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seashell | What does the average family pay per year for medical insurance??? |
Does $1,000 a month sound high to you? |
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Zarnev
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You can find plans that are less expensive, especially the HSA plans like was mentioned above. I have one for my family of three and pay $320 per month. You'll need to visit a local independent agent and get some information to see if this plan is right for you. Some people get the parents on the HSA plan and the kids on a "traditional" plan because they like the security of unlimited doctor visits.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in the whole state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states, such as OK, NC, WI, TX, AR, are starting to ban or crack down on these cards.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam (also if the application fee is greater than $25). Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients. |
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Erica L
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i pay, $200 a month for me and my daughter. which includes medical, vision, dental, ltd, std, $500 flex spend, and anotehr policy that pays out when i got to the er, have surgery, baby. but i know that my company pays the rest. i have no idea what that would be. |
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natethenorsk
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No, $1k is about right. In Colorado the average premium is $1,067 for a family. Most people don't realize how much of the tab their employers pick up. I'm a health insurance agent and most of my clients select high deductible health plans with HSAs (Health Savings Account). They save a ton on premium, their plan essentially only covers major health events, and they are able to put away the difference into their HSA. The HSA money is yours, you decide how to spend it on qualified health expenses (even Tylenol at the grocery store), it earns interest tax deferred and receives tax-preferential treatment. It rolls over from year to year, so you never lose it, and if you never use all of it it can be turned into an IRA. Check with your tax advisor to learn about how an HSA would work in your situation. Aetna, UnitedHealthcare's GoldenRule, and HumanaOne have great health plans that are accepted all over. |
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Tim
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It depends on the level of coverage.
For a $10.00 copay, sounds reasonable.
We lowered our monthly payment by going with a high deductible policy. It is about $300.00 per month with $5000.00 deductible. But, we are saving over $500.00 a month in premium. |
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mbrcatz
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Nope, I was going to guess $800 to $1200 a month. We pay about $300 a month, and hubby's employer picks up about $600 a month for family plan. But it's based on hubby's age, so as you get older, the rate goes up. |
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Tammy R
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here is a site where a Medical, Dental, Vision, Prescription and Chiropractic Discount Benefit plan is $59.95 mo.
http://www.helpyousavenow.com
I have this, so to me $200 is alot a month!
Hope this helps you or someone who is paying those high prices for their benefits.
Tammy |
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