Whats the average price of medical insurance in the states? - GoFuckYourself.com

andrej_NDC · 01-17-2011, 10:40 AM

I'm talking about some family package and full coverage, something what pays for the basic stuff, but also surgeries, etc. Are we talking hundreds or thousands a month?

The Heron · 01-17-2011, 12:32 PM

Depends on the state first of all and then the coverage so you'd be best served just doing a google search for the area you are interested in.

_Richard_ · 01-17-2011, 12:36 PM

believe the scientific answer for this is 'an arm and a leg'

DateDoc · 01-17-2011, 12:37 PM

On average, the US family pays $13,375 for insurance per year. Those are 2009 numbers so it is probably higher now. http://www.usatoday.com/money/indust...ce-costs_N.htm

96ukssob · 01-17-2011, 12:44 PM

Quote:

Originally Posted by DateDoc

On average, the US family pays $13,375 for insurance per year. Those are 2009 numbers so it is probably higher now. http://www.usatoday.com/money/indust...ce-costs_N.htm

my

is probably around $16,000 to $20,000 per year now for a family (2 adults + 1 or 2 kids)... if not more.

i was just looking at the new rates and on my plan would be around $800/mo for family benefits. you can get crazy with $0 deductibles, better prescription coverage, eye, dental (mine covers basic dental) and life, but that would probably set you back around $1,200 to $1500/mo

LauraLee · 01-17-2011, 12:47 PM

Quote:

Originally Posted by _Richard_

believe the scientific answer for this is 'an arm and a leg'

Sounds right to me!

Actually it depends greatly on the following:
-State you get coverage in
-The genders in your family/group
-The ages in your family/group

TheSenator · 01-17-2011, 12:51 PM

NJ HMO 1700.00 for a family of five.

20,400 a year! I love America!

Vendzilla · 01-17-2011, 12:52 PM

When I was in the union in the 80's, I didn't pay for anything, I miss that. NO payments, NO deductibles, didn't pay for meds either, was pretty sweet

DateDoc · 01-17-2011, 12:55 PM

Quote:

Originally Posted by Vendzilla

When I was in the union in the 80's, I didn't pay for anything, I miss that. NO payments, NO deductibles, didn't pay for meds either, was pretty sweet

When I worked for DJT my health insurance was $3/paycheck. Covered family for health, dental and life insurance.

spazlabz · 01-17-2011, 01:00 PM

Quote:

Originally Posted by Vendzilla

When I was in the union in the 80's, I didn't pay for anything, I miss that. NO payments, NO deductibles, didn't pay for meds either, was pretty sweet

Yup, I was UAW in Ohio and it was sweet. The problem is that jobs that offer any kind of decent health insurance to their employees without the employee having to pay a lot are getting rarer and rarer by the month.

a full time job that pays the bills and offers benefits are about as common as white buffalo now in the US, it is putting more and more pressure on the middle class and working poor

andrej_NDC · 01-17-2011, 01:04 PM

Thanks, that helps a lot. And I'm interrested mainly in 3 states, NY, FL or CA.

Sunny Day · 01-17-2011, 01:15 PM

With a pre-existing condition, it's almost cheaper to pay for ANY surgery. My only hope is Obamacare stays as law. Otherwise, I'm facing a surgery for more than I've made in my entire life.

andrej_NDC · 01-17-2011, 01:22 PM

Just looking at some online rates and HMO type of insurance sounds interesting. With no deductibles($500-700 a month for 1 parent and 2 kids). Does it cover all surgeries that need to be done to save a life? If people sign the papers as 100% healthy?

Daddy Big Nuts · 01-17-2011, 01:26 PM

Quote:

Originally Posted by andrej_NDC

Thanks, that helps a lot. And I'm interrested mainly in 3 states, NY, FL or CA.

I'm in florida. Me, wifey, baby = $1200/month PPO $500 Deductable

Vendzilla · 01-17-2011, 01:36 PM

Quote:

Originally Posted by spazlabz

Yup, I was UAW in Ohio and it was sweet. The problem is that jobs that offer any kind of decent health insurance to their employees without the employee having to pay a lot are getting rarer and rarer by the month.

a full time job that pays the bills and offers benefits are about as common as white buffalo now in the US, it is putting more and more pressure on the middle class and working poor

I was lucky raising my daughter with a union job, insurance was never an issue. She found out when she got out of the Navy that she was covered with medical for 5 years, which will be a big help as she goes to school.

