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Medical insurance coverage is too costly. - Is it me?

Posted: Jan 24, 2010

My new job has told me I am now eligible for insurance. However, it is 227.00 per paycheck. My last job in May, I paid 58.00 per paycheck. Am wondering if they are charging me due to past diagnosis of early stage cancer or if this is what everyone is paying these days.

Thank you.

What I pay for an - Individual Policy

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$525 a month which includes medical, dental, vision, and a small life rider. My only "pre-existings" are BP and thyroid, I don't smoke, age 45. This was the least expensive for decent coverage I could find. This is for an individual policy, not through an employer.

I don't know how long I will be able to continue it. What keeps me paying is the thought of the expense of an injury or illness, in addition to the type of care I would likely receive as an uninsured.

A tidbit - sm

[ In Reply To ..]
Wow, that is quite a jump. but insurance is high. I pay almost $400 a month for individual policy separate from my job. When I considered saving a bunch of money (about 1/2 of that) and taking job's group insurance, with same insurance company even, but I was told by my agent that if I were to develop a chronic or serious illness, and loose coverage through the job, that the insurance company does not have to accept me back on private insurance. Where a group policy has to accept you, a private policy/company does not. Scary. So I opted to pay much more and keep my private policy.

Another option - MT in PA

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would be to get a High Deductable Insurance Plan. My family and I just signed up for one, as my employer's was too expensive and not really accepted where I live anyway, so we opted for private insurance. We only pay $225/month for 3 family members and have a $5,000 family deductible, which is high (hence the name) but at least we have something if anything happens. It also let us open an HSA acount, so we can save some money each month and deposit it in there in case any big medical expense pops up. This has prescription in there also, but you have to meet the deductible before they pay for anything, although well child visits, immunizations, and one physical a year for adults is covered 100% no matter what. We are happy with this for now, although I suppose if you have a lot of chronic conditions, this may not be the right choice for you, but it is just another option.

What we pay - FlaMT

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We pay about $500/mo for HMO family coverage (and that's not including the $$ hubby's company chips in for his portion). Yeah, we could be paying less if we wanted to go with a PPO w/deductible but when you have 2 boys, the HMO just gives us a better piece of mind.

All these differ per state as well, right? NM - just askin

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Healthcare - Judy

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After having Cobra for 18 months after my position was eliminated, BCBS would not take me on a personal policy as I had lapband surgery done. Even though they had covered me for 8 years, paid for the surgery and all aftercare, they now refuse to cover me because I had this done. I no longer am diabetic and have high blood pressure - doesn't matter. One option is our State Comprehensive coverage which is $275 for a $10,000 deductible or $407 for a $5,000 deductible; the other is to get a temporary policy for $160 a month for a $1200 deductible, but it does not cover anything preexisting. So if my knee hurt and I went in and it is something that has been coming on for years (not an injury), they would not cover it. It is only good for six months, but they could renew it for six months longer. That's it. Since the surgery, I have never felt better, so am going to go with the temporary for now in hopes that Congress can put something together to help me.

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