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I really really need to look for another job that doesn't underpay 20% and doesn't pay much into the insurance.
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Moderators: Bakhtosh, EvilHomer3k
Depends on the job and employer. There is no typical. I pay very little out of pocket but my employers pay a lot. I don't make a lot of money but the medical is a pig perk. Others in my office aren't so lucky. They pay a little more than a little if they have a spouse that they cover. They pay shit ton for their kids. And the company still pays a ton for their families. Decent coverage under a group policy in the states can cost as much at $1000 a month per person or more. If you are covering a family of four or five, that's can be around $4000 a month or more. If a company is charging you $600 a month for $4000 worth of coverage then they're still eating $3400 a month, which is close to my entire salary. I think a family of four here would pay about $470 a month for the typical HMO with $15 copays on office visits and $40/$10 copays on drugs.ChaoZ wrote:$600 bucks a month medical?
Is that typical in the US?
My ex-boss had his wife and two kids on the company's plan at the time and was playing $675 or so. The company's plan was considered "complete shit", incidentally. HR used to give us spiels that "it's always worse for health care professionals/companies to get insurance because it is assumed they know how to game the system". What the fuck does that even mean? When someone spews out a corporate line like that I just assume it means they aren't even trying at any part of their life.ChaoZ wrote:$600 bucks a month medical?
Is that typical in the US?
Um I live in Jersey our car insurance and property taxes suck just as much as my health insurance. I'm not even sure I end up with money at the end of the month at this point.ChaoZ wrote:I guess we're even for the crappy car insurance rates we get up here.
Massive government bailout, too big to fail, etc.Paingod wrote:What would happen if a hundred million people just threw their arms up and cancelled their health insurance?
I've been loving watching my property taxes go down every year until this year. This year they're more than doubling my water costs and they're raising property tax rates to make up for the revenue decrease that they can't run government and schools and such on any more because of decreasing property values. The only perk to being into my home for more than twice as much as it is worth is about to be eroded.Octavious wrote:Um I live in Jersey our car insurance and property taxes suck just as much as my health insurance. I'm not even sure I end up with money at the end of the month at this point.ChaoZ wrote:I guess we're even for the crappy car insurance rates we get up here.
My guess, premiums would go down enough that 80 million of the healthier ones would pay back in and the rest would be denied coverage.Paingod wrote:What would happen if a hundred million people just threw their arms up and cancelled their health insurance?
Heh. There were more than 1 person who were wondering what all the fuss was about over 12 bucks.Isgrimnur wrote:I'm feeling worse about my recent rent escapade... ?
My wife gets fairly good coverage through her work but her copay is $25.Octavious wrote:Went up 66 bucks a month. That about seals it for me. I have to f'n get the hell out of this place.That brings it up to 580ish a month and our copay is 25 bucks for a doctor 50 for a specialist...
I'm not trying to be an ass, but I can't *believe* you're complaining about having to pay 100 bucks a month for chemotherapy.Exodor wrote:My wife gets fairly good coverage through her work but her copay is $25.Octavious wrote:Went up 66 bucks a month. That about seals it for me. I have to f'n get the hell out of this place.That brings it up to 580ish a month and our copay is 25 bucks for a doctor 50 for a specialist...
That's $25 every time she walks through the door.
With her chemo she visit at least once a week so we're spending upwards of $100 a month just on co-pays.
That's just for the visits. The battery of drugs she's on?geezer wrote:I'm not trying to be an ass, but I can't *believe* you're complaining about having to pay 100 bucks a month for chemotherapy.
geezer wrote:I'm not trying to be an ass, but I can't *believe* you're complaining about having to pay 100 bucks a month for chemotherapy.Exodor wrote:My wife gets fairly good coverage through her work but her copay is $25.Octavious wrote:Went up 66 bucks a month. That about seals it for me. I have to f'n get the hell out of this place.That brings it up to 580ish a month and our copay is 25 bucks for a doctor 50 for a specialist...
That's $25 every time she walks through the door.
With her chemo she visit at least once a week so we're spending upwards of $100 a month just on co-pays.
In a more general sense, I think employees are generally blissfully unaware of what the true cost of their health care coverage is, and how much it increases by, every year. Employees are one of the single largest line items for many companies, and when you realize that the cost to employ them alone goes up by a few percentage points a year, the fact that many companies are flat or just squeaking by right now puts a lot of pressure on their bottom line - not the bottom line that pays those fat owners bonuses, but the bottom line that is literally the difference between the company being a worthwhile ongoing concern for the ownership and not.
