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05-03-2008, 05:03 PM
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Senior Member
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Join Date: Apr 2008
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Employment Health Insurance in GA
Do most employers in Atlanta cover the entire family's health insurance (employee, spouse, kids)? Or do most employers expect for the employee to pay for the total cost of health insurance?
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05-03-2008, 05:53 PM
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Senior Member
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Join Date: Jul 2007
Location: Marietta, GA
3,957 posts, read 2,007,176 times
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Quote:
Originally Posted by bayarea-girl
Do most employers in Atlanta cover the entire family's health insurance (employee, spouse, kids)? Or do most employers expect for the employee to pay for the total cost of health insurance?
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I think it will depend on the size of the company and whether they are national/international or just a small local business. It will also depend on the industry or line of business. The trend in most companies is a shared cost model where the employee picks up a portion of the monthly premiums and pays a copayment at time of service. |
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05-03-2008, 07:13 PM
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Senior Member
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Join Date: Apr 2006
Location: Monroe,Ga.
183 posts, read 234,333 times
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If you are employed by a company, you still pay a percentage for your coverage. It is far less than if you are self employed and get coverage on your own. Think about it, if you have a group of people paying towards coverage in a company, you get a better rate. Try pricing health insurance as a private party, you will find that you are getting a break with an employer. I don't know about any company that pays the whole amount!
Health insurance is VERY expensive! If you get a company that pays all of it...you did great! Trust me when I tell you, my husband is self employed....health insurance is our biggest expense!
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05-03-2008, 07:46 PM
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Senior Member
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Join Date: Apr 2008
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Rasmom, say it aint so. How much do you guys pay in health insurance a month? I'll be starting my own business when I get to GA so info would be great. My husband plans on working for a company so we thought of getting insured threw his employer. Right now the companies we work for we are covered 100%. My husband's current employer pays 50% of insurance for kids and spouse. My employer just covers me.
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05-03-2008, 08:12 PM
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Senior Member
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Join Date: Apr 2006
Location: Monroe,Ga.
183 posts, read 234,333 times
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WE have paid $1000.00 per month, employee, spouse and 1 child! That's just for health.... Dental was an additional $86.00 per month! I wish you luck with hatever you choose! I have started working just to get benefits!
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05-03-2008, 08:15 PM
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Senior Member
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Join Date: Apr 2008
2,076 posts, read 1,077,494 times
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$1000/mo? That is crazy and just unheard of here.
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05-05-2008, 02:48 AM
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Member
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Join Date: Nov 2007
79 posts, read 53,012 times
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Quote:
Originally Posted by bayarea-girl
$1000/mo? That is crazy and just unheard of here.
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They are self-employed so they are paying the entire premium. I'm in L.A. and I believe my 'family coverage' is somewhere in the neighborhood of $1150 per month. Health insurance is expensive!!! |
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05-05-2008, 05:16 AM
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Moderator
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Join Date: Jun 2006
6,575 posts, read 6,436,620 times
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Coverage in NJ for my wife, 2 kids and me would have been anywhere from $900/month for a plan with a $7,500 deductible and $35 copays, to over $1,700/month if I wanted to duplicate the United Healthcare plan that I had with no deductible and $10 copays. The rates vary dramatically by state, with GA being somewhat lower than NJ. If you dig around a bit, I don't think you'll find $1,000/month to be so "unheard of" in CA for a self-employed person looking for family coverage.
WRT employers covering your insurance costs, I wouldn't count on it- most companies are asking for greater participation by the employee, especially for family coverage. I work for a company that has over 21,000 employees, and we still have to contribute to our insurance- it's only $200/month for the family medical plan, but it's still something.
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05-05-2008, 06:17 AM
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Senior Member
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Join Date: Jun 2007
Location: N GA Mountains
207 posts, read 190,375 times
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Also being self-employed, I pay $1200 a month for health insurance that also covers dental. It is "family" coverage - myself, spouse and 2 kids. I was complaining when it was $950 a month but now...
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