increase. And I still have a $2,000 deductible. I look back at what I was paying when I first became self-employed and find that I had a reasonable deductible of $500 and was only paying 200-some dollars. I actually wouldn't mind the increase in cost nearly so much if I could still have the same coverage I had then. 
     
  21. You have chosen to ignore posts from axehind. Show axehind's posts

    Re: How much do you pay for health care?

    I pay $350 a month for a HMO for my 5 person family. $250 deductable starts on the first of the year. ER visits are $50. Doctors visits are $25. Scripts are $10, $25, and $45. I probably pay at least $200 a month in scripts and doctors co-pays.

    Healthcare either needs to be fixed or the government should make it universal. It's that easy to me.
     
  22. You have chosen to ignore posts from Maclen. Show Maclen's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Family plan for TWO!  $5 co-pay.  $5 per month supply for most drugs.  Employer pays 50%.  I pay other 50% which comes to almost $7000 annually or almost $14,000 a year.  FYI, in Canada... Universal Healthcare WITH "Private Supplement" and EI (Employment Insurance) costs less than $6000 per year.  Read this and drool...  http://www.servicecanada.g c.ca/eng/ei/types/special. shtml#Parental3
    Posted by Otis


    Then move to Canada.
     
  23. You have chosen to ignore posts from Maclen. Show Maclen's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    I pay $350 a month for a HMO for my 5 person family. $250 deductable starts on the first of the year. ER visits are $50. Doctors visits are $25. Scripts are $10, $25, and $45. I probably pay at least $200 a month in scripts and doctors co-pays. Healthcare either needs to be fixed or the government should make it universal. It's that easy to me.
    Posted by axehind


    Government intervention of any kind is NOT the solution to what ails this countries healthcare woes.
     
  24. You have chosen to ignore posts from Maclen. Show Maclen's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Well, now we see what the "Tea Party" people are clamoring for: More and more $$$ to insurance companies. But, hey...it's socialism to have a national healthcare system that may be able to hold down costs. This is what the modern day Republican party loves: Big business (in this case insurance and drug companies, not to mention wealthy doctors) putting the screws to the middle class. Thats right...Republican right wing nuts hate the middle class and want it destroyed. That way, just two classes in this country: The Haves and the Have Nots. Just like Venezuela, or Brazil. The rich live in their gated manses with lots of private security to keep out the hungry and the poor. Which will be the rest of us. So much easier to get your way when most of the population is too hungry, sick and homeless to get in your way. When will people wake up and realize that the Republican party was hi-jacked by the far right wing long ago? What amazes me is that the working class folks who are getting screwed the most...are the ones voting for these wingnuts! Talk about fiddling while Rome burns...
    Posted by mumbles


    The mindset of the typical demogog left wing ACLU card carrying liberal extremists towards people who own their businesses. Which results in providing jobs for people, and lastly God forbid they make more than middle class income for their long hours and tireless efforts always ceases to amaze me.
     
  25. You have chosen to ignore posts from CAROL02451. Show CAROL02451's posts

    Re: How much do you pay for health care?

    3 months ago my premium in additon to medicare  of $96.40 was $120.10 and then went to $187.20 under Harvard Pilgrim.  And I pay $1000 a year out of pocket for prescription.  Of course, I had to take a lesser plan being on social security but our state and federal government let these things happen.  They need to approve these hikes and they do.   A lot of ss is going to insurance and we don't need to worry about anyone else scamming us, the insurance companies are doing a fine job with the governments help.
     

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