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]

Originally Posted by 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.

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]

Originally Posted by highlans

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]

Originally Posted by highlans

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!! 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.