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

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    People aren't concerned about their health. They whine about their finances. If they get sick they will go bankrupt blah blah blah.....If people worried about their health they wouldn't be fat, they wouldn't drink, they wouldn't smoke...If you are worried about health....get healthy. If you are worried about your finances get a second job...but PLEASE....STFU
    Posted by nashville0303

     
  2. You have chosen to ignore posts from MrBostn. Show MrBostn's posts

    Re: How much do you pay for health care?

    Dogwood,

    Do have a ppo or an hmo? Any deductable? How old are you?
    These three things (and others I'm sure) fomulate your premium.

    Also I'm assuming you're self employed (or unemployed). Don't confuse the premiums of people who work for a company that subsidizes the cost.



    Call your rep and ask about a different plan to change to when it's renewal time
     
  3. You have chosen to ignore posts from zootiechimp. Show zootiechimp's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    People aren't concerned about their health. They whine about their finances. If they get sick they will go bankrupt blah blah blah.....If people worried about their health they wouldn't be fat, they wouldn't drink, they wouldn't smoke...If you are worried about health....get healthy. If you are worried about your finances get a second job...but PLEASE....STFU
    Posted by nashville0303


    YOU CERTAINLY ARE AN IGNORANT JACKA$$. I WAS CONSIDERED THE EPIDEMY
    OF HEALTH UNTIL 6 MONTHS AGO.  NO FAMILY HISTORY, COMPETED IN TRIATHALONS.  I GOT CANCER, NOW IN REMISSION; IT RUINED ME AND MY FAMILY'S FINANCES.  I'M A FISCALLY CONSERVATIVE PERSON, BUT NOW IN FINANCIAL DISPAIR BECAUSE OUR INSURANCE PLAN DOESN'T COVER A LOT OF
    THE PROCEDURES (READ THE FINE PRINT)  I WOULD HAVE BEEN BETTER WITH COBRA.
     
  4. You have chosen to ignore posts from axman96. Show axman96's posts

    Re: How much do you pay for health care?

    BCBS individual PPO $82/month.  $20 copay, I think $30 for a specialist.  Not sure of the other details of hand, because I never get sick and I don't need anything beyond a very infrequent office visit.  My company has a presence in MA but since their corporate headquarters are in NJ, I get the BCBS NJ plan, so that might be why my insurance is rather inexpensive. It must be cheaper than the BCBS MA plan, since it is well known that the MA plans are the most expensive in the US of any state. 

    I also contribute $40 per month to an HSA, so $480 per year.  I haven't used it much but I like having it.  At this rate I'll have ~$400 that I have to use between now and the end of the year or else I lose it.  I wish they would allow you to roll that $ over into next year, so I don't have to waste it on something this year, when I may end up needing it more next year.
     
  5. You have chosen to ignore posts from Grog29. Show Grog29's posts

    Re: How much do you pay for health care?

    Latest Poll...
    "Opposition To Helahcare Refom Reaches New High":
    http://www.rasmussenreports.com/public_content/politics/current_events/healthcare/september_2009/health_care_reform

     
  6. You have chosen to ignore posts from Grog29. Show Grog29's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Latest Poll... "Opposition To Helahcare Refom Reaches New High": http://www.rasmussenreports.com/public_content/politics/current_events/healthcare/september_2009/health_care_reform
    Posted by Grog29


    Oh, and I pay $16.00 weekly for Individual Plan with $16.00 co-pay for 9o days worth of generic prescriptions.  No office visit co-pays. And $150. rebate for any gym membership.
     
  7. You have chosen to ignore posts from skipper2115. Show skipper2115's posts

    Re: How much do you pay for health care?



    With rates like these ...it's easy to see why the Insurance companies are fighting against a public option!!!!

    They want your money...more and more each year until they have it all!!
     
  8. You have chosen to ignore posts from movingtarget2. Show movingtarget2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Anyone who fears health reform because of the "added cost" hasn't thought the issue through.  Whether you pay higher taxes, or the cost of your benefits continues to rise by 10 percent per year, you're paying a "tax."  That tax is to pay for all the uninsured and underinsured that get healthcare services.  To say that we don't need to reform healthcare is a JOKE.
    Posted by ghamann


    Exactly.
     
