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Old 01-04-2013, 08:44 PM   #1
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How much do you pay for private insurance?

DH is interviewing with a small, non-profit company for a job that has decent pay (though less than he's making now) but no benefits. However, it would be a lot more fulfilling than the job he is working now.

I have a heart condition which we had been told meant I should not have any more children, but at our last appt, we were given the green light.

My big concern is that I want to stay home for 1-2 years after the baby is born, but b/c of my condition, I have to have insurance at all times. We're not concerned about insurance during the pregnancy - I have it through work and if I had to quit, DH is Indian so I can use the Indian hospital here for pregnancy/delivery.

So, how much does your private insurance cost per month? And what deductible/out of pockets do you have? Do you have any major medical conditions that make the policy more?

Any advice would be appreciated! When attempted to get life insurance, agency after agency laughed in my face. I'm terrified that that will happen with health insurance too.

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Old 01-04-2013, 08:52 PM   #2
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Ours wad ridiculous! About $18k/year for a family of 3...ouch!! The coverage wasnt even that great...it was a 80/20 PPO.
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Old 01-04-2013, 08:55 PM   #3
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Re: How much do you pay for private insurance?

We are a family of 2 adults and 4 kids...no major health issues, and always insured.

Our costs are $1100 a month plus $100 for dental
Deductable is $2000 a person, $6000 max for the family
Co-pay for Dr. is $25, specialists is $55, er is $250
once we meet our deductable (person, and/or family) we have 100% coverage...so max out of pocket would be $2000 a person and/or $6000 for our family for non-co-pay stuff.

Dental is 2 visits a year, the $50 deductable, then 80/20% for everything else, and max coverage per year is $1500/person, and max $1500 orthodontics/person lifetime.

we could probably shop around and find something a little cheaper I think I found something roughly $900 a month plus dental...btw this is through Humana medical and dental.
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Old 01-04-2013, 09:25 PM   #4
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Well shoot...neither of those would be feasible with the new job. Kills me that it's so expensive!
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Old 01-04-2013, 09:31 PM   #5
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Re: How much do you pay for private insurance?

I got rejected two times already for pre-existing conditions: Hypothyroidism and the fact that I lost a baby to PTL.
I have been on temporary insurance for a year with BCBS at $120/month for $500 ind ded, 20% coins, no dental, no prescription coverage.
Now I'm paying $120/month for $1000 ind ded, 20% coins, no dental, med ded applies for prescriptions through Humana-One. ALSO a temporary coverage.
After this runs out in a year I hope I can use my continuous coverage as "credible coverage" and get a new policy that isn't temporary, but if not I guess I get to move on to yet another company and hope that they will grant me MORE TEMPORARY coverage.
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Old 01-04-2013, 09:55 PM   #6
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Re: How much do you pay for private insurance?

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Old 01-04-2013, 11:23 PM   #7
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Re: How much do you pay for private insurance?

We have an individual policy thru BCBS with $10k/$20k deductibles. I believe it is 80/20 after that first $10k, but since I never reach that high, I haven't a clue to be honest.

The premium is $802/mo. We are two adults, 2 kids. DD had liver failure 2 yrs ago at a cost of $400k but they never even asked if she had a PEC. None of the rest of us have health issues.

My uncle though has bladder cancer. Has had it for 10 years now and it is next to impossible to get him covered. My aunt says they have coverage now (they are a family of 7, 2 adults, 4 college kids, 1 past age 26) but they pay $32k a year to have that. I never even wanted to divide that by 12 to get her monthly payment.

BUT...the new high risk/PEC insurance exchanges that each state is supposed to create is supposed to help people like my uncle. My aunt is watching closely what California decides to do, but I think they have until the end of 2013 to implement a program. You may want to read up on Obamacare and then check with your state's health/insurance board to find out what their plans are.

Good luck!
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Old 01-05-2013, 12:21 AM   #8
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Just for DD and I, both in excellent health, we pay $200/mo for a $5000 deductible and it covers NOTHING until you hit the deductible. No office visit copays, nada. Basically just catastrophe coverage. We could never afford GOOD coverage. Dh recently got a new job with good benefits for the first time in our marriage and I can't wait. God willing, he will never, ever take another job w/o good health insurance, esp since he has pre-existing conditions also.

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Old 01-05-2013, 07:05 AM   #9
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NM different post
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Old 01-05-2013, 07:06 AM   #10
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Originally Posted by nikiahunt View Post
I got rejected two times already for pre-existing conditions:
I thought they can't do this under a new law?
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