affordable Health insurance

[Donal78 0]

I have just started a new job and waiting to be made permanent. I hav just found out that full health insurance for a married couple is close to 800 dollars a month. This is crazy. Is that the normal price or is that too high. Can anyone make a few suggestions as we plan to have a child next year. My wifes insurance sucks they wanted 1000 dollars a month for family health insurance.

When i was in ireland my plan which covered everything was $60 a month.

[Donal78 0]

I have just started a new job and waiting to be made permanent. I hav just found out that full health insurance for a married couple is close to 800 dollars a month. This is crazy. Is that the normal price or is that too high. Can anyone make a few suggestions as we plan to have a child next year. My wifes insurance sucks they wanted 1000 dollars a month for family health insurance.

When i was in ireland my plan which covered everything was $60 a month.

I just asked my buddy here in work again and he double checked.Its 300 - 400 so please ignore this post.

[wally 0]

we have a few options at my husband's insurance co.

last year we bought the 'plus' plan for $300/mo. cause I wasn't sure what our medical needs would be and I really didn't understand how it worked. My kids play in a lot of sports and I was worried about injuries and such.

this year we're downgrading to just the regular plan for $130/mo. as now I have a better understanding of the 'flex spending account' and how the vision and dental benefits are in fact paid separately

I have just started a new job and waiting to be made permanent. I hav just found out that full health insurance for a married couple is close to 800 dollars a month. This is crazy. Is that the normal price or is that too high. Can anyone make a few suggestions as we plan to have a child next year. My wifes insurance sucks they wanted 1000 dollars a month for family health insurance.

When i was in ireland my plan which covered everything was $60 a month.

I just asked my buddy here in work again and he double checked.Its 300 - 400 so please ignore this post.

[luv2teach77 41]

My wife and I have just moved from having two insurance plans through our respective employers to having one together. We were paying around $350 a month in total for our two individual policies and neither of them had any Maternity coverage. Our employers were offering extra money every month to opt out of the company plans so now we are given around $350 (combined payments from both employers) per month by our employers to put towards our health insurance. We have just started a plan with Blue Cross / Blue Shield and are paying a little over $400 per month now for a policy that includes maternity coverage.

It is a real headache and even with the maternity coverage we cannot make any claims against that portion of the policy until October of next year. You should be aware of this fact before trying for a baby because it is my understanding that 99% of medical insurance providers will not cover any pregnancy or maternity costs unless maternity coverage has been in place for at least 9-12 months. We were lucky to find a great insurance and financial advisor who found us a policy that met all of our requirements for not much than we were paying already.

Best of luck

Mark

[dani_christine 0]

that pregnancy exclusion is only true if you are purchasing an individual health insurance policy. if you are covered under a group insurance policy through an employer, and that policy covers maternity benefits, it will usually cover from the first effective-date of the policy, i think.

[Laura_and_IanM 0]

that pregnancy exclusion is only true if you are purchasing an individual health insurance policy. if you are covered under a group insurance policy through an employer, and that policy covers maternity benefits, it will usually cover from the first effective-date of the policy, i think.

You are correct!!!!

LJ

[Marilyn. 340]

we pay about $120 a cheque for the 2 of us and when we added our son it went up to $187 a cheque....

[WretchedMidget 0]

I'm on my husband's policy, simply because it was $11/month cheaper than what my job was offering, and covered a *lot* more. We now pay $109 per check. Chances are we didn't even need to go with that plan, and could've got something a lot cheaper (they had about 6 tiers to choose from), but I figured it'd be nice to have everything covered just incase. I'm kind of accident prone....

[Reba 2]

mine from work will cost me $107 per cheque and then it goes up to $109 per cheque in January. And we just got the lowest tier network coverage they had.

This will severely cut into my wages, that's for sure

[Donal78 0]

Thanks for all the advice. Its been very helpful

[Chris-n-Veronica 0]

Check here:

https://www.ehealthinsurance.com

I have just started a new job and waiting to be made permanent. I hav just found out that full health insurance for a married couple is close to 800 dollars a month. This is crazy. Is that the normal price or is that too high. Can anyone make a few suggestions as we plan to have a child next year. My wifes insurance sucks they wanted 1000 dollars a month for family health insurance.

When i was in ireland my plan which covered everything was $60 a month.

[luv2teach77 41]

The thing that we found most frustrating was that my company basically made it as difficult and unattractive as possible to add my wife.

Basically our situation was that I was made permanent through a temp-to hire contract. I had medical insurance through the staffing agency and carried that on through the COBRA as I wasn't immediately eligible for insurance through my new employer (had to wait 60 days).

In the run up to the 60th day I started inquiring about the cost of having me and my wife covered under the company policy. If my wife didn't work and therefore wasn't eligible for medical insurance through another employer it would have been around $80 per paycheck to cover us both. The fact that she does work meant that they wanted me to pay the same $80 PLUS $250 per month to have her added. The added kicker was that even after stumping up all this money every month, the company policy would still only act as secondary insurance to my wife meaning we'd have to continue paying for another policy for her ourselves.

The flip side was that if I chose to opt out of the company plan, I would get an extra $150 every paycheck towards my own insurance. My wifes employer offered a similar deal and after consulting with an insurance broker, we are able to get all the coverage we need and its almost all covered by the money our employers pay to us for not taking their own insurance. Seems crazy to me that they would make it so difficult but in the end its panned out just fine.

Mark