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Post by freecharlie on Aug 19, 2021 17:18:03 GMT
In the study posted on the waiving billing thread, this sentence stood out.
[/b]
And I wondered about here. If you have employer supplied health care (even if you pay for it, is your deductible higher, lower, or very close to this figure?
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Kerri W
Pearl Clutcher
Posts: 3,772 
Location: Kentucky
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Post by Kerri W on Aug 19, 2021 17:34:01 GMT
I didn't see the original thread. I'm assuming we are talking about health insurance?
I don't have a deductible on my health insurance, so I guess I'm technically in the "lower" category.
ETA-SO SORRY! I totally missed the "employer HEALTH plans". lol
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Post by Merge on Aug 19, 2021 17:42:19 GMT
Higher. Much higher when you consider the family deductible.
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Post by lurker on Aug 19, 2021 17:46:10 GMT
Slightly lower @ $1500 with a max out of pocket of $4500 which I met this contract year:(
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Post by bianca42 on Aug 19, 2021 17:46:49 GMT
I'm on a plan by myself and my deductible is $7,000. I don't remember what it is for the family plan.
DH and kids are on a separate copay plan, so they don't have a deductible. (That's a whole different story. DH's employer changed to where they only cover spouse if spouse doesn't have insurance offered through their work...doesn't matter if it's crappy insurance.)
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Post by buddysmom on Aug 19, 2021 17:51:25 GMT
We have a choice of 600 or 1200.
I did 600 for a long time (more expensive) but never met the deductible so a couple of years ago I switched to 1200 which costs less.
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Post by agengr2004 on Aug 19, 2021 18:01:13 GMT
Our deductible is $350/person not to exceed $1050 per family. Our maximum out of pocket cost is $6600/person not to exceed $13200 per family.
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Post by busy on Aug 19, 2021 18:06:14 GMT
We have been on a HDHP by choice. My former employer offered a $500 family deductible, a $1500 family deductible and a qualifying HDHP with a $2600 family deductible. Premiums were reasonable for the first two, but my employer covered the entire family premium for the HDHP, so we went with that and put what our premiums have been (plus more) into an HSA. It makes sense for us, as we're generally low insurance users - just preventative care. Of course, this year, DS broke his arm and we hit our deductible on that alone (we have not hit our deductible for the past 5 years, I believe). And a week after we hit our deductible, I'm changing jobs and we get to start over with a new deductible lol. This time we do not have an HDHP option, so our family deductible is only $500.
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Post by **GypsyGirl** on Aug 19, 2021 18:09:40 GMT
Our deductible is $3,000/individual, and $6,000/family. Maximum out of pocket are those same amounts. We pay 100% of all costs until we reach that $3,000/each, then insurance picks up 100% of the tab for the rest of the calendar year. There is an HSA account we use to pay medical costs from. DH's company provides the bulk of our HSA contribution and we contribute the rest to the maximum allowed by law. DH has been in the hospital since Aug 3. Since he made his deductible in late March due to some Rx that he takes, this entire stay has been fully covered, for which I am very thankful.
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Post by cindyupnorth on Aug 19, 2021 18:17:53 GMT
It's the maximum out of pocket cost that kills you. You think, oh, my deductible is this...and then they hit ya with....but....it just sucks.
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Post by Basket1lady on Aug 19, 2021 18:28:33 GMT
It’s about the best thing that I can say about Tricare insurance. If you have Prime insurance, you agree to see doctors at the military treatment facility first and need a referral for ANY sort of specialty care. But you have $0 copays and deductibles. Even for my college kids who had the other option (can’t remember the name but they see private doctors), they have a $1,000 deductible and then we pay 20% after that.
I’ve had incredible doctors in the system and some real doozies. I’m looking at you, Dumfries Family Health Center.
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Post by mnmloveli on Aug 19, 2021 18:36:29 GMT
I have a $4,500 deductible per person (my husband and I) and a maximum out-of-pocket per person of $8,700. Our monthly premium is $1,000 a month. Just crazy !
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Post by melanell on Aug 19, 2021 18:38:54 GMT
Lower. Both individually and as a family.
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Post by elaine on Aug 19, 2021 18:39:16 GMT
It’s about the best thing that I can say about Tricare insurance. If you have Prime insurance, you agree to see doctors at the military treatment facility first and need a referral for ANY sort of specialty care. But you have $0 copays and deductibles. Even for my college kids who had the other option (can’t remember the name but they see private doctors), they have a $1,000 deductible and then we pay 20% after that. I’ve had incredible doctors in the system and some real doozies. I’m looking at you, Dumfries Family Health Center. Tricare Standard is the other one. 😃 Tricare Prime is the one where you stick with MTF doctors where possible. I’ve had to see people outside the MTF system for my thyroid eye disease and my deductible was $1500. And then for my son’s ABA therapy for the past several years, we have to pay a $33 co-pay per session until we’ve paid $1500 in co-pays and then Tricare picks up the whole cost. We always hit the deductible within 6 months the past 3 years. |
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pinklady
Drama Llama
Posts: 5,563
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Post by pinklady on Aug 19, 2021 18:44:11 GMT
Since I rarely go to the doctor (1 time in the last 3 years), I have an HMO that is restricted to "in network". If I were to go out of network they don't cover any portion. I do not have a deductible and my OOP is $3,500.
