For Those Who Work For Non-Gov, Non-Union Employers...What Is Your Contribution To Medical Benefits?

[bande1102]

About $500 a month for family plan. I have CDHP (high deductible plan paired with HSA). Dental is about $10/month, vision is $5/month. With my healthcare plan, preventive care is covered at 100%. Everything else has to meet a $2000 deductible/individual. My employer used to contribute $1500 to the HSA. Now they only contribute a couple hundred. In order to get more money, I have to take health assessments, sign up for weight counseling (even though I'm not overweight), smoking cessation classes (even though I don't smoke), etc. Luckily all of this stuff is online.

[Union Proud]

Looking over my benefits book. Family of 4.BCBS PPO plan

1mil lifetime per person.
$100 deductible per person a year.
$100 for mental health per year.
90/10 with max out of pocket limit at $3000 for family.
$1000 chiro max allowed per year.

Preventive care (gyneco,diagno test, colorectal screenings, xrays, lab tests(ekg-mammograms,psa,blood test,paps,urine as part of periodic physical exam) one test allowed per year includes colonoscopy,enemas,sigmoidoscopies.

vison 100% coverage, $150 for frames or $200 for contacts.

Dental $3000 max a year. $2000 per child lifetime max for braces with no deductibles.
Preventive coverage 100%
80/85% coverage for restrative/prosthdontics

prescription drugs is $5 for generic $25 for brandname.

This plan cost me $0.0 for the next 4 years.

I'm also a private union employee. This plan cost the employer $14,000.

[kodaka]

My portion has usually been around 20-25% of the premium and for a individual with a PPO plan that was usually $75-100/mo.

I did briefly work one place where I paid 50%. The employer argued that that was 'fair'. It may have been fair but it wasn't competitive and it was one reason (along with lots of other things that seemed 'fair' to the employer) they had trouble retaining workers.

[psr13]

Last year 100% of my benefits were covered with some credit left over. This year I think it's costing me $10 a month. Now, if we were to add my husband, it would cost over $300 more.

[fishbrains]

$68 every two weeks for employee/spouse coverage. I think family is a bit more, employee only is less.

It would not be unusual for an employer to pay 600-1000/month for a plan. Depends which one, which benefits, how many family members covered, where in the country you are, size of employer, all that other stuff.

[Miss Crabcakes]

When I had insurance for myself and few years back I paid $65 monthly.

My husband now pays $300 for the two of us monthly. And believe me, its really tightened our budget.

[Redrover]

For myself alone I pay $34.62 for medical, $5.69 for dental (plus $46.15 for my Health Savings Account and $17.66 for LTD) out of each paycheck (twice each month). I have an individual annual deductible of $1250 which my HSA more than offsets, especially since my company contributes to the account if I do certain "healthy" things. I have no office visit copay.

[Rhenzanite]

We have 9 plans to choose from that range from a 100% HMO to a low coverage 'catastrophic' type insurance. Since the HMO doesn't have a lifetime cap, that's what I'm stuck with. My medication costs a LOT of money, and I've already topped 2 other lifetime caps ($5 mill each) on previous PPOs and I'm only 26.

I pay $67 a month for my HMO which is pretty darn good. Dental and vision are free. I do have issues getting them to cover certain things, but with enough persistence I can usually get them to do what I want.

My employer pays the vast majority of our costs (we also have a health club membership discount and a bunch of other 'freebies') and I think that is one of the many reasons retention is high. We RARELY have turnover, and it's usually only because an employee moves out of the area or gets promoted.

[Ron.]

"0"............I don't pay for anything. My employer pays for 100%.

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Dental
Vis