Insurance is SO Expensive!

[Janet]

The school corp. that I work for, as with every other company, I'm sure is raising the cost of our insurance. I won't ever get rich driving the bus, but it was so convenient when my son was younger. I didn't have to pay daycare and I was always off when he was. Plus, I could drive the whole class on field tips.

Well, I get paid every two weeks and it's divided up so that I get paid throughout the summer too. The new cost is going to be half of my pay check. I'm basically working for my insurance. It sucks even though my insurance is excellent. We haven't paid a dime for Rick's back surgery last summer.

I did pick up an application from a place in town for a management position in retail. I have it all filled out and ready, but I'm so afraid to turn it in for fear they'll hire me...LOLOL. I have a lot of experience in every aspect of retail so it's not a done deal or anything, but I do love working in a retail environment.

I just love my summers off now, even though my son doesn't need me home like when he was younger, but I just don't know how I got everything done before when I worked full time. Plus the doggies are never left alone more than 3-4 hours at a time. I think I would have widthdrawal symptoms from them too.

I'll have to make a decision here pretty soon because they will be needing a manager and assist. manager in the not so distant future. Oh decisions, decisions.

[judy]

How much cheaper is their insurance? You might have to weigh out the benefits of each job versus the costs to make a decision.

There's also a chance that some kind of national health care may become available after the election.

[Tink]

Janet, I hope things fall into place for you on the job situation soon. It's hard sometimes to compare apples and oranges, but sometimes you just have to stop and think which you're more hungry for!

HUGS

[Janet]

I don't know anything about their insurance yet. It might just be safer for me to stay where I'm at and just take as many extra-curricular trips as I can. At least those would be of an evening and the doggies wouldn't be alone all the time. We'll see.

[Tink]

Just for the sake of comparison, Greg's employer carries our insurance. We have a $2,000 deductible per person with 80% coverage after that is met. For this we pay $127 per WEEK.

When I quit at the bank they offered me to continue the insurance on my own... my monthly cost for just Greg and I would have been over $1,600! It was good insurance, but OMG that's a lot of money!

So compared to ours, is yours high? Or is it just sticker shock because it's increasing from the old price? You're right, insurance is terribly expensive, but being without it is unthinkable as a simple appendectomy can about bankrupt you if you have to pay for it out of pocket.

[Janet]

Annually it will be $4,836.68. They are having a meeting on Wednesday this week to discuss it with the employees, so I'm going to try my best and go. I just hope not that many other employees attend, because the meetings always get so far off in the ditch you're more confused than when you went in...LOL

[Marilyn]

Janet, Just for comparison, I just annualized mine:

Medical - $4,119.95
Dental - $954.98
Vision - $170.56

That's for a family. Our girls are still full time students so they are on our insurance. Melissa will drop off, but the premium will not change. It's the same for 1 child or a dozen.

My deductable is either $1,500 or $2,000. I don't remember.

Not sure if your number just included medical or not. Hope this helps.

[Tink]

Mine includes Dental, prescription and optical I think... for the price I gave. So we're all three in the same ballpark. It's high, but seems to be the going rate.

[Janet]

Mine includes prescriptions, no dental or vision. We are with Anthem. I guess that's not really a bad price, it's just..I don't make that much to begin with...just over $10,000. It was the convenience of being off with the boy when he was younger and being home with him in the summer time.

[HALEY]

my company has a nice family package with dental and vision, i pay a little over 100.00 per month for family and my husband company gives us back 250.00 a month for him dropping his insurance with his company, so Thank God we made out on this deal.

[highlans]

Mine includes prescriptions, no dental or vision. We are with Anthem. I guess that's not really a bad price, it's just..I don't make that much to begin with...just over $10,000. It was the convenience of being off with the boy when he was younger and being home with him in the summer time.

Is that per month or year?

[Marilyn]

Mine includes prescription drugs, too, and they are really cheap. Usually $2 or $3 to fill a prescription. That's with generics. If you go with the name brand I think it's like $25.

[Janet]

Is that per month or year?

That is my yearly salary. I know it's not much, but it's great insurance and it gave me the opportunity to stay home and raise my son. My husband makes considerably more, but his insurance totally sucks so he gets what the company pays for. We don't pay for his insurance.