RycEric · 01-17-2011, 01:43 PM

Quote:

Originally Posted by andrej_NDC

I'm talking about some family package and full coverage, something what pays for the basic stuff, but also surgeries, etc. Are we talking hundreds or thousands a month?

You have to go through an underwriting process. Humana, for example, wanted over $5k a month with two months pre-paid for 4 employees (minimum requirement). That's group.

PornMD · 01-17-2011, 01:47 PM

Quote:

Originally Posted by TheSenator

NJ HMO 1700.00 for a family of five.

20,400 a year! I love America!

If you're lucky enough to live 50 years once achieving the family of 5, you can rest peacefully knowing that you've paid a million dollars for your health insurance.

suesheboy · 01-17-2011, 02:30 PM

Quote:

Originally Posted by andrej_NDC

Thanks, that helps a lot. And I'm interrested mainly in 3 states, NY, FL or CA.

3 very different states. Florida is the cheapest with the lowest taxes, but pays the poorest.

cybermike · 01-17-2011, 03:22 PM

Ny is pretty damn expensive for even a 2k high deductible plan

Supz · 01-17-2011, 03:25 PM

for a family, good insurance. in the XXXX range for sure. 1200-1500

topnotch, standup guy · 01-17-2011, 04:27 PM

It's pretty much the same as when shopping for a yacht. If you have to ask what it costs, you can't afford it

.

Morgan · 01-17-2011, 11:05 PM

I pay around 1k per month for my wife and I.

will76 · 01-17-2011, 11:12 PM

Quote:

Originally Posted by andrej_NDC

I'm talking about some family package and full coverage, something what pays for the basic stuff, but also surgeries, etc. Are we talking hundreds or thousands a month?

that's a very vague question. Family of 5, a married couple, or just solo person. Person in good health, avg or bad? no deductible or high deductible ?

To answer your question it could be $100 - $5,000.

Need more details.

garce · 01-17-2011, 11:15 PM

Sorry, friends. This is a heartbreaking thread.

The_Photographer · 01-18-2011, 04:44 AM

If you have a decent office job, you pay nothing. Your employer usually picks it up.

If you are poor, you go to the emergency room and the hospital is stuck with the bill.

If you self employed, you have two options:
-regular plan that will cost about $400-600 for you
-high deductible plan where you are responsible for the first X,XXX/year of health cost, but everything after that is covered. This sort of plan will cost $150 or so/month.

andrej_NDC · 01-18-2011, 05:04 AM

Quote:

Originally Posted by andrej_NDC

Just looking at some online rates and HMO type of insurance sounds interesting. With no deductibles($500-700 a month for 1 parent and 2 kids). Does it cover all surgeries that need to be done to save a life? If people sign the papers as 100% healthy?

Thanks a lot, guys, what about the above question?

Nurgle · 01-18-2011, 05:08 AM

fucking hilarous what you guys pay / month we pay per year in Australia.

will76 · 01-18-2011, 08:33 AM

Quote:

Originally Posted by Nurgle

fucking hilarous what you guys pay / month we pay per year in Australia.

How much you do you pay in income tax ????

Paul Markham · 01-18-2011, 10:30 AM

Quote:

Originally Posted by Vendzilla

When I was in the union in the 80's, I didn't pay for anything, I miss that. NO payments, NO deductibles, didn't pay for meds either, was pretty sweet

Which is why so many jobs disappeared from the US. Someone has to pay and in the end it comes out of wages and into the price of the goods.

I pay nothing and go to the hospital for check ups once every 2 months. I'm retired and after a lifetime of paying for health it's now free. My cure for cancer was also done on the CZ National Health scheme.

