FIRE, How much do you pay for Health Insurance

[donheff]

Quote:

Originally Posted by grumpy As a retired fed the stanard option BCBS Federal costs $294/mo. for coverage for DW and me.

Darn. I quoted $255.79 but I haven't looked recently. If Grumpy is at $294 so am I. We pay the same as employees - no breaks for retirees.

[lazygood4nothinbum]

currently $435/month cobra for health, dental & eyes for single person, no deductible. kept company insurance (united healthcare) so i could complete my weekly multi-year allergy shot routine which would cost by itself more than the insurance does.

after cobra i'll be done with allergy shots and will get a lower cost, high deductible catastrophic insurance policy and self-insure up to that.

[razztazz]

Quote:

Razztazz, Who is the "we" who just can't afford it? *How do you figure that the gov's provision of health insurance coverage to federal retirees somehow negates the workings of the market? *I seem to have completely missed your point. * Grumpy

Yes, you completely missed my point.

[wabmester]

We pay $299/mo for a family of 3. HSA with $2600/year deductible, pays 80% / 100% after $10K, $1M lifetime cap.

[zcung]

So unless you w*rked for the Government, $700-800/month for family coverage is the norm. *And it sounds like a plan with a high deductible is the way to go, and 10-12K/year should be included in the ER annually.

Z

[zcung]

'and 10-12K/year should be included in the ER annually.'

Corrected to:

'and 10-12K/year should be included in the ER expenses annually.

[grumpy]

Quote:

Originally Posted by razztazz Yes, you completely missed my point.

Care to elaborate?

Grumpy

[kz]

Quote:

Originally Posted by zcung So unless you w*rked for the Government, $700-800/month for family coverage is the norm. *And it sounds like a plan with a high deductible is the way to go, and 10-12K/year should be included in the ER annually. Z

Not all gov't employees get health insurance upon retirement. DH and I are retired civil servants who pay $989 per month to stay with our past employer's insurance. $10 co-pays/$5 drugs.

[mickeyd]

Thanks to you all and the rest of generous America, I pay only $19.17 per month for Tricare Prime as a member of the retired military.

I realize that this is amazingly inexpensive in this day of double-didget annual insurance premium increases, but that's what they charge me and I am not embarassed to accept it along with the free pharmacy refills, no copays and no deductables that the plan provides for. I realize that the rates will eventually be increased, but it will never be as expensive as the premium that have been quoted here.

[free4now]

$475/mo COBRA for a single person, amazingly good coverage compared with most else.

[Donzo]

I put in an application with Aetna to see exactly what I will be up against.....the quote from E net was $283 for the 4 of us($5,000 D)--I'll let you know what the true price is when I hear back.

[mccl]

$270 a month for $600 deductible (then 80/20). Another $13/mo for dental coverage. This is through my former employer's retiree group medical plan.

[Calgary_Girl]

$104/month for family coverage. Includes health, dental, vision and prescriptions. Zero deductible and no co-pays