This coming school year will be his last and then he will graduate. Maybe I'll try and look for something that pays more then..I'll just have to wait and see.


Marilyn, 2 of my meds are only $20, and the other two are only $4.00. I'm not complaining about that at all.

[highlans]

[QUOTE=Janet;67226]That is my yearly salary. I know it's not much, but it's great insurance and it gave me the opportunity to stay home and raise my son. My husband makes considerably more, but his insurance totally sucks so he gets what the company pays for. We don't pay for his insurance.



When I was working I always had low paid jobs so I could be at home when the children were not at school I was lucky to be able to do that. I am now a stay at home Nana to my two grandchildren so my daughter can work to pay there mortgage. We pay a national insurance a percentage of wages for our health care on hubby's wage it works out about 400 uk pounds per month. We have long waiting lists for hospital but so far we have never had problems with this. But more and more people are paying private.

[Marilyn]

We pay a national insurance a percentage of wages for our health care on hubby's wage it works out about 400 uk pounds per month. We have long waiting lists for hospital but so far we have never had problems with this. But more and more people are paying private.

Wow, 400 Brittish pounds per month is a lot. That's $782 US. That's $9,384 US per year!! :eek: And we are being told that you have low cost national healthcare. Do you pay anything at all when you go to the doctor or hospital?? We have lower annual premiums for our private insurance, but it pays about 60 to 80% of the bill and we pay the rest. Sometimes emergency care and some tests are covered at 100%. After our deductable of course.

[Janet]

This is really interesting, I can't wait to hear more.

[highlans]

Wow, 400 Brittish pounds per month is a lot. That's $782 US. That's $9,384 US per year!! :eek: And we are being told that you have low cost national healthcare. Do you pay anything at all when you go to the doctor or hospital?? We have lower annual premiums for our private insurance, but it pays about 60 to 80% of the bill and we pay the rest. Sometimes emergency care and some tests are covered at 100%. After our deductable of course.



No we do not have to pay the doctor or hospital, if we get a prescription from the dr for drugs then we pay 7 pounds per item no matter what the cost of drugs are.

We used to get dental care under the national health but now more and more dentists are going private so we now pay for that which is expensive, at the moment I am looking in to insurance for that.

400 pound is on my husbands earnings so the more you earn the more you pay. That also will give a small pension at 65 not sure what that is at the moment but do not think any more than 100 pounds per week.

People do complain about our hospitals and doctors but do date I have always been happy with the care provided.

[Marilyn]

Actually, for reasonably healthy middle aged people, I think we probably pay less for healthcare in the US than you do in the UK. If we have some type of minor surgery or something during the year, we probably pay about the same after our deductables and copays. And we don't have the waits that we hear you do to see a doctor or have an operation.

I need carpal tunnel surgery, according to my doctors. If I call for an appointment tomorrow, I will probably get to see a very qualified surgeon of my choosing within a couple of weeks, and the surgery can probably be scheduled within a few days of seeing the doctor. If I use a doctor that is "in network" (on contract with my insurance carrier) the cost will not be very much at all.

If you needed carpal tunnel surgery, what could you expect to have happen in the UK?

By the way, I may actually make that phone call tomorrow just to see how it goes and report back on this thread. We'll see if the senerio described above is actually accurate, and what the cost actually is.

This is very interesting. Thank you for replying, Highlans!! It is wonderful to actually get to communicate with someone who is living with Nationalized Healthcare since they are talking about putting us on a similiar system.

[highlans]

Not sure about carpel surgery but an example I can give is hubby had back pains so went to the GP, was then sent to the hospital consultant for that appointment he waited two months, they decided he needed a hip replacement and that was another two months before there was a bed for him. So from seeing the GP to haveing the opp was around four months. That is good going my sister in law waited 6 months to have hers done. We now have a system that you can see if there is another hospital around the country that can fit you in sooner but think I would rather be local and near family.

[Tiramisu]

After struggling with foot pain for 8 months, I went to my PCP on May 6th. I'm still limping around.

May 7th - Xrays (showed fracture)
May 16th - Podiatrist (cortizone injection)
June 6th - Podiatrist (cortizone injection)
June 11th - PCP
June 12th - CT Scan
June 27th - Podiatrist (to schedule surgery)

Last Friday, the Podiatrist was to schedule surgery for this week. He wanted to wait another month or two, but I told him I want it done now. It's midday Tuesday and I've heard nothing. Of course, since it's a holiday week, I didn't expect it to be this week. It will probably be his way - another month or two.

