We have associate + family (does not raise per child) on all 3 types of insurance
medical/prescription is $ 454.00/ month
medical coverage details:
Deductible...............$ 300 individually $ 900 family
Out of pocket max..... $ 1200 indiv $ 3600 family
coinsurance............ 90%
lifetime max.............unlimited
Preventive care.........100% no deductible, no copay (includes all well baby visits and vaccines, yearly physicals and yearly gynecology for women)
office visit copay.........$ 20 (primary care and obgyn)
Specialist copay.........$ 35
Urgent care copay.......$ 35
mental health..............$ 20 copay; inpatient: 90% after deductible
emergency care..........90% after $ 100 copay (deductible waved for er visits)
(just an fyi: my husband and i are both undergoing allergy testing and shots, the testing alone is $ 2,000 per person and the shots are $ 70 per week for the first 6 months and then once per month for 3 years and they cover 100% of all of it!!! They have also just covered 100% of my CT scan for my sinuses, deductible waived for both)
Prescription coverage details:
generic......$ 10 copay
formulary brand....$ 25 copay
non formulary brand.....$ 40 (not so sure what this is cause ive never seen one)
tier 4..................50%
Dental coverage is $ 78 per month
coverage details:
annual deductible......none
max annual benifits ...$ 1500 per person
preventive services.....100% (cleaning and exam every 6 months, yearly xrays)
basic services............100% (fillings, root canals, extractions)
major services............75%
orthadontia................50% up to $ 2000 max per person
tmj coverage..............upto $ 750 per year
no deductibles
Please share your info so i know where we stand in coverage verses price we pay
Answer by ★Starkissed ★
I pay $ 500 a month for medical, dental, and vision. I'm not happy about it at all. After the monthly payment I only have to pay $ 15-30 for co-pays and that's it. Everything else is covered except for my contact lenses.
Answer by Me-owww
Lets see if I can remember it all.
Right now for just me I have a $ 2200 deductible and the ONLY thing that is covered at all before I meet the deductible is my annual well woman. Everything else is out of pocket until that deductible is met. After deductible MOST things 80% co-pay. no vision. I am also paying for aflac right now.
Next year it will be...
A $ 500 allowance that will be used before I have to start meeting the deductible which will be $ 2400
After that 80% co-pay on most things
$ 4.00 scripts generic
free annual well woman
no vision
I pay right now about $ 45.00 a month
next year I am dropping the aflac insurance and will be paying around $ 38.00/mo.
So while I am actually paying less, the premiums are actually higher. I am just dropping the aflac.
The thing that really gets me is with all other company insurance plans I have been with you usually have a doctor visit or hospital co-pay from the start, but not with this company, you have to pay out of pocket first. I fell down a flight of stairs back in June and had to go the the hospital and I was shocked to get a bill for the full amount, the insurance covered NOTHING!
Answer by hotvw1914cc
Your ins. price is real good. Great benefits, sadly ins. will continue to increase because of med, Drs. and hospital charges.
Orignal From: How much are u paying for health insurance?
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