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moosa | What is the benefit of job benefits when you pay $110/monthly? |
just for healt ins.
plus $25/mo for dental.through my job.
I'm young, excellent perfect wonderful health. dont smoke/drink.
ferfect size/height.
I dont understand whats cool about having "benefits". seems like the same price i would pay as an individual.
twin cities area |
 |
 
sarah314
|
You're joking, right?
For $110 a month as an individual, you wouldn't get the same kind of coverage that you're likely getting on your group policy. You *might* be able to locate a policy for yourself for $110 a month, but its going to have high deductibles, high copayments, and probably quite a few exclusions.
Not to mention that group health insurance comes with certain protections that individual policies don't.
That policy that you're getting $110 deducted from your check for is likely costing your employer $400 or more. |
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mbrcatz
 |
Well, you wouldn't find the insurance that cheap if you went on your own. It's NOT the same price you'd pay as an individual. Go get some quotes, you'll see.
Also, the COVERAGE is more broad on a group policy, usually. |
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Mrs. WC
|
Neither of those are bad prices to pay for insurance particularly if it's with a really good company. My husband works for a state agency so, his insurance premium is covered by them. They also pay 1/2 of my premium. It's a good thing they do otherwise we'd have to pay over $400 a month just for the health insurance.
However, in the past few years, the premiums have gone up while the services are costing more.
Do some research on individual insurance for the private sector. I'm sure you'll find out that your premiums aren't that bad. The "benefit" comes in because the company you work for gets a group rate for the insurance. Like anything bought in "bulk", each individual item costs less. |
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jonesy634
|
I agree with what everyone else is saying. Maybe $110 a month seems like a lot of money right now to you, but if you saw what your employer pays for you, you'd shut up real fast.
Just as everyone else is saying, you also have no pre-existing condition exclusions and much more coverage than individual insurance.
There are people who would LOVE to have your coverage, and you're whining about it!
And guess what? Accidents don't take into consideration whether or not you're "young, excellent, perfect, in wonderful health". They can happen at any time to anyone! Maybe you have no diseases or disorders now, but that can all change in the blink of an eye.
I hope you will start to appreciate your benefits more after reading everyone's answers. |
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INS CSR-L.A. County
|
For one, it's cheaper. For two, there are little, if no pre-existing condition exclusions. You will find that though you pay $110, it will be more expensive if you paid for it out of your own pocket. Plus, the deductibles would be higher, and there may be specific exclusions for a period of time, such as asthma, diabetes, pregnancy, etc.
Consider yourself getting off easy. Some people don't have that option. |
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JoAnn N
 |
Your lucky, I pay $800.00 a month for a family. The benefits of medical insurance will be if you get sick or in an accident, which can happen no matter how healthy you are. And the dental, you get to have your teeth cleaned usually for free every 6 months and xrays once a year. If you were to cancel the insurance then something happened and you tried to go back on the plan they would not cover your pre-existing conditions so it would be wise to keep your insurance and be thankful that you have some.
My daughter doesn't have any, she is 21 and healthy, she had a appendicitis last week and her hospital bill is out of this world, She will be making payments forever. |
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src50
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You are wrong - group insurance is a lot cheaper than individual policies. There are a lot of uninsured people who would love to have your coverage and you're whining about it. |
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parker
|
have u looked to see how much individual is. if not u might want to check it out b/c usally it cost more. and just b/c u are in good health now doesn't mean u won't be tomorrow. in the long run it will cost u more if u don't have it. |
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JeffyB
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Actually, you're paying very little compared to a lot of people. My health insurance is about double yours, and I have no kids or dependents. |
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