He admitted that the injections are just prolonging the inevitable. Meanwhile, I can't ride my bike, take my g-kids to the zoo or park, or do much extended walking. In this case, I honestly think he makes more from my office visits than surgery, so he's "stringing" me out as long as he can. (Probably $300 from an office visit and $1500 for surgery.)

I'm so very aggravated with it. I even told him that now would be a good time for me to be off work, as my two g-daughters want to come sit with me and my Mom (when she comes home).

[Lindsey]

Oh my gosh my jaw hit the floor when I read through this thread! I knew that insurance in the states was expensive, and actually is one of my biggest concerns about moving there. I didn't know it was THAT expensive though! Here, medical is free. Doctors are paid by the government. No matter who you are or how much money you make, as long as you have a government issued health card (which every resident gets) then you can see a doctor free of charge, and if you are referred to a specialist, it is also free of charge. My health plan through work covers 80% of prescriptions, 80% of eye care I believe, and 100% of dental. I just figured out what I pay yearly and it's $873.12.

[Marilyn]

I haven't called to make that appointment yet, but after the holiday weekend, will try and see what happens.

Sandy, your situation sounds bad, so frustrating. I think we would get faster attention with the doctors around here. I can't remember ever being in a situation as you describe.

Lindsey, your annual cost is much lower than in England. I thought y'all were on the same system. So confusing!!

I have to go to a doctor in Houston tomorrow about something else. I really don't want to drive there right now. Not sure, but I may call and try to reschedule.

[highlans]

Its just great what you can find out on this site.:)

I would be interested to know how university works in other countries?.
Up untill about six years ago tuition fees were free here and all we had to pay was accommodation, food and personal spending. Now it is approx three and a half thousand pounds per year and the average course lasts three years plus accommodation ect.
My daughter went through uni eight years ago so had no tuition fee to pay for her but my son starts in september so have to pay.
However if you live in scotland you do not pay tuition fee I feel is unfare should be accross the whole country.
You can get a goverment loan just for tuition fee's and that does not have to be paid back untill you finish uni and are earning over £15000.

[Lindsey]

Tuition in Canada is very expensive for university. I took two years at university and then 2 and a half years at a tech college. I believe tuition at the university was about $5000 a year, and for my two and a half years at tech school the current charge is $9416 total. On top of that I spent about $1000-2000 on books per year.
Some students can get student loans from the government, but as I found out they are very stringent on the qualifications. They take into account if you own a vehicle (which I did), how much money you will be making from a part-time job, how much money your parents make. They do NOT take into consideration how much debt your parents have or their payments or anything. When I went to university straight out of high school, my parents were still paying off their house, a truck because their old one broke down, and a new quad that my dad had just got for hunting. They couldn't afford to put me through school so I was counting on the student loan I applied for. When it was time to pay tuition I still hadn't heard back so my parents and I both paid and I used up all the money I had been saving from my job since I was 16. About a month later I got a letter saying I didn't qualify because my parents made enough money that they should be able to support me. I probably cried for the whole day. Then I found out about a student line of credit from a bank, so that's what I used.
So I maxed out my line of credit 4 months before my course ended, and that was mostly with living costs because I used my summer job money to pay tuition. My parents struggled to help me through that, and now I'm $40,000 in debt and I'm going to be paying that off for 15 years!
My experience has taught me I'm definitely starting education funds as soon as my children are born!

[highlans]

Wow that is expensive, my daughter has two children under 4 and from day one they put a little away every month now looking ahead. They do means test you here if you need help with living costs, we are hopeing to be able to support his living costs but we still have a morgage to pay it just means my hubby has to work on another few years. He has worked since leaving school last year and has managed to save some and he will work dureing the holidays so fingers crossed we won't get into to much debt.
I would like to see all uni costs paid for by the goverment after all the students are the countries future educate them well reep the rewards from them later may be if they had to pay a higher rate tax.
I know people who would love to go to uni but are worried about debt so are takeing lower paid jobs and not going.

[gja1000]

oops wrong thread!