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[heybeerman]

I am in the final stages with a few potential jobs and have been shocked as I looked at the benefits pages on these school's websites, especially about premiums for health insurance.  At my current VAP position (small state uni) I pay $140/mo for family (spouse and child included) coverage, including dental.  The jobs I am considering now run anywhere from $350-500/mo for a similar plan!!  I can practically get private policies for that price, and have more choice over my insurance!

I know it's impossible to do an apples-to-apples comparison due to network, PPO, deductibles, etc., but anyone else care to share how much they have to shell out for health coverage?  Are these rates high or have i just been especially blessed in the world of insurance premiums until now?

[always_seeking]

Heybeerman,

In my neck of the woods... I would consider you extremely blessed in the world of insurance premiums.

[deleteplease]

Full medical, dental, and prescription drug, with small co-pay on dental only. No deductibles.
$0. (Obviously, not in the US).

[atalanta]

I'm in Canada and I pay nothing at all. I have full coverage for the whole family for: medical, regular dental visits, eye exams, and prescriptions. Major dental treatment (like crowns) is only covered 50%, but since my husband has the same insurance, we cover each other and it adds up to 100%.

We also have limited coverage for glasses/contact lenses, massage, and chiropractic/alternative medicine. Although the coverage has a cap, there's also an employer-paid medical savings account that covers most cost-overruns. So I haven't had to pay anything, even for my disposable contacts.

I did have to pay about $200 for glasses last year (bifocals), though.

(Did I mention that I'm in Canada? ... and that we have a strong union?)

[iomhaigh]

I think I pay about a hundred a month for medical & dental, with cheap co-pays ($10.00).  I'm single.

[aandsdean]

Around $450 for wife and me, no kids.

The family plan is actually cheaper than the employee+1 plan.  Who knows why?

[anywho]

$300. per month out of my net income (after taxes) for state-sponsored individual insurance. The plan is bare-bones and does not include dental.

[anywho]

$300. per month out of my net income (after taxes) for state-sponsored individual insurance. The plan is bare-bones and does not include dental.

or vision.

[crazybatlady]

Bocky and I pay $375/month combined for medical, dental, and vision coverage for us and the kids. We have a $20 deductible (even for emergency room visits, which on our old plan cost $100) and referrals to specialists have no deductible and are fully covered.

Ask me how I know.

cbl

[nocalprof]

Our state just started a new "high deductible" plan that's $70/month for a family, with a $3k deductible on everything (including drugs).  At least it allows $750 coverage for "wellness" visits (routine checkups, etc.).

The deductible is high, but hopefully we'll be healthy for now.  The nice thing is there's no worry about referrals, etc.

It seemed a better option than the HMO, which is still ~$250/month.  (The PPO's even more)

[crazybatlady]

Bocky and I pay $375/month combined for medical, dental, and vision coverage for us and the kids. We have a $20 deductible (even for emergency room visits, which on our old plan cost $100) and referrals to specialists have no deductible and are fully covered.

Ask me how I know.

cbl

I meant copays, not deductibles. We have $20 copays except with referred specialists, who I guess are covered under the copay paid to the primary care physician.

cbl

[pink_]

Mine is about $100/mo including dental and vision, but it's just me.
My SLAC offers the more expensive plan and the less expensive--I went with the more expensive (tghe cheaper plan is about $75/mo for the same, but higher deductible and less benefit in case of major expensive problems)

[undisciplined]

$600 per month for the family, and it's going up in April. Includes no dental or vision. A prime reason I continue to job hunt.

[dr_crankypants]

Wow....I suddenly feel really grateful.  I pay something like 60-65 a month for medical AND dental, and it was something similar in my previous job too.  Both were pretty decent insurance.  I had no idea it was so bad elsewhere. 

[galactic_hedgehog]

About $600 for the family plan.  $10 co-pays, $400/$1000 max out-of-pocket (in network), $2000/$5000 (out of network), 20% co-insurance.  State plan, no vision, no dental.  Less than half what we had to pay when we were shelling out for ourselves when I was adjuncting.