IMO we pay too little for medical insurance here and facilities are basic unless you're in grave danger. Like Eva and I were.

woj · 01-18-2011, 10:34 AM

self insurance FTW

pornguy · 01-18-2011, 10:36 AM

Quote:

Originally Posted by Sunny Day

With a pre-existing condition, it's almost cheaper to pay for ANY surgery. My only hope is Obamacare stays as law. Otherwise, I'm facing a surgery for more than I've made in my entire life.

Consider going to another country.

My wife had eye surgery in 2001 cost about 12k. Insurance picked up about 9 so it was not bad. Now she needs the other eye done. Cost in the US is more than 20k for ambulatory. means she walks in and walks out same day. Instead she is going to Cuba. ( She is from there ). The best Hospital in the country will do it for 2.5k. 3 days in the hospital 7 in a hotel and check ups daily for a total of 10 days care.

ReGGs · 01-18-2011, 10:41 AM

I can't understand for the life of me how a family of 4 is paying 800 dollars a month. I pay 100$ for decent coverage. Even if you had full coverage for your kids and just the regular for your wife I would assume that couldn't be more than 600 (100 per adult 200 per kid.) Just seems like people are getting ripped off.

AmeliaG · 01-18-2011, 11:08 AM

Quote:

Originally Posted by The_Photographer

If you have a decent office job, you pay nothing. Your employer usually picks it up.

If you are poor, you go to the emergency room and the hospital is stuck with the bill.

If you self employed, you have two options:
-regular plan that will cost about $400-600 for you
-high deductible plan where you are responsible for the first X,XXX/year of health cost, but everything after that is covered. This sort of plan will cost $150 or so/month.

Or you can pay for medical care, instead of making insurance company middlemen rich.

BlackCrayon · 01-18-2011, 11:12 AM

some people are paying more for insurance than the average canadian making 50k/year pays in income taxes total. sad situation. i really hope the care and treatment you get is above and beyond and that the insurance companies don't dare dick you around after paying such insane sums.

LeRoy · 01-18-2011, 11:13 AM

I got it made

DTI Cash pays 100%. For the whole family

I'm at Kaiser so no complaints. If I need to I can switch to PPO also.

kristin · 01-18-2011, 11:18 AM

Quote:

Originally Posted by bossku69

my

is probably around $16,000 to $20,000 per year now for a family (2 adults + 1 or 2 kids)... if not more.

i was just looking at the new rates and on my plan would be around $800/mo for family benefits. you can get crazy with $0 deductibles, better prescription coverage, eye, dental (mine covers basic dental) and life, but that would probably set you back around $1,200 to $1500/mo

I have insurance covered by TB but I pay for my husband and kid's - $10k/year. Oy vey.

AndreaM · 01-18-2011, 11:20 AM

We have insurance through my husbands work, union, via the county/state. For our family of 4 our plan costs (though is 100% covered) about $1300/month. I still have co-pays on things ranging from $5 to $75. I totally understand why most people have no health insurance here.

_Richard_ · 01-18-2011, 11:22 AM

Quote:

Originally Posted by ReGGs

I can't understand for the life of me how a family of 4 is paying 800 dollars a month. I pay 100$ for decent coverage. Even if you had full coverage for your kids and just the regular for your wife I would assume that couldn't be more than 600 (100 per adult 200 per kid.) Just seems like people are getting ripped off.

in Canada my rates are $58 per month, for spouse i think it's $75, for full family its $108

canadian.

baddog · 01-18-2011, 11:27 AM

My corp pays $1,466/mo for group health and $46/mo for group dental. Covers me, employee, their family. We have a $15 co-pay, no deductibles.

spazlabz · 01-18-2011, 12:01 PM

Quote:

Originally Posted by pornguy

Consider going to another country.

My wife had eye surgery in 2001 cost about 12k. Insurance picked up about 9 so it was not bad. Now she needs the other eye done. Cost in the US is more than 20k for ambulatory. means she walks in and walks out same day. Instead she is going to Cuba. ( She is from there ). The best Hospital in the country will do it for 2.5k. 3 days in the hospital 7 in a hotel and check ups daily for a total of 10 days care.

