is your company medical insurance good or bad? (plan, hospital, doctor)

[Proud2bPinoy]

i think mine sucks. i have high deductible. i always pay full amount when i go to the doctor since i have not met my deductible yet.

does your company insurance have copay and not deductible?

[bande1102]

I feel your pain...high deductible plan here, too. Totally sucks.

[Sweet*Tea]

Mine is excellent. Copay for drs visits is 20.00. I was in the hospital for 11 days back in March. Bill was over 33K. Insurance paid it all except a 200.00 copay which I gladly paid. Cannot complain at all.

[hey teach]

I have a reasonable policy, but every year it seems our co-pays go up. Also has a step plan on medications, so instead of getting the meds perscribed by your doctor, you must use the ones the insurance company is willing to pay for first. Most of the step one meds are generic, which is fine, as long as they work. I take Imitrex for migraines. The generic does not work as well as the brand, but my ins will not pay for brand because there is a generic and I simply cannot afford to pay the full price myself. Last year my ER co-pay tripled. I had an episode in January that required an ambulance. Ins only paid 50%, I'm still paying on the balance.

[h886]

Mine is somewhere in the middle. We have co-pays for a few things but we also have a deductible and anything extra (lab tests, procedure, prescriptions, whatever) I have to pay for a percentage of until I meet my deductible (which is high.) So, it stinks to get sick. But, I guess I look at it like I'm going to have to pay for health care one way or another. Co-pays and low deductibles often mean a higher monthly premium. What you really need that health insurance for is a big ticket event--like you're in a car accident and have $200,000 worth of bills you can't possibly pay. Having to pay up to a grand or two out of pocket a year if you get sick is no fun, but it's kind of par for the course for many people.

[Escort Rider]

Originally Posted by Proud2bPinoy

i think mine sucks. i have high deductible. i always pay full amount when i go to the doctor since i have not met my deductible yet.
does your company insurance have copay and not deductible?

It seems to me you have left out some information that we would need to decide whether your employer's health plan is good, bad, or indifferent.

1. How much do you contribute out of your paycheck? If none, this partly (or perhaps completely) counterbalances the deductible.
2. How much is the deductible? 1K per year is a different story than 5K per year.

I am 67 and retired, but when I was working I never had a deductible, but I did always have deductions from the paycheck. These deductions sometimes amounted to about $1000 per year.

[Proud2bPinoy]

Originally Posted by Escort Rider

It seems to me you have left out some information that we would need to decide whether your employer's health plan is good, bad, or indifferent.

1. How much do you contribute out of your paycheck? If none, this partly (or perhaps completely) counterbalances the deductible.
2. How much is the deductible? 1K per year is a different story than 5K per year.

I am 67 and retired, but when I was working I never had a deductible, but I did always have deductions from the paycheck. These deductions sometimes amounted to about $1000 per year.

1. i pay $300 per month for family
2. i have $2.5k deductible / year

[Whatsthenews]

Originally Posted by Proud2bPinoy

1. i pay $300 per month for family
2. i have $2.5k deductible / year

And I believe you work in Healthcare- is that correct?
Which state are you in?

We are in NC and pay $5460 per annum for family insurance and that's through Carolinas Healthcare System.
That doesn't include vision or dental- they're separate.

There are 2 plan options but we chose the one with the bigger deductable and lower premiums.
Co -pays are
$25 for PCP visits, but from next year it will be $0.
$40 for a specialist office appt
$50 fo Urgent care
$150 for an ER visit

Our deducatble is
$600 for inpatient facility charges and then we pay co-ins at 20% of the remaining amount.
Our out of pocket maximum per year is $5000

All annual routine preventative screenings, well woman, well baby and immunisations are completely free.

These figures are all if you stay within CHS .
If you go outside then for some things the charges are higher

[Whatsthenews]

Originally Posted by Escort Rider

It seems to me you have left out some information that we would need to decide whether your employer's health plan is good, bad, or indifferent.

1. How much do you contribute out of your paycheck? If none, this partly (or perhaps completely) counterbalances the deductible.
2. How much is the deductible? 1K per year is a different story than 5K per year.

I am 67 and retired, but when I was working I never had a deductible, but I did always have deductions from the paycheck. These deductions sometimes amounted to about $1000 per year.

WOW -wish we had a system like that!
Who did you work for?

[Proud2bPinoy]

Originally Posted by Whatsthenews

And I believe you work in Healthcare- is that correct?
Which state are you in?

We are in NC and pay $5460 per annum for family insurance and that's through Carolinas Healthcare System.
That doesn't include vision or dental- they're separate.

There are 2 plan options but we chose the one with the bigger deductable and lower premiums.
Co -pays are
$25 for PCP visits, but from next year it will be $0.
$40 for a specialist office appt
$50 fo Urgent care
$150 for an ER visit

Our deducatble is
$600 for inpatient facility charges and then we pay co-ins at 20% of the remaining amount.
Our out of pocket maximum per year is $5000

All annual routine preventative screenings, well woman, well baby and immunisations are completely free.

These figures are all if you stay within CHS .
If you go outside then for some things the charges are higher

no, i dont work in healthcare