Health Insurance

[trillium13 84]

Hey all, this is my first poll, I hope I did the questions right.

For all of my working life, up until the past year and a half, I have had health insurance that was completely paid by my employer. I currently have it available where I work, but I would have to pay for a chunk of it. Due to our financial situation, this isn't an option-therefore my husband and I are completely uninsured. It scares the hell out of me sometimes but it's just not in the budget. We've looked into some catastrophic type plans but even those are expensive, for us.

With all of the current discussions going on about health insurance, I thought this would be a good time to post this poll. Just curious as to where everyone else is at.

[raymaga 25]

My husband and I have health insurance that is paid for by his employer (he has a government city job).

I am so thankful that all we have to pay for is our co-pays and a yearly deductible of $100.00 each.

We still have my daughter (who is a college student) on our insurance, but she will not be a student for one year after this year's summer quarter, so I'm going to have to start searching for cheap insurance for her unless she can get a job that pays for it.

I hate the stress of insurance here in the U.S. In Canada, it was never an issue.

[w¡n9Nµ7 §£@¥€r 123]

I have employer sponsored insurance. My wife is also on the same policy. They pay slightly over 75% of total premium cost, I pay the remainder.

[Penguin_ie 5,997]

We are paying for it ourselves, because I am mostly a SAHM doing some freelance work for a UK company, and my USC husband has not found a permanent job yet since we moved back to the USA. Were this Europe, we'd go without health insurance, but I am just not comfortable doing this in the USA, where private health insurance premiums are high, but even a quick visit to the doctor costs so much more. Especially with two toddlers- they have not needed to go to the doctor other than for well-child visits thankfully, but something can happen so quickly and I don't want to have to think about expenses when there is a 2 year old with a broken arm.

[Marilyn. 340]

we have pretty good insurance through my husband's employer. they cover mostly everything but we do have co-pays.. $15 for a regular doctor $30 for a specialist.. and they only cover 90% of hospital visits and surgeries etc..

he gets paid bi-weekly and about $130 is taken off each check for insurance

[kaffy 2]

We have health insurance through my work. Coverage is decent and costs are reasonable

[Rhiannercakes 14]

I don't have any insurance.

I was supposed to, but my fiance lost his job so we're insuranceless at the moment until he activates COBRA... if we can afford it.

[Kathryn41 3,205]

We are covered through my husband's employment. We have $25 regular doctor copays and $50 specialist copays; between 50 to 80% prescription coverage (depending if you are getting the preferred prescription that the drug companies are paying the insurance company to promote or not), and 80% hospitalization.

[DanielParul 50]

Our health insurance is paid for by Daniel's employer. Tricare is the best anyone can get. It provides almost 100% coverage and is totally hassle-free. The only thing we have to pay is $3 per prescription

[redglasses 1]

Our insurance is paid for by my husband's employer since I am a student and can work only part time.

We haven't had a chance to use the insurance yet, but the coverage is decent, I think...

[The_Dude 1,142]

My employer pays for mine and my family's insurance. The only out of pocket expense is $10 co-pay per visit (regular doctor or a specialist) and $10 per prescription. There are no exceptions or exclusions.

Our health insurance is paid for by Daniel's employer. Tricare is the best anyone can get. It provides almost 100% coverage and is totally hassle-free. The only thing we have to pay is $3 per prescription

I can attest to that. My sister who is married to a Marine had a very difficult pregnancy that required several surgeries. At one point, they had to airlift her from one hospital in Charlotte to Atlanta for some procedure. Zero paperwork, zero added cost.

[~Johnny~ 27]

we have pretty good insurance through my husband's employer. they cover mostly everything but we do have co-pays.. $15 for a regular doctor $30 for a specialist.. and they only cover 90% of hospital visits and surgeries etc..

he gets paid bi-weekly and about $130 is taken off each check for insurance

Almost exact same here. And I wish it were cheaper, but gotta have it!

[bora bora 1]

My employer pays for 100% of my insurance, but if I added my husband onto mine it'd cost us almost $400/month. Ouch. Luckily, he has insurance through his job and pays probably about $20+/week for it. He has Aetna.

[Ladylethal 12]

I don't have it as I'm not working, if I need a doctor I pay out of pocket. The point is rather moot though since in May hubby leaves for basic training and we'll be enrolled in Tricare through the Air Force.

[Leafgal 3]

Have it and it is partially paid for by my husbands employer.