Health Insurance Poll

Discussion in 'Off Topic Chat' started by oriecat, Sep 28, 2004.

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  1. oriecat

    oriecat work in progress

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    We are working on our annual group insurance renewal here at work, and I am curious to find out what sort of benefits other assorted people have, and y'all are a good group of other assorted people therefore here I am...

    Imagine it's January and you come down with something bad and need to see the doc to have it looked at. How much would you pay out of pocket for the office visit? Would you just pay a copay? Would you pay a percentage of the bill (co-insurance)? What percentage? Would you pay the whole thing because you hadn't met your deductible yet for the year? If so, what is your deductible?

    If you're comfortable sharing this, then I would appreciate it! :) Or you can PM me if you want!
     
  2. Big Mike

    Big Mike I am Big, I am Mike Staff Member Supporting Member

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    Well, I'm Canadian...I don't pay out of pocket when I go to the doctor but when I see a dentist for example...I think I have to pay up front and my health plan will reimburse me the appropriate amount...something like 80%. I know that some plans have a card that you can use...then the dentist will only charge you the 20% and that's it...they charge the plan company directly.

    Same with drugs, most places I have worked had a drug card so I only had to pay the 10% or 20%. My current plan does not have a card and I have to pay and get reinbursed...suposedly this saves me (and the company) some money but I would rather have the card.

    I know the dental coverage has all sorts of limits. $2000 per year for minor stuff...another limit for major work...cosmetic stuff etc.

    There are other coverages with limits; Chiropractor, massage therapist, etc.

    I think I have coverage for eye glasses but it's only $200 every 24 months.

    Hope that helps. I can break out the book if you have any specific questions.
     
  3. photogoddess

    photogoddess TPF Noob!

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    $10 copay for a doctor's visit. No deductible. I have a pretty good plan for my employees here and an awesome insurance broker. :p
     
  4. steve817

    steve817 TPF Noob!

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    My copay is $15. It's great insurance. When my duaghter was born 6 weeks pre-mature she spent 5 days in the NICU. I think the hospital bill was around 35K. Total cost to me at the time.....$10 dollars, which is what my copay was at the time.
     
  5. Karalee

    Karalee hOtLiPs!

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    Last time I went to the doctor, I didnt pay a copay, in fact, Im still waiting to see how much that was.
     
  6. voodoocat

    voodoocat ))<>(( Supporting Member

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    I pay a copay of $15 for most things...
    I know that we paid $1000 deductible (500 for the wife 500 for baby) to birth this child.
     
  7. Alison

    Alison Swiss Army Friend Supporting Member

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    Mine is weird. Hospitals have a deductable ($300/member) up to $900 I think. Regular office visit $20. Specialist visits (and yes ladies, the GYN is considered a specialist :roll: ) $40.
     
  8. gecko

    gecko TPF Noob!

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    a ob/gyn has to school further than a gp after all
     
  9. Not Neve

    Not Neve TPF Noob!

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    Hi Mindy!

    I pay a co-pay....$15 for my primary, $25 if a specialist.

    In the past, I've had better insurance where I had similar co-pays but better coverage for anything like x-rays, lab work. This year my coverage for the extra tests isn't as good. And wouldn't you know, this is the year I'm diagnosed with a condition that needs constant monitoring.

    So, I'm having to pay the $25 co-pay once a month, and having lab work monthly, in addition to a portion of the thyroid scan. So, I've paid a $250 deductible for the other tests, and then a co-insurance (I think it's 10%) for each date of service for the testing (whether thyroid scan or lab work or x-ray).

    Sounds like Steve has the best insurance!
     
  10. Not Neve

    Not Neve TPF Noob!

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    Oh, can K and I expect you for dinner on your visit to the Seattle area?
     
  11. gecko

    gecko TPF Noob!

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    $5 copay $10 specialist
    thats it
     
  12. Corry

    Corry Flirtacious and Bodacious Supporting Member

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    I hardly use my insurance, so I'm not sure about doctor visits, but my perscriptions are $5.
     
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