  9. You have chosen to ignore posts from movingtarget2. Show movingtarget2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    In Response to Re: How much do you pay for health care? : Excellent point - it is no longer about us getting coverage, but about the insurance companies making sure they are the next 'Wall Street'. I cannot wait for them all to start falling and the CEO's with 10Million dollar a year salaries are collecting UI - cannot happen soon enough for me. 131 per week for husband and wife plan = 6,812.00 per year - I pay and my company ponies up another 5000.00 per year! 25 doctor co-pay 100 ER 15/30/50 prescriptions No MRI - out of pocket I wouldn't mind but I get 1 prescription per month and 3 doctor's visits per year, my husband REFUSES to go to the doctors and takes no prescriptions (but I am FORCED by the Nazi's in this state to have health insurance!?!?!?) So the actual costs are what? 300.00 for the doctor's visits 1000.00 for the prescription Gee, I would rather pay the 1300.00 for WHAT I ACTUALLY USE vs. supporting a bunch of illegal aliens. So I vote the Illegals be removed from MY country - I have enough work to support my own family without supporting a criminal. ILLEGAL ALIENS NEED TO BE TOSS OUT OF THE USA NOW.
    Posted by RedSox13



    Are you willing to pay extra for that?
     
  10. You have chosen to ignore posts from movingtarget2. Show movingtarget2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    As I am reading what other people pay per month I don't understand how Blue Cross figures out that I should pay $1485 as a single individual with no dental.  Does anyone know how they came upon this ridiculous figure?  For two people we will pay $2970 a month.  This is highway robbery. No matter what I do now Blue Cross has gotten so much of my money already that this is a lose-lose situation for me.
    Posted by dogwood


    That is high.  Don't blame Blue Cross.  Blame your employer.  All HMO plans are custom plans negotiated by the employer.  There is no such thing as a standard rate.
     
  11. You have chosen to ignore posts from Besthomes. Show Besthomes's posts

    Re: How much do you pay for health care?

    In Response to How much do you pay for health care?:
    While health insurance premiums rose modestly last year, according to a recently released report , many expect larger cost increases in the years ahead. How much are you paying for health care this year? Have you changed your coverage to decrease costs?
    Posted by BDCBusinessStaff

     
  12. You have chosen to ignore posts from Besthomes. Show Besthomes's posts

    Re: How much do you pay for health care?

    2 person coverage - both self-employed, 58 years old - $902. per month which is our largest bill each month.

    We just received notice from BCBS that our premimiums will increase 48.5% in November! 10% would be a great deal. So of course, we will change coverage, the way we have every year for the past 16 years and get less coverage in order to keep our already outrageous premiums the same, and hope we don't get sick...this is the Massachusetts model!
     
  13. You have chosen to ignore posts from dogwood. Show dogwood's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Dogwood, Do have a ppo or an hmo? Any deductable? How old are you? These three things (and others I'm sure) fomulate your premium. Also I'm assuming you're self employed (or unemployed). Don't confuse the premiums of people who work for a company that subsidizes the cost. Call your rep and ask about a different plan to change to when it's renewal time
    Posted by MrBostn


    I have a ppo blue cross elect. I have gotten a walgreen's card because any prescription I need is cheaper not going through the Express Scripts  pharmacy benefit manager at all.  I rarely go to the doctor but I grew up with my parents' values  that we should have good insurance in case a problem arises. Lucky nothing has and even if it did, I am sure one of their benefit management companies like express scripts and american imaging group or health intergrated systems or physician health services in Waltham  would deny me to death any real benefits as it did for my one and only sister's hospitalization and she was paying $1340 a month 4 years ago.
     
