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Curious for those of you who work in the Charleston metro & have an employer sponsored health plan what kind of plan it is. Is it a High Deductible plan only which covers a physical & then you must meet the deductible to get any reimbursement, or is it a plan that you pay a copay each time you see a doctor & the rest is covered?
If it’s a high deductible plan, what is your deductible? For those that feel comfortable sharing, what is your premium? (Feel free to PM me).
Trying to get a feel for what the norm is for health care around here.
I have a single person HSA. I believe my deductible is $2,000. I pay $35 a pay period for the premium. The ppo premium is around $80 per pay period. I'm not sure what the family plan costs.
I self pay now, it's risky but my doctor's visits include all shots/xrays for $98 bucks. My last deductible was $9000 and as long as I stay fairly healthy, there's no way I'd reach that deductible unless hospitalized so I'll take my chances.
Minicoop is the PPO the kind of insurance I remember where you pay a premium & there’s no deductible? I’m not familiar with plans with high deductibles like that. I don’t know if it’s an Obamacare thing or a SC thing.
And a 9k deductible, how do people do that? With the typical wage paid around here, between the premium & the deductible, that’s probably 50% of someone’s take home pay. So someone making, say $15/hr (considered good wages here), is left taking home @ 11k/yr after insurance? That’s insane.
Minicoop is the PPO the kind of insurance I remember where you pay a premium & there’s no deductible? I’m not familiar with plans with high deductibles like that. I don’t know if it’s an Obamacare thing or a SC thing.
And a 9k deductible, how do people do that? With the typical wage paid around here, between the premium & the deductible, that’s probably 50% of someone’s take home pay. So someone making, say $15/hr (considered good wages here), is left taking home @ 11k/yr after insurance? That’s insane.
My deductible is $6500 and my annual health ins costs are ~$9500. I'm lucky and have never used health insurance in my life and have no high risk factors. I did have a minor surgery about a year ago but the cost was under the deductible and the price charged was less if I was a "cash client" so I didn't use the insurance. In effect, I'm paying $9500+ for health insurance and then purposely not claiming it because it would cost me more. Makes sense, right?
It's not employer sponsored health care though, unless you consider it so since I'm self employed and just pay for everything anyway...
I do the high deductible thing, and it's under $200/ month for a family. The deductible is pretty much $3K but my employer contributes about 95% of it into our HSA.
Minicoop is the PPO the kind of insurance I remember where you pay a premium & there’s no deductible? I’m not familiar with plans with high deductibles like that. I don’t know if it’s an Obamacare thing or a SC thing.
And a 9k deductible, how do people do that? With the typical wage paid around here, between the premium & the deductible, that’s probably 50% of someone’s take home pay. So someone making, say $15/hr (considered good wages here), is left taking home @ 11k/yr after insurance? That’s insane.
PPO is where you have a co-pay when you go to the doctor. They only cover a portion of certain services. It's not like the old days where you paid a co-pay and everything was covered.
The HSA plans are everywhere now. My brother lives in RI and him and his wife can only get an HSA. I think their deductible is $6,000.
With an HSA you have a special account with a debit card. You can put pre-tax money into it. The money is always yours, you don't have to use it by the end of the year. I have quite a bit built up in mine. I decided not to contribute this year because we have fitness trackers through our health insurance where we can earn $3 a day to go into our HSA accounts just by walking. We had it last year too.
I have nothing really to offer other than we have it TOO good.I left employment with a bank a year ago .My employer paid 100% of my Blue Cross premium of $450 a month, and my deductible was $3500 a year, with $50 dollar office copays.
Today I'm on the State plan.My wife is a retired teacher.My monthly premium is $145 a month. Our deductible is less than a $1000 a year.Office co-pays are $12.50.
Yes we have it too good, and all the other citizens of SC are subsidizing our sweatheart deal!
As an aside, SC has the 10th most expensive health care in the country through the "Govt Marketplace" (Obamacare) - at $524/month for a single 40 year old non-smoker on the "Silver" plan. That's a 34.4% increase from 2017 rates.
Seriously?? How exactly do they think people can pay this sort of rate making $10-$12/hr?
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