 How much is too much to pay for health ins for a family, through you employer? |
Almost 400 a month is taken out from my check to pay for insurance.
Additional Details
Had an HMO and switched to PPO to save money. Ended up paying about the same because the rates went ... |
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 Life Insurance from AIG!? |
Hello,
I have a life insurance from AIG. If AIG goes bankcrupcy, what will happen to my life insurance?
What should I do now?
Thank you!
Additional Details
Thank you ... |
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 Why are insurance companys rip offs? |
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Scratched car?
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 I have a HO3 insurance policy and had power outtage for 3 days, had food spoilage is that covered? |
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 Who do you honestly think is the best overall car insurance agency? |
or you can break it down
to cheapest
friendliest
most trustworthy
why do u like them and why?
also i would like to hear about the shady ones and some examples of what ... |
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 Is there some where or way to get inexpensive percripctions? |
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kenhamilton74 | COBRA Insurance question? |
My wife currently carries our family insurance with her company. We were wanting to have another baby on her insurance and she is wanting to quit working in Jan. If that is the case we would continue with COBRA until the baby is born. Right now we pay around $200/month for family medical, dental, eye, etc. Does anyone know how much this would be on COBRA or how we could find out. We can't go and ask the company because that would like suspicious. |
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Zarnev
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The way COBRA works is you will pay 102% of the current premium. If you know how much the employer is paying you can figure the cost. For example, if you pay 50% and the company pays 50% you know the total cost of the insurance by doubling the premium you are paying now and add 2% to the cost. This will give you a close guess.
If you don't know the percentage you can't find out without asking although you could ask them what the percentage is. |
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Tim
 |
The only way to really know is to contact the company. |
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Sahara
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With COBRA, you will be paying for the part of the insurance your company was paying. You add that amount to what you are paying now.
You could ask HR how much they pay for your insurance. |
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char_char_3
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When you elect COBRA, you pay the entire premium plus a 2% administrative fee. You and your wife are only paying around $200 for family coverage now out of your pocket because her employer is contributing to most of the premium. Now, I don't know how much her employer is contributing, but the trend is anywhere from 50 to 90% for most employers. As an insurance agent that specializes in employee benefits, I have seen family coverage upwards to $1200 a month before employer contribution. You may have to pay that much when you elect COBRA. The only way to truly know is to have your wife contact her HR Benefits Specialist and ask. The company should not look at her different or spread rumors that she is thinking about leaving. She can say she wants to know just in case anything happens, and she would like to continue her health coverage. Good luck! |
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Christie
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I believe your COBRA coverage will be for medical only - I don't think you can purchase COBRA for dental and vision.
Right now, your wife is paying only a portion of the actual premium - her employer is most likely paying the largest percentage. COBRA rates are figured on the full rate and then you add about 2%. That's why they are very, very high.
But yes, you can definitely ask her employer what COBRA rates would be. There's nothing wrong with that, and they definitely wouldn't fire her for it. It's her right to know, as a participant on the medical plan. |
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mbrcatz
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The ONLY way to find out what the group rate plus 2% is (the cost of Cobra) is her HR department. You can't call the insurance company directly and ask, and another group isn't likely to have the same rate.
But if I were you, I'd budget $800 a month MORE for the COBRA. |
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Doctor Foo
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COBRA is insurance that your company offers to you after employment is terminated. Right now you pay 200 a month, and your company pays an amount towards your coverage as well. When you use COBRA, you pay the full amount of your premium without the employers assistance. It can be considerably more then you're paying now. Every plan is different so there really is no definitive answer. COBRA has a web site. there may be more info available |
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Lola
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Just as an example. I had insurance that cost me $80 a month for one person, not family. When I left that job, the cobra was $495 a month. What a bargain!!! Needless to say, I went without insurance and that was way back in 1993. I'm sure today you would pay in the neighborhood of $1000 a month or more for family coverage. She should stick it out until the baby is born or not have another until one of you has another job with insurance. |
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Melissa K
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I don't know the exact answer but, I'm single and for me Cobra was over $400/month. |
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meandnadine
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http://www.cobrainsurance.com/ |
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