PeachParts Mercedes-Benz Forum - View Single Post - What are your health insurance premiums and how do you buy your insurance?

elchivito · #3 11-04-2012, 12:36 PM

I can get insurance for myself through my state retirement system for around 600 a month. If I add my wife and son, who is 19, the price skyrockets for some reason. Both are younger and healthier than I am.
I switched my coverage to my wife's policy with her employer as it was quite a bit less expensive. If she should lose her job I can go back onto retirement system coverage any time under a "qualifying event" definition and not have to wait till open enrollment. We have the second lowest tier policy for all three of us. It has decent 80/20 coverage, 25/75 dollar charges for office visits and emergency room, and maximum 40 dollar prescription copays. Max out of pocket is 5K per person on hospitalization.The only script I routinely take is 5 dollars.
I don't know exactly how it all breaks down but we have HI for the three of us, dental for the three of us, vision for my wife and me and a few other odds and ends like accidental death and dismemberment coverage etc. and the whole shooting match is a tick over 400 a month.
Some of this cost is offset by a benefit that my school district pays retirees until they reach medicare age. I get a quarterly check for 480 dollars, nominally to offset the cost of insurance but I'm free to use it as I see fit. There always seems to be a gun I want or good deals on whiskey right around the time that check arrives.