I'm jealous. I have keratoconus in both eyes bad enough that they both require surgery. Cornea replacement in the left and a round stint in the right to prevent it from getting worse. Neither are 'correctable' with glasses but I would be considered a 'cash patient' which means I would have to shit a healthy $50K combined costs before they started cutting

I squint a lot

IllTestYourGirls · 01-18-2011, 12:10 PM

Well since the public sector has to compensate for the insanely low price fixes the government puts on pay outs for medicare/aid, insurance prices will just continue to go up and up and up.

Sid70 · 01-18-2011, 12:18 PM

Quote:

Originally Posted by TheSenator

NJ HMO 1700.00 for a family of five.

20,400 a year! I love America!

If you still can pay that it means you earrn at least 5 times more, if so, why complain? Majority of the world earn this much for a life time.

andrej_NDC · 01-19-2011, 11:58 AM

Found out some interresting stuff. For a family of 3, tourists, non-US citizens, a $1mil health insurance for 6 months costs only $1600, with no deductibles, insurance covers 90% of the first $5k and 100% of the rest, until $1mil. Thats crazy, its better to stay a non-US citizen to get better threatment than an US citizen? And you can renew this insurance until forever, too.

kristin · 01-19-2011, 12:01 PM

Quote:

Originally Posted by andrej_NDC

Found out some interresting stuff. For a family of 3, tourists, non-US citizens, a $1mil health insurance for 6 months costs only $1600, with no deductibles, insurance covers 90% of the first $5k and 100% of the rest, until $1mil. Thats crazy, its better to stay a non-US citizen to get better threatment than an US citizen? And you can renew this insurance until forever, too.

That's fucked up.

seeandsee · 01-19-2011, 12:02 PM

I get free insurance for now

jesse_adultdatingdollars · 01-19-2011, 12:23 PM

I pay $400 a month for mine.

Vendzilla · 01-19-2011, 02:20 PM

Quote:

Originally Posted by Paul Markham

Which is why so many jobs disappeared from the US. Someone has to pay and in the end it comes out of wages and into the price of the goods.

I pay nothing and go to the hospital for check ups once every 2 months. I'm retired and after a lifetime of paying for health it's now free. My cure for cancer was also done on the CZ National Health scheme.

IMO we pay too little for medical insurance here and facilities are basic unless you're in grave danger. Like Eva and I were.

That same union now is not paying 100% for things

Nurgle · 01-19-2011, 03:15 PM

Quote:

Originally Posted by will76

How much you do you pay in income tax ????

a reasonable amount but then not a huge amount extra than what many americans on the same wage would pay.

Id take our tax / medical system any day over the nonsense you guys have over there.

Sunny Day · 01-19-2011, 05:38 PM

I used to be in a union. Go to the doc in January, pay the visit in full. After that everything was covered 100% for the rest of the year.
Later I worked at a small business. The owner had pooled with a few other small businesses to self insure. I can't remember what big insurance company to actually manage the plan, but their self insured company was registered in the Netherlands Antilles. So every winter, they got a tax deductible trip to the annual meeting.

01-17-2011, 10:40 AM	#1
andrej_NDC Registered User Industry Role: Join Date: May 2004 Posts: 7,760	Whats the average price of medical insurance in the states? I'm talking about some family package and full coverage, something what pays for the basic stuff, but also surgeries, etc. Are we talking hundreds or thousands a month?

01-17-2011, 12:37 PM	#4
DateDoc Outside looking in. Industry Role: Join Date: Feb 2005 Location: To Hell You Ride Posts: 14,243	On average, the US family pays $13,375 for insurance per year. Those are 2009 numbers so it is probably higher now. http://www.usatoday.com/money/indust...ce-costs_N.htm __________________

01-17-2011, 12:51 PM	#7
TheSenator Too lazy to set a custom title Industry Role: Join Date: Feb 2003 Location: NJ Posts: 13,332	NJ HMO 1700.00 for a family of five. 20,400 a year! I love America! __________________ ISeekGirls.com since 2005

