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Company health insurance question for self and spouse - Army72

Posted: Oct 16, 2013

What is the cost per paycheck for company health insurance for self plus spouse? Any feedback on the quality of coverage? Any help would be appreciated. Thank you.

At the current year's rates you will never be able to - afford. Coverage is minimal at best.

[ In Reply To ..]
I don't know about the coming year and what will be with all the new insurance changes, but currently it is very expensive and coverage really is more catastrophic than anything with high deductibles.

Insurance - anon

[ In Reply To ..]
I was hospitalized 2 years ago for an emergency condition and had Nuance Insurance and still owe the hospital over $6000. Cannot afford to carry insurance now with paying the hospital and worried that this happen again (totally out of my control). What are you supposed to do? Definitely, this insurance is only for a catastrophe!!

Got the insurance booklet today - very disappointing Nuance!

[ In Reply To ..]
They still have the only (slightly) affordable option premium-wise being the HDHP option, meaning you have to pay the entire deductible before you get squat and the deductible for a family is $7500!!! The premium for this is $360 every two weeks! Thanks to Nuance, I barely make more than that. So I guess even this crappy insurance will be for people who are literally working to get benefits. The employee only premium for this is $46 employee only - deductible $2500 - still basically the disaster insurance plan. The PPO plan is ridiculous, with $550 every two weeks for family premium and they still have high deductibles and OOP costs. Sheesh, Nuance, you are from Massachusetts and should be able to provide better!

The good news is if you live in a state that expanded Medicaid you are eligible to shop on the exchanges if you make as little as we make.

Also, if your state does not expand Medicaid:

"In general, employees who are offered insurance through work are not eligible for subsidized exchange coverage, so long as their insurance meets specified requirements. You would only be eligible for subsidized exchange coverage if your income is between 1 and 4 times the federal poverty level and you would have to pay more than 9.5% of your household income for your own coverage through the insurance offered by your employer." - Kaiser Foundation (nonprofit and nonpartisan)

Hey, Bingo! I could be wrong but I think this means Nuance can take their crappy insurance and stuff it where the sun don't shine because IT COSTS TOO MUCH and DOESN'T PROVIDE ENOUGH COVERAGE and any exchange plan is going to be better and more affordable than that garbage. I'm definitely going to take the time to figure it out when I stop being so tired. From typing all the time and getting nowhere.

Way to rise to the occasion, Nuance.

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