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How much do you pay for medical on your job single-family coverage, is it free, what % is covered out of network and what about drug cost.
MY cost is for employee & spouse $90 a month for medical/dental/vision, 70% out of network, generic drug cost is $0 , forumular $15, nonformular $30 and 10 co pay doctor/no referals needed. Am I ovver paying
Does it pay to pay another $10 a month to get 80% out of network, when all my doctors are in network.
How much do you pay for medical on your job single-family coverage, is it free, what % is covered out of network and what about drug cost.
MY cost is for employee & spouse $90 a month for medical/dental/vision, 70% out of network, generic drug cost is $0 , forumular $15, nonformular $30 and 10 co pay doctor/no referals needed. Am I ovver paying
Does it pay to pay another $10 a month to get 80% out of network, when all my doctors are in network.
Well, you pay a lot less than we do because we have family...Your generic drug cost is actually ZERO? Wow, outstanding...We pay percentages, no copays so your plan sounds pretty good. As for the out of network cost, if your doctors are all in network, the only time you may need to pay for an out of network is for a specialist. $10 a month is not substantial for the possibility that you would need an out of network, for let's say hurt back, problemed hand, etc. Think about that...
I have always chosen the extra and gone out of network. If you want a second opinion at an out of network medical facility, you can get it. To me it's worth it.
Employee and family plan. $460 a month, 50% out of network (network is 1 hospital and just a few providers). Co-pay is $15 an office visit, $100 ER visit. Real crappy plan, but the only one offered through the place of employment (the Hospital).
No monthly premiums.$200 a year family deductible.$1500 a year for family dental.90/10 coverage in network, 80/10 out of network.$25 on name brand pharmacy drugs ,and i beleave $5 on generic.No copays for doctors visit.Vision coverage as well.
I pay $180 month for 2 people. Switched to an HMO because of the huge out of pocket copays for hospital and procedures. If I had to pay anymore than that per month, I couldn't afford my mortgage.
I pay $36/month for medical and dental. My deductible is $250. My co pays are: $15 for office visit, and $25 each for urgent care or specialist. ER is $75, and RX goes :$10/$20$/40. I haven't used this insurance yet as it changed in July and I the only medical needs I've had have been an eye exam. It was $15 +$30 more because I wear contacts. I'm not certain what my out of network costs would be and I hope I never need to know. In my city, there are two main hospital/medical care Networks. I'm not a member of the cheaper one. Before my insurance changed (not by my choice but rather my employer's choice) in July, my premiums were double what I pay now.
I pay $120 a month just for me. My bf has free coverage and it's exceptional coverage! He does pay union dues, but it's not a requirement to have coverage. So, he does pay $60/month.
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