I apologize if what I said was offensive - it wasn't meant to be. My wife is a cancer survivor, as I pray yours will be, and I understand the stress, hardship and sadness you are feeling, and I understand what it's like to have financial pressures on top of that. I truly do, regardless of what's in my driveway.Exodor wrote:That's just for the visits. The battery of drugs she's on?geezer wrote:I'm not trying to be an ass, but I can't *believe* you're complaining about having to pay 100 bucks a month for chemotherapy.
Those cost even more.
And that's ignoring the $2000 we spent in January.
Not to mention the ongoing premiums we pay.
And yet we have to pay $25 just to walk through the door. Going in to have a dressing changed? $25. Going in to turn in the machine she wears for two days? $25. Blood draw? $25.
So just fucking bite me if you think I'm out of line for complaining about the costs. "Employees" are making due with stagnant wages while costs for everything keep going up. Believe me, we're well aware of health costs because we pay more than our fair share. We're drawing down our savings and still in the red every month because of all these costs. We both work full-time (well, my wife did and will once she's better) and yet we're quite literally going bankrupt just trying to keep her from dying. Not all of us are driving fucking Lexuses - but I'm sure your employees appreciate your sacrifice.
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I agree with you 100%. It's specifically why we DO cover our folks' entire premium - no one should want for fundamental care because of a lack of money. I find the very idea repulsive. That said, I will admit to frustration when people don't take advantage of preventative care, or when they truck their kids to the doctor for every sniffle and sneeze on our dime. I guess that's the conundrum - I believe in doing what I can to contribute to a good quality of life, but in return I expect not to be taken advantage of. Some days I get frustrated.gbasden wrote:Tell me about it. I'm feeling guilty as shit that my employer covers my entire health care at no cost to me. No copays. No deductable. No premiums.
I really wish we were serious as a country about fixing our health care system. The rank inequality in the ability to access basic medical care is maddening.
Are you hiring?geezer wrote:I agree with you 100%. It's specifically why we DO cover our folks' entire premium - no one should want for fundamental care because of a lack of money. I find the very idea repulsive.gbasden wrote:Tell me about it. I'm feeling guilty as shit that my employer covers my entire health care at no cost to me. No copays. No deductable. No premiums.
I really wish we were serious as a country about fixing our health care system. The rank inequality in the ability to access basic medical care is maddening.
NoJeff V wrote:Are you hiring?geezer wrote:I agree with you 100%. It's specifically why we DO cover our folks' entire premium - no one should want for fundamental care because of a lack of money. I find the very idea repulsive.gbasden wrote:Tell me about it. I'm feeling guilty as shit that my employer covers my entire health care at no cost to me. No copays. No deductable. No premiums.
I really wish we were serious as a country about fixing our health care system. The rank inequality in the ability to access basic medical care is maddening.
Hmmm...I wonder how many of your employees would give up free health care in return for keeping their jobs?geezer wrote:NoJeff V wrote:Are you hiring?geezer wrote:I agree with you 100%. It's specifically why we DO cover our folks' entire premium - no one should want for fundamental care because of a lack of money. I find the very idea repulsive.gbasden wrote:Tell me about it. I'm feeling guilty as shit that my employer covers my entire health care at no cost to me. No copays. No deductable. No premiums.
I really wish we were serious as a country about fixing our health care system. The rank inequality in the ability to access basic medical care is maddening.In fact, I have to go to CA next week to try and figure out a way not to institute layoffs
I'm right there with you.MHS wrote:This thread is depressing the shit out of me.
Preventive care incentives have, in many cases, been shown to greatly reduce overall costs. Such incentives include things like paying for smoking cessation, cash/gifts for weight loss and quitting smoking, rewards for increased prescription and diabetic patient compliance, covered (free) preventive visits, etc.geezer wrote:That said, I will admit to frustration when people don't take advantage of preventative care, or when they truck their kids to the doctor for every sniffle and sneeze on our dime. I guess that's the conundrum - I believe in doing what I can to contribute to a good quality of life, but in return I expect not to be taken advantage of. Some days I get frustrated.
Things may have changed since pre-meltdown 2007, but:MHS wrote:This thread is depressing the shit out of me.
Paper.Medical problems caused 62% of all personal bankruptcies filed in the U.S. in 2007, according to a study by Harvard researchers. And in a finding that surprised even the researchers, 78% of those filers had medical insurance at the start of their illness, including 60.3% who had private coverage, not Medicare or Medicaid.