  14. You have chosen to ignore posts from dogwood. Show dogwood's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    In Response to Re: How much do you pay for health care? : That is high.  Don't blame Blue Cross.  Blame your employer.  All HMO plans are custom plans negotiated by the employer.  There is no such thing as a standard rate.
    Posted by movingtarget2


    Not my employer because I am self insured.  This was blue Cross's price to me. this is the best of a bad lot of plans . I used to be in a blue cross indeminity plan called master medical where I paid 20 per cent after 25 dollar deductible every three months for doctor visits.  Blue Cross charged even more for that.  They no longer offer that plan and the premiums were supper exorbinant. I think it had something to do with the doctor's being able to charge the plan more. Blue Cross assured me this would be lower as a ppo is considered managed care. so my new yearly rate will be $17820.00.  Add the same for my husband and we will be paying $35,640 a year for two.
     
  15. You have chosen to ignore posts from she1rry. Show she1rry's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    Boo-Hoo - Good to see all you MA MoronsLibs taking it up the - . The Commonwealth stuck its fingers into your healthcare and that seems to be working well for you (NOT) Wait till Obama adds his 'health care' on top and you'll be longing for the good old days of 2009/10.
    Posted by umustbekidding

    What state do you live in, how much do you pay for your healthcare and what plan are you covered by?  Honestly curious.



     
  16. You have chosen to ignore posts from movingtarget2. Show movingtarget2's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care?:
    In Response to Re: How much do you pay for health care? : Not my employer because I am self insured.  This was blue Cross's price to me. this is the best of a bad lot of plans . I used to be in a blue cross indeminity plan called master medical where I paid 20 per cent after 25 dollar deductible every three months for doctor visits.  Blue Cross charged even more for that.  They no longer offer that plan and the premiums were supper exorbinant. I think it had something to do with the doctor's being able to charge the plan more. Blue Cross assured me this would be lower as a ppo is considered managed care. so my new yearly rate will be $17820.00.  Add the same for my husband and we will be paying $35,640 a year for two.
    Posted by dogwood


    Even for a self-insured plan that is egregious.  My biggest complaint with the status quo is that you need to do this for a living in order to understand and be knowledgable on all the differences in thousands of plans.  And even then the rules change every year.  Even the smallest doctor's office needs a full time person to manage the HMO billing.  How is a layperson supposed to make an informed decision?  I'd say somehow you got conned, but how can you knowledgably compare plans?
     
  17. You have chosen to ignore posts from roaringbrook. Show roaringbrook's posts

    Re: How much do you pay for health care?

     $9.75 an hour or over $19,000 a year.  It is time for a national plan.  Think of the additional money Americans would have if this got done in the 1990's. 

     
  18. You have chosen to ignore posts from Gipples. Show Gipples's posts

    Re: How much do you pay for health care?

    In Response to Re: How much do you pay for health care

    Dogwood,

    Your insurance premiums are ludicrous. There has to be a plan available for a lot less money. Call your insurance rep. as soon as possible. Ask around and see what your friends and family are paying and what they're getting.  You owe it to
    yourself.

    Good luck.
     
  19. You have chosen to ignore posts from Patriotfan186. Show Patriotfan186's posts

    Re: How much do you pay for health care?

    $351.00 per month for a BC/BS PPO with a $2000 deductible and then 20% co-pay of anything over that. It was the cheapest plan I could find. The big joke was the cost of the plans on the Comm. of Mass. site for those looking for insurance: all those plans cost much more.
    However, as a semi-retired self-employed person, I usually only "earn" $100 per year in my business, so I can't deduct any of these payments. I do, however, send in a cheque for 4-6 months of premiums, because the banks don't pay much interest on that money, and the 44c postage rate is high, so I save a couple bucks that way.
    I can't understand why the health insurers can't give us a discount for paying one lump sum instead of paying monthly; after all, the homeowner's, automobile, and life insurance companies give us a discount when we pay in one annual payment.
    The thought that the Democrats are going to help us is one big joke! At least John McCain was willing to let all of us deduct the cost of health insurance on our tax forms. If the government really cared about us, they'd let us deduct the cost of the health insurance, instead of allowing us to do so only with itemized deductions if they are over 7% of your income.
     
