Health Insurance

[Leo&Farah 0]

We dont have any health insurance currently. Can anyone recommend anything that is reasonable and doesnt cost an arm and a leg?

We're looking for something that covers dental, eyecare (glasses and contact lenses) and birth control. So far, the option we have is deducting 160-180 per month for both of us from his paycheck with his second job and they have co-pay. But that seems a bit steep to me and we're not planning to stay with this job for long so we're looking for something outside of work which we can stick to.

Having not had health insurance before, based on this co-pay system, it seems you pay a chunk of money a month but dish out 15-50 for doc visits, prescriptions, lenses and eyecare. I could be wrong but I'm still trying to understand how health insurance here works and if this co-pay is the standard in US and what the average benchmark monthly cost there is for good health insurance for a married couple.

Any insight would be appreciated so we dont make the mistake in choosing something overpriced or with crappy coverage.

Edited February 11, 2010 by Leo&Farah

[Marilyn. 340]

160-180 per month is actaully not that bad... do you know what percentage the insurance covers?

I really don't think you could find a better deal then that on your own...

we pay about $260 a month for 2 people... and the insurance covers about 100 percent of all costs besides co-pays except it only covers 90 percent of hospital stays and a few other things..

dental and eye care are on top of that.. dental is about 20 bucks a month but it doesn't cover much.. I think it covers about 1500 dollars each a year

[kaffy 2]

I really don't think you could find a better deal then that on your own...

Ditto, unless one of you got a better job with better insurance

[thesnowman 1]

My works health insurance sucks. I pay just under $700 a month for me, my wife and my two kids. $30 co-pay, 2k deductible and everything over that is 80/20. Health insurance is an extra $60 a month.

What you are being quoted isnt that bad, just look into the details like what your deductible is and what things are co-pay versus subject to deductible. It does take some getting use to, I am from the UK and never worried about health insurance, don't you just hate that socialized medicine.