How much do you pay for health insurance? - FMVperformance.com : The site for all your Ford Mazda and Volvo needs
Reply
 
LinkBack Thread Tools
post #1 of 21 (permalink) Old 05-12-2008, 04:01 PM Thread Starter
Le Mans: Prototype Class
 
Join Date: Jun 2007
Posts: 1,813
Send a message via AIM to 11011101
How much do you pay for health insurance?

So I just got my Computer Science degree and got a salary position at work (w00t, etc). I haven't been on my parents' health insurance since January of this year, so I figured I should get some health insurance from work in case of the unforeseen. The cheapest insurance my company offers is ~$140/paycheck :shock: for Blue Care Network. So I signed up for it, but quickly canceled it after talking to my friends and parents about it.

With dental coverage (only $13/paycheck, I'm keeping it), I would have ended up paying $300/month for insurance that I would barely ever use. I could lease another car for that much money! I go to the doctor's maybe once or twice a year, and State Farm will cover any medical expenses if I ever crash my car.

How much do you pay for health insurance? What's a good company to go with for individual coverage if I ever need it?
11011101 is offline  
Sponsored Links
Advertisement
 
post #2 of 21 (permalink) Old 05-12-2008, 04:05 PM
F1 Driver
 
fatabbot's Avatar
 
Join Date: Dec 2062
Location: Suburbia, Texas
Posts: 17,662
Re: How much do you pay for health insurance?

I don't pay anything as my employer pays the full bill. However, when I was younger (21-22) and single I got a good individual PPO plan through Blue Cross/Blue Shield for around $80/mo. It's likely higher now, but probably still reasonable.

Having said that, at least get coverage to help you in the event of a catastrophe. There's no quicker way to wreck your finances for the rest of your life than being electively uninsured (not to mention it raises healthcare costs for those of us that actually choose to be insured).
fatabbot is offline  
post #3 of 21 (permalink) Old 05-12-2008, 04:06 PM
F1 Driver
 
Join Date: Jun 2005
Posts: 23,017
Re: How much do you pay for health insurance?

our health insurance is free, but we pay for our dental... I think its only like $13 a paycheck for me as well.

**not on this forum and not unless its in a for sale thread.
stephanie is offline  
post #4 of 21 (permalink) Old 05-12-2008, 04:12 PM
Senior Member
 
Alec trevelyan's Avatar
 
Join Date: Jun 2007
Location: Warwick, RI
Posts: 38,019
Re: How much do you pay for health insurance?

$0--fully company paid!


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Alec trevelyan is offline  
post #5 of 21 (permalink) Old 05-12-2008, 04:17 PM
F1 Driver
 
Join Date: Dec 2005
Posts: 2,917
Re: How much do you pay for health insurance?

Costco had a program for awhile. 61 bucks a month. Has a pretty high deductable, but I dont go to the drs when I get sick or anything. Its basically for broken bones, and bigger issues.

wetsuitxninja is offline  
post #6 of 21 (permalink) Old 05-12-2008, 04:20 PM Thread Starter
Le Mans: Prototype Class
 
Join Date: Jun 2007
Posts: 1,813
Send a message via AIM to 11011101
Re: How much do you pay for health insurance?

Yea, I've never had a broken bone, no surgeries, not even a remotely serious health issue, and I eat quasi-healthy.
11011101 is offline  
post #7 of 21 (permalink) Old 05-12-2008, 04:22 PM
F1 Driver
 
fatabbot's Avatar
 
Join Date: Dec 2062
Location: Suburbia, Texas
Posts: 17,662
Re: How much do you pay for health insurance?

[quote author=11011101 link=topic=111581.msg2307319#msg2307319 date=1210623626]
Yea, I've never had a broken bone, no surgeries, not even a remotely serious health issue, and I eat quasi-healthy.
[/quote]

If you want to pay a minimal amount, find a policy that strictly covers hospital stays, emergencies, etc.

Don't go w/o insurance any longer. You're one accident away from a lifetime of medical related debt.
fatabbot is offline  
post #8 of 21 (permalink) Old 05-12-2008, 04:25 PM Thread Starter
Le Mans: Prototype Class
 
Join Date: Jun 2007
Posts: 1,813
Send a message via AIM to 11011101
Re: How much do you pay for health insurance?

[quote author=fatabbot link=topic=111581.msg2307331#msg2307331 date=1210623724]
Don't go w/o insurance any longer. You're one accident away from a lifetime of medical related debt.
[/quote]

Well I'm covered for car accidents, and I really don't see any other type of accident happening. I don't do anything crazy or dangerous; I work, play Wii, um... yea I don't have a very exciting life.
11011101 is offline  
post #9 of 21 (permalink) Old 05-12-2008, 04:28 PM
F1 Driver
 
fatabbot's Avatar
 
Join Date: Dec 2062
Location: Suburbia, Texas
Posts: 17,662
Re: How much do you pay for health insurance?

[quote author=11011101 link=topic=111581.msg2307347#msg2307347 date=1210623927]
Well I'm covered for car accidents, and I really don't see any other type of accident happening. I don't do anything crazy or dangerous; I work, play Wii, um... yea I don't have a very exciting life.
[/quote]

I'm not trying to be abrasive, but this is part of the reason that everyone else has to pay so much for regular coverage. I pay more month to month (while it's not straight out of my pocket, I would be assured a higher salary in return for no coverage) because the system has to make up for the money they're losing when people like you require extensive treatment.

How much would you be willing to pay for internet/cable/cell phone, etc.? Probably pretty close to $300, yet you won't fork out that sort of dough for something that's much more important to your wellbeing and long term health.

Again, not ragging on you in particular. You're just part of a massive segment of the population that forgoes your responsibilities and puts the risk on everyone else...
fatabbot is offline  
post #10 of 21 (permalink) Old 05-12-2008, 04:30 PM
F1 Driver
 
Join Date: Dec 2005
Posts: 2,917
Re: How much do you pay for health insurance?

[quote author=fatabbot link=topic=111581.msg2307331#msg2307331 date=1210623724]
[quote author=11011101 link=topic=111581.msg2307319#msg2307319 date=1210623626]
Yea, I've never had a broken bone, no surgeries, not even a remotely serious health issue, and I eat quasi-healthy.
[/quote]

If you want to pay a minimal amount, find a policy that strictly covers hospital stays, emergencies, etc.

Don't go w/o insurance any longer. You're one accident away from a lifetime of medical related debt.
[/quote]


True story there. A month after getting mine I ate shit snowboarding, broke my collar bone. Not even a major deal right? Got a bill for it, it would have been 6 grand out of my pocket just for that. No hopsital stay or anything like that.

Vicodin = 8 bucks a pill, and I was prescribed 100. :shock:


Now imagine a car accident, where you are in a hospital for a few weeks, on IV's getting all kinds of pain meds, stayed a night or two in ICU

You can only imagine what type of bill that would be.





wetsuitxninja is offline  
Sponsored Links
Advertisement
 
Reply

  FMVperformance.com : The site for all your Ford Mazda and Volvo needs > Misc > Lounge

Quick Reply
Message:
Options

Register Now



In order to be able to post messages on the FMVperformance.com : The site for all your Ford Mazda and Volvo needs forums, you must first register.
Please enter your desired user name, your email address and other required details in the form below.

User Name:
Password
Please enter a password for your user account. Note that passwords are case-sensitive.

Password:


Confirm Password:
Email Address
Please enter a valid email address for yourself.

Email Address:
OR

Log-in










Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page



Posting Rules  
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On

 
For the best viewing experience please update your browser to Google Chrome