  20. You have chosen to ignore posts from cc3eighty. Show cc3eighty's posts

    Re: How much do you pay for health care?

    That's and interesting and confusing question. Because, in addition to the healthcare premiums I pay, 30% of my realestate taxes go to subsidize the healthcare costs of our town employees. If I buy a car, $3000 goes to subsidize the heathcare costs of auto workers. If I buy anything, a portion of the cost subsidizes the healthcare cost of an employee. One can easily see that the cost of healthcare is borne in many strange ways. In the near future, we all will be paying addition taxes or fees to cover the heathcare costs of others. In the curtrent debate over healthcare, it is difficult to discern just where our future true costs will appear.
     
  21. This post has been removed.

     
  22. You have chosen to ignore posts from mmmz. Show mmmz's posts

    Re: How much do you pay for health care?

    "How much are you paying for health care this year? Have you changed your coverage to decrease costs?"

    Our portion of our family plan cost almost $400 per month.  I don't have an option to change coverage to decrease costs because my employer offers only 2 plans from only one insurer (and this is already the less expensive one) because that's how they negotiated the lowest premiums.  But the coverage is good and unfortunately we use it a fair amount.  The crazies in Washington want to tax this plan now.  Make no mistake, whether they charge the "tax" directly to the insurance companies or directly to us, we will pay in the end either through yet higher premiums so the insurance companies can recoup the tax or via a direct tax to us.  So how is "taxing" these good plans that you need if you ever have anything at all wrong with you going to lower my costs?????????????????  Why not just be honest in Washington and tell me that you want to tax my income at the same kind of rate that they get taxed in places like Canada because you want to cover all the people who can't afford it...  that would be more honest and folks could at least understand what the heck they're talking about.  It's like if you call it a turkey even though it's quacking and looks like a duck, they think we're stupid enough to believe it's a duck.  And the ones who think that we have a moral obligation to do anything at all necessary to insure everyone pretend that they see a turkey also.  Just admit it's a duck and tell me you're going to make me pay for it.
     
  23. You have chosen to ignore posts from seanpatrick. Show seanpatrick's posts

    Re: How much do you pay for health care?

    who pays the tax the employer or employee? what if the plan is split betwen the two?
     
  24. You have chosen to ignore posts from slumerville. Show slumerville's posts

    Re: How much do you pay for health care?

    $525/month with 6K deductable for family of 4 (meaning I pay 100% up through the deductable before anything kicks in outside of negotiated rate support from the carrier) - I should mention I am a remote employee of an out of state company which is one reason why this plan is horrible.  Tried to go it alone via MA Health Care Connector but it is a joke as its plans are no better.  It is not lowering our costs but increasing them - People may think my plan is bad but soon you will all have this type of high deductable HSA plan b/c your employers will no longer be able to support the health care costs that are rising almost exponentially year over year.  We need tort reform and a move away from defensive medicine which is a killer.  We will ultimately have a govt plan whether we pass it now or have to resort to it later when the system totally blows up.  Nobody complains about the public school system, why do so many complain about a public option?
     
  25. You have chosen to ignore posts from proftom. Show proftom's posts

    Re: How much do you pay for health care?

    Lost job in the fall of 2008. Next to nothing left after bills. Unemployment helped, but it ran out. Having to drain 401K just to survive. Pick up contract work occasionally. Had to drop health care after three months. Focused on staying healthy for the last 20 months.  Smart idea. I'd highly recommend it to anyone.

    I was on a couple of med's when I had insurance and could afford them. But when the money ran dry O had to get off them. Best thing I ever did. I started walking 5 miles a day, eating a lot less, but eating better stuff. The car had to go so I walk everywhere now. But, I discovered when it went so did a lot of my bad habits. 

    My life is a lot better now. I eat right, get lots exercise, and appreciate the little things in life more.  I no longer work for corporate America. And, when I do land contract work I really enjoy the work better.  I've learned to stretch a buck a very long way. 

    Healthcare? I figure I have the best healthcare plan in the world in not having one because I take care of myself better than I ever have. Funny thing? I work in the healthcare business.          
     
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