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basketdiva
Pearl Clutcher
Posts: 3,622
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Post by basketdiva on Aug 19, 2021 18:58:26 GMT
Since I rarely go to the doctor (1 time in the last 3 years), I have an HMO that is restricted to "in network". If I were to go out of network they don't cover any portion. I do not have a deductible and my OOP is $3,500. No doctor visits? Mine are generally for once or twice a year for lab work- to be sure everything is ok since many diseases don't have blatant symptoms( thyroid,high cholesterol,etc).
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Post by Really Red on Aug 19, 2021 19:01:14 GMT
$11,500 - family. I have a good plan, too. Not the base plan. Last year I paid over $10K out of pocket PLUS my premiums which were probably about $8-10K
I have a new plan starting in Oct with my new company. I pay about $12-14K premiums but only (!!) a $6K deductible.
This for me and one child (medical, dental, vision)
I am not including critical care and LTD which I pay separately.
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smartypants71
Drama Llama
Posts: 5,714
Location: Houston, TX
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Post by smartypants71 on Aug 19, 2021 19:02:02 GMT
I *think* mine is $1600. I have Type 1 diabetes, so I meet that deductible by the end of Q1.
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Post by elaine on Aug 19, 2021 19:05:01 GMT
Since I rarely go to the doctor (1 time in the last 3 years), I have an HMO that is restricted to "in network". If I were to go out of network they don't cover any portion. I do not have a deductible and my OOP is $3,500. Please get mammograms! 😀 |
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Post by lily on Aug 19, 2021 19:14:22 GMT
Mine is $750
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Post by jenjie on Aug 19, 2021 19:22:55 GMT
No deductible here.
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Post by stormycat on Aug 19, 2021 19:29:17 GMT
We are 5,000 individual and 17,000 max oop. Our insurance runs a from 7/1 through 6/30.
I am currently on day 23 at the hospital following my sons brain surgery. We will hit our mac within the next week, as I only need 33.00 to make my oop max. My husband works for a company of under 50 employees, they do the best they can for our insurance.
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Post by busy on Aug 19, 2021 19:35:02 GMT
My husband works for a company of under 50 employees, they do the best they can for our insurance. I also work for a small company (~40 employees) and have a $500 family deductible, $3000 family OOP max. Monthly premiums are $400 for the family, including health, dental, and vision. Your husband's employer *could* do better by their employees but opt to prioritize other things. I hope your son is recovering well and can get out of the hospital soon. |
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Post by ~summer~ on Aug 19, 2021 19:42:59 GMT
Our out of pocket maximum for family of five is $3000/year
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pinklady
Drama Llama
Posts: 5,563
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Post by pinklady on Aug 19, 2021 19:52:16 GMT
Since I rarely go to the doctor (1 time in the last 3 years), I have an HMO that is restricted to "in network". If I were to go out of network they don't cover any portion. I do not have a deductible and my OOP is $3,500. Please get mammograms! 😀 So let me preface this by saying I do get my pap and mammograms although not every year. That is pretty much the extent of my Dr visits. Due to COVID, I haven't gotten either since early 2019. I was planning to go this year but now that COVID is ramping up, I'm rethinking it. I'm really trying to stay out of doctors offices/places where sick people go. |
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Post by elaine on Aug 19, 2021 19:54:50 GMT
So let me preface this by saying I do get my pap and mammograms although not every year. That is pretty much the extent of my Dr visits. Due to COVID, I haven't gotten either since early 2019. I was planning to go this year but now that COVID is ramping up, I'm rethinking it. I'm really trying to stay out of doctors offices/places where sick people go. 👍🏻 |
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Post by gizzy on Aug 19, 2021 19:55:13 GMT
Ours is $5000. and this is through an employer. I miss the days when I thought $50 was too high.
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Post by Linda on Aug 19, 2021 19:56:40 GMT
Our deductible is $3,000/individual, and $6,000/family. Maximum out of pocket are those same amounts. We pay 100% of all costs until we reach that $3,000/each, then insurance picks up 100% of the tab for the rest of the calendar year. There is an HSA account we use to pay medical costs from. DH's company provides the bulk of our HSA contribution and we contribute the rest to the maximum allowed by law. DH has been in the hospital since Aug 3. Since he made his deductible in late March due to some Rx that he takes, this entire stay has been fully covered, for which I am very thankful. that's pretty much the same as ours. Prayers for your DH - I hope he's on the mend |
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Post by Spongemom Scrappants on Aug 19, 2021 20:00:44 GMT
Our individual deductible is $490 with a $980 family max (three of us). Out of pocket max is $2800 individually and $5600 in total. It's the plan for state employees and really pretty generous.
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Post by freecharlie on Aug 19, 2021 20:21:46 GMT
So let me preface this by saying I do get my pap and mammograms although not every year. That is pretty much the extent of my Dr visits. Due to COVID, I haven't gotten either since early 2019. I was planning to go this year but now that COVID is ramping up, I'm rethinking it. I'm really trying to stay out of doctors offices/places where sick people go. oddly enough, the normal doctors around here are pretty safe. They ask that you do video visits if you have covid symptoms and then send you off for a test that is not done in the office |
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