Premium Rates for Health Insurance through Employer
Raleigh, Durham, Chapel Hill, CaryThe Triangle Area
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I'm grateful to work in a place with an awesome benefit package -- employee medical and dental is free; vision is about $8 a month. Not sure what the family rate is for vision, but the medical and dental are about $40/month for the entire family.
Location: Chapel Hill, NC, formerly NoVA and Phila
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We pay about $550 per month for BCBS PPO for family coverage for medical. Dental is separate (about $150/mo, I believe). These are their premium plans. We have $30 co-pays at the doctor's $40 at the urgent care. Dental limit is $2000 per person and pays 80%, checkups are free. That's all I know off the top of my head.
Previously on a 100% covered BCBS HMO/EPO (awesome by the way if you can subscribe, no deductible, no out of pocket max, and $15 copays for everything) for a family it was $400 for medical, dental, vision.
We switched to a 90/10 BCBS PPO and for a family all inclusive (medical, dental, vision) is around $130, that is a $500 deductible and $1000 out of pocket max IIRC. $15 co-pays for regular visits and $30 specialist co-pays on this one. But the savings are significant long term provided we stay healthy. However it's just us two so we pay $30/month IIRC. Really decent coverage for the $$. At my wife's previous job they wanted $600 for the same thing, fortunately we had my insurance so we told them to stuff it. I honestly think they were making money off the employees...how do people afford that kind of medical coverage? That is ridiculous.
$462/mo. for family with dental & vision but is most likely going up this year again at an expected rate of increase at $50+/ mo. which is what the average has been the last 3 yrs. Time will tell.
$231.28 here, + my contributions to HSA and life/dental/etc. Based on your previous comments I know I work where your husband does
I think our premiums are similar at your employer and mine. I have myself and the kids on mine because it's slightly cheaper that way. Husband just covers himself.
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Federal employee with BCBS: ~$275 a month for Medical Only (no Dental or Vision) and it's for the entire family. We have no co-pay in network and $30 out of network, I think.
I pay $608/mo for family coverage. Dental and vision are separate costs. My annual OOP is $2750 each member, deductible $550 each member. Copays are $30 and $40. This is employer-based plan.
/Thank you everyone for your input. They have been very helpful.
I was under the impression that Health Insurance in NC would be considerably higher than what I have here in NYC. It appears this may not be the case.
I have a 90/10 with a $200 deductible ($400 for full family), $5K max out of pocket money (#10K for full family). That's not too bad.
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