How much do you pay for insurance per month?
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How much do you pay for insurance per month?
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11-10-2009, 05:41 AM
$58, twice a month for HMO.
$3.33 twice a month for vision benefits I've never used. $24.22, twice a month for long term disability, also never used -- I wonder what good it does if I'm not using it ;-) 
11-10-2009, 12:58 PM
I relooked at my stuff and I should push my poll vote a rung DOWNward.
One little bit of $$$ was purely optional on my part and not reflective of overall insurance/need.
11-10-2009, 01:43 PM
Oh, and my plan is 100% funded by employees. The company allocates funding for it, but it's supposed to be 'paid back' out of the bonus pool when we pay for the insurance. It's a complex calculus. Large employer risk pool, and all that.
11-10-2009, 01:49 PM
who(m)ever came up with 'insurance'?
I have mixed feelings on so many real-life implementations of 'insurance'. Almost always borders on 'scam' to me. Shell game at best.
11-10-2009, 02:11 PM
When my wife worked in our family business, she and I, and two daughter cost $16,000 a year with the usual co-pays and deductibles.
$16,000 after tax dollars and going up every year...Yeahhhhh...let's hear it for the nice insurance companies.... She finally had to get a job with the county as an educational assistant basically changing children 10-16 years old diapers all day, a job she can't stand....but our health care is down to $2500 a year, plus the usual co-pays. I can't understand the knuckleheads I see on TV standing up for the insurance companies, they must have never, ever had to pick up the full ticket for their family's health insurance. Oh yeah, the $16,000 plan had no vision or dental. Two adults over 50, two teenage kids...$16,000+ a year, it's no wonder I have no savings.
11-10-2009, 03:00 PM
AAA wrote: I agree. The first thing insurance does is to isolate the customer from the true cost. Most people think the services they get are for free. In fact, if they don't use the services they think they are being cheated.Few people know who much their X-ray costs but they know exactly how much an oil change costs. The real healthcare reform is when you look the doctor in the eyes and write him a check. Insurance should only be used for catastrophic events that you can't budget for. And it doesn't need 1900 pages to say it.
11-10-2009, 03:08 PM
11-10-2009, 03:26 PM
Mike Sellers wrote: Check out Act II for the answer. good listen
11-10-2009, 11:20 PM
I am self-employed. I pay 100% of my insurance out my own pocket. My rate has been increasing annually at about five times the rate of inflation since 2004, not counting periodic increases pegged to age. It's absolutely ridiculous. I have to use a separate plan for dental, which isn't insurance so much as a discount plan.
Insurance should only be used for catastrophic events that you can't budget for. And it doesn't need 1900 pages to say it. :nuts: |
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