01-17-2011, 12:52 PM	#8
Vendzilla Biker Gnome Industry Role: Join Date: Mar 2004 Location: cell#324 Posts: 23,200	When I was in the union in the 80's, I didn't pay for anything, I miss that. NO payments, NO deductibles, didn't pay for meds either, was pretty sweet __________________ Webair died? Carbon is not the problem, it makes up 0.041% of our atmosphere , 95% of that is from Volcanos and decomposing plants and stuff. So people in the US are responsible for 13% of the carbon in the atmosphere which 95% is not from Humans, like cars and trucks and stuff and they want to spend trillions to fix it while Solar Panel plants are powered by coal plants think about that

01-17-2011, 01:15 PM	#12
Sunny Day Confirmed User Industry Role: Join Date: Dec 2010 Posts: 1,406	Med Insurance With a pre-existing condition, it's almost cheaper to pay for ANY surgery. My only hope is Obamacare stays as law. Otherwise, I'm facing a surgery for more than I've made in my entire life.

01-17-2011, 12:32 PM	#2
The Heron Confirmed User Industry Role: Join Date: Apr 2001 Location: Michigan Posts: 4,487	Depends on the state first of all and then the coverage so you'd be best served just doing a google search for the area you are interested in.

01-17-2011, 12:36 PM	#3
_Richard_ Too lazy to set a custom title Industry Role: Join Date: Oct 2006 Location: Vancouver Posts: 30,985	believe the scientific answer for this is 'an arm and a leg'

01-17-2011, 01:04 PM	#11
andrej_NDC Registered User Industry Role: Join Date: May 2004 Posts: 7,760	Thanks, that helps a lot. And I'm interrested mainly in 3 states, NY, FL or CA.

01-17-2011, 01:22 PM	#13
andrej_NDC Registered User Industry Role: Join Date: May 2004 Posts: 7,760	Just looking at some online rates and HMO type of insurance sounds interesting. With no deductibles($500-700 a month for 1 parent and 2 kids). Does it cover all surgeries that need to be done to save a life? If people sign the papers as 100% healthy?

01-17-2011, 03:22 PM	#19
cybermike Confirmed User Join Date: Jan 2002 Location: Ny Posts: 4,109	Ny is pretty damn expensive for even a 2k high deductible plan __________________ Hey surfers how about some The Best Porn Sites

01-17-2011, 03:25 PM	#20
Supz Arthur Flegenheimer Industry Role: Join Date: Jul 2006 Location: New York City Posts: 11,056	for a family, good insurance. in the XXXX range for sure. 1200-1500

01-17-2011, 04:27 PM	#21
topnotch, standup guy Confirmed User Industry Role: Join Date: Mar 2008 Location: Here and there. Posts: 1,562	It's pretty much the same as when shopping for a yacht. If you have to ask what it costs, you can't afford it . __________________ A hard dick has no conscience.

01-17-2011, 11:05 PM	#22
Morgan Too lazy to set a custom title Industry Role: Join Date: May 2002 Location: Corona Del Mar, CA Posts: 10,520	I pay around 1k per month for my wife and I.

01-17-2011, 11:15 PM	#24
garce Confirmed User Industry Role: Join Date: Oct 2001 Location: Toronto Posts: 7,103	Sorry, friends. This is a heartbreaking thread.

01-18-2011, 04:44 AM	#25
The_Photographer Registered User Join Date: Feb 2004 Posts: 27	If you have a decent office job, you pay nothing. Your employer usually picks it up. If you are poor, you go to the emergency room and the hospital is stuck with the bill. If you self employed, you have two options: -regular plan that will cost about $400-600 for you -high deductible plan where you are responsible for the first X,XXX/year of health cost, but everything after that is covered. This sort of plan will cost $150 or so/month. __________________ Jesus is Santa Claus for adults.

01-18-2011, 05:08 AM	#27
Nurgle Confirmed User Join Date: Feb 2001 Location: Land of OZ Posts: 2,337	fucking hilarous what you guys pay / month we pay per year in Australia. __________________ I am not a megalomaniac.. I just rule the world Need Quality Hardlinks? We have several packages and custom deals available. High Quality Hard Links For Sale ICQ: 394016570

01-18-2011, 10:34 AM	#30
woj <&(©¿©)&> Industry Role: Join Date: Jul 2002 Location: Chicago Posts: 47,882	self insurance FTW __________________ Custom Software Development, email: woj#at#wojfun#.#com to discuss details or skype: wojl2000 or gchat: wojfun or telegram: wojl2000 Affiliate program tools: Hosted Galleries Manager Banner Manager Video Manager Wordpress Affiliate Plugin Pic/Movie of the Day Fansign Generator Zip Manager

