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Gilda · 06-28-2005, 03:13 PM

I have a family plan through work that covers me, spouse or domestic partner, and children. It's a flat rate regardless of whether you're single, married, or have, as one of the teachers does, 10 kids. The school district pays the entire cost, about $700 a month for health with a $150 deductible, dental and vision for the employee only.

Grace also has full coverage through work, also of herself and a spouse/domestic partner, which her employer pays roughly $900 a month with a $250 deductible. Dental and vision are available for spouses/domestic partners for a buy in.

This means that either of us has insurance that would cover us both. Since my insurance provides better coverage than hers, and we don't wish to pay two deductibles, we file all claims on my insurance. This means that the $900 her employer pays is pure profit for that insurance company, as we won't be making any claims.

So, a total of $1600 a month paid for health insurance, by the employer. Car payments, on two cars, total about $1000. The mortgage is tricky, but without going into detail, sets us back about $1200 a month.

In addition, my sister (a full time college student) isn't covered on either of our insurance, and every insurance plan we've checked specifically excludes her treatments, so it's all cash for her, between $100 and $200 a month, not counting extraordinary expenses like her recent surgery.

So, if you add up what my employer pays, what her employer pays, and what we pay out of pocket for my sister's expenses, it's a tad bit less than housing and cars put together, and a lot more than food, clothing, and entertainment. It's easily the biggest expense if figured that way.

If you only count up out of pocket, and leave out Sissy's surgery, it's actually negligible, less than one car payment.

06-28-2005, 03:13 PM	#2 (permalink)
Gilda 32 flavors and then some Location: Out on a wire.	I have a family plan through work that covers me, spouse or domestic partner, and children. It's a flat rate regardless of whether you're single, married, or have, as one of the teachers does, 10 kids. The school district pays the entire cost, about $700 a month for health with a $150 deductible, dental and vision for the employee only. Grace also has full coverage through work, also of herself and a spouse/domestic partner, which her employer pays roughly $900 a month with a $250 deductible. Dental and vision are available for spouses/domestic partners for a buy in. This means that either of us has insurance that would cover us both. Since my insurance provides better coverage than hers, and we don't wish to pay two deductibles, we file all claims on my insurance. This means that the $900 her employer pays is pure profit for that insurance company, as we won't be making any claims. So, a total of $1600 a month paid for health insurance, by the employer. Car payments, on two cars, total about $1000. The mortgage is tricky, but without going into detail, sets us back about $1200 a month. In addition, my sister (a full time college student) isn't covered on either of our insurance, and every insurance plan we've checked specifically excludes her treatments, so it's all cash for her, between $100 and $200 a month, not counting extraordinary expenses like her recent surgery. So, if you add up what my employer pays, what her employer pays, and what we pay out of pocket for my sister's expenses, it's a tad bit less than housing and cars put together, and a lot more than food, clothing, and entertainment. It's easily the biggest expense if figured that way. If you only count up out of pocket, and leave out Sissy's surgery, it's actually negligible, less than one car payment. __________________ I'm against ending blackness. I believe that everyone has a right to be black, it's a choice, and I support that. ~Steven Colbert