01-18-2011, 10:41 AM	#32
ReGGs Confirmed User Join Date: Apr 2006 Location: SoFla Posts: 248	I can't understand for the life of me how a family of 4 is paying 800 dollars a month. I pay 100$ for decent coverage. Even if you had full coverage for your kids and just the regular for your wife I would assume that couldn't be more than 600 (100 per adult 200 per kid.) Just seems like people are getting ripped off.

01-18-2011, 11:12 AM	#34
BlackCrayon Too lazy to set a custom title Join Date: Jun 2003 Location: Ottawa Posts: 19,631	some people are paying more for insurance than the average canadian making 50k/year pays in income taxes total. sad situation. i really hope the care and treatment you get is above and beyond and that the insurance companies don't dare dick you around after paying such insane sums. __________________ you don't know you're wearing a leash if you sit by the peg all day..

01-18-2011, 11:13 AM	#35
LeRoy Porn Pusher Industry Role: Join Date: Jul 2007 Location: It's a dry heat Posts: 13,337	I got it made DTI Cash pays 100%. For the whole family I'm at Kaiser so no complaints. If I need to I can switch to PPO also. __________________ JAPANESE CAMS AND CONTENT SITES Skype - leroy.rowland2

01-18-2011, 11:20 AM	#37
AndreaM Confirmed User Industry Role: Join Date: Mar 2008 Location: City of Lost Angels Posts: 174	We have insurance through my husbands work, union, via the county/state. For our family of 4 our plan costs (though is 100% covered) about $1300/month. I still have co-pays on things ranging from $5 to $75. I totally understand why most people have no health insurance here. __________________ Engagement Marketing/Brand Development K2Dynamics, Inc. [email protected] \| ICQ: 40794650 \| skype: andreajmata

01-18-2011, 11:27 AM	#39
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,089	My corp pays $1,466/mo for group health and $46/mo for group dental. Covers me, employee, their family. We have a $15 co-pay, no deductibles.

01-18-2011, 12:10 PM	#41
IllTestYourGirls Ah My Balls Industry Role: Join Date: Feb 2007 Location: Under the gold leaf ICQ 388-454-421 Posts: 14,311	Well since the public sector has to compensate for the insanely low price fixes the government puts on pay outs for medicare/aid, insurance prices will just continue to go up and up and up. __________________

01-19-2011, 11:58 AM	#43
andrej_NDC Registered User Industry Role: Join Date: May 2004 Posts: 7,760	Found out some interresting stuff. For a family of 3, tourists, non-US citizens, a $1mil health insurance for 6 months costs only $1600, with no deductibles, insurance covers 90% of the first $5k and 100% of the rest, until $1mil. Thats crazy, its better to stay a non-US citizen to get better threatment than an US citizen? And you can renew this insurance until forever, too.

01-19-2011, 12:02 PM	#45
seeandsee Check SIG! Industry Role: Join Date: Mar 2006 Location: Europe (Skype: gojkoas) Posts: 50,945	I get free insurance for now __________________ BUY MY SIG - 50$/Year Contact here

01-19-2011, 12:23 PM	#46
jesse_adultdatingdollars Confirmed User Industry Role: Join Date: Apr 2006 Location: San Diego Posts: 2,197	I pay $400 a month for mine. __________________ Got Dating Traffic? Contact: Jesse (at) adultdatingdollars.com ICQ: 296775809 or AIM: cabotime21

01-19-2011, 05:38 PM	#49
Sunny Day Confirmed User Industry Role: Join Date: Dec 2010 Posts: 1,406	I used to be in a union. Go to the doc in January, pay the visit in full. After that everything was covered 100% for the rest of the year. Later I worked at a small business. The owner had pooled with a few other small businesses to self insure. I can't remember what big insurance company to actually manage the plan, but their self insured company was registered in the Netherlands Antilles. So every winter, they got a tax deductible trip to the annual meeting.