Log In Sign Up

Health insurance


Forum: Financial Planning and Budgeting

Notices

Welcome to the JustMommies Message Boards.

We pride ourselves on having the friendliest and most welcoming forums for moms and moms to be! Please take a moment and register for free so you can be a part of our growing community of mothers. If you have any problems registering please drop an email to boards@justmommies.com.

Our community is moderated by our moderation team so you won't see spam or offensive messages posted on our forums. Each of our message boards is hosted by JustMommies hosts, whose names are listed at the top each board. We hope you find our message boards friendly, helpful, and fun to be on!

Reply Post New Topic
  Subscribe To Financial Planning and Budgeting LinkBack Topic Tools Search this Topic Display Modes
  #1  
August 8th, 2011, 07:20 AM
JessP's Avatar Lovin life and family
Join Date: May 2009
Location: Washington
Posts: 22,034
Send a message via MSN to JessP Send a message via Yahoo to JessP
Do you pay for health insurance?
If you want to share how much do you pay a month or a year?
Do you have co pays?
How do you work those into the budget?
Do you avoid the dr or ER because of co pays or cost to you if you go?
__________________

Thanks .:Shortcake:. for my great siggie
http://skinny-jessi.blogspot.com/


Reply With Quote
  #2  
August 8th, 2011, 10:04 AM
Happy Song's Avatar Nicole
Join Date: Jan 2010
Posts: 10,794
Do you pay for health insurance? No I have medicaid

If you want to share how much do you pay a month or a year? 0

Do you have co pays? no

How do you work those into the budget? Not an issue

Do you avoid the dr or ER because of co pays or cost to you if you go? Actually I only use the services as needed for the minimum requirments of CPS. I take them in when they are sick and I think what they have needs that a doctor is neccessary ie Antibiotics, medical care.

My last trip to the ER was unnesccessary. My Dh had the flu and my 4 month old got sick. When I called the nurse instead of being told to strip him and give him tylenol and recheck after X amount of time. Any way I took him in because he was so little. They tested him for everything and surprise surprise he had the flu and I was told to give him tylenol and follow up with my doctor if his fever went up again.
__________________
Nicole mommy to...



Reply With Quote
  #3  
August 8th, 2011, 12:28 PM
Platinum Supermommy
Join Date: Aug 2005
Location: USA
Posts: 7,429
Do you pay for health insurance? Absolutely!

If you want to share how much do you pay a month or a year? $170 per month for dental, medical, and prescription coverage for all 3 of us.

Do you have co pays? Yes. $15 for the regular doctor, $10 for OB/GYN, $30 for a specialist, $50 for outpatient hospital, $150 for inpatient hostpial, $40 for urgent care, and $125 for ER (this fee is waived if you are admitted). Then $10 or $20 for RX coverage depending on if it is generic or brand name. But no deductibles or anything of that sort. And no charge for imaging or labs.

How do you work those into the budget? Well most of my doctor visits are scheduled and follow ups so I know ahead of time, but $15 usually isn't a huge issue to work into the budget. We don't live paycheck to paycheck so it isn't a problem to work in a copay or RX copay.

Do you avoid the dr or ER because of co pays or cost to you if you go? I have actually never gone to the ER, either the regular doctor or urgent care has always been sufficient. I do not avoid going if I need to go, my copays are reasonable and so it isn't an issue.
Reply With Quote
  #4  
August 8th, 2011, 04:56 PM
Platinum Supermommy
Join Date: Oct 2006
Posts: 32,940
Do you pay for health insurance? Yep! We take care of ourselves!

If you want to share how much do you pay a month or a year? $223/month for our family of 5

Do you have co pays? $15 for most dr visits, $10 most scripts and $75 for ER

How do you work those into the budget? Insurance comes out of the check before we ever see it, we also put some money in flex spend. After we use that up, just pay for the co-pays ourselves, not a big deal for us

Do you avoid the dr or ER because of co pays or cost to you if you go? We've had 2 ER visits for our son just in the last few months, a broken wrist and then a Lego up the nose
__________________
Reply With Quote
  #5  
August 9th, 2011, 11:33 AM
Platinum Supermommy
Join Date: Mar 2011
Posts: 8,598
Do you pay for health insurance? Yes

If you want to share how much do you pay a month or a year? I don't know since it comes out of DH's paycheck. It isn't much, I believe it's below $100 a month for family coverage

Do you have co pays? Yes - $25 for drs

How do you work those into the budget? They're part of the money I set aside for healthcare bills.

Do you avoid the dr or ER because of co pays or cost to you if you go? no. we actually don't have a copay for ERs. I prefer preventative healthcare to reactionary medicine.
Reply With Quote
  #6  
August 9th, 2011, 01:30 PM
Mega Super Mommy
Join Date: Nov 2010
Posts: 3,972
Do you pay for health insurance? I have myself covered through my work, and bf/baby are covered via his work.
If you want to share how much do you pay a month or a year? Not sure what bf is going to be paying for him and baby, but I pay about $70 a paycheck for myself.
Do you have co pays? Mine are $20 and bf/baby's will be $25 but i also pay 10% of my bills and bf's plan covers all the bill after the copay.
How do you work those into the budget? I have a certain amount of money that isnt alloted to bills that the copays/bills come out of.
Do you avoid the dr or ER because of co pays or cost to you if you go? no... if something came up, I would not think twice about going/taking one of us to the ER.
__________________


http://hkystar.blogspot.com


Reply With Quote
  #7  
August 12th, 2011, 06:24 AM
Platinum Supermommy
Join Date: May 2009
Posts: 7,878
Do you pay for health insurance? Yes
If you want to share how much do you pay a month or a year?About $120 a check for a family including dental and eye
Do you have co pays? Yes, $25/$50 and usually $5 for prescriptions
How do you work those into the budget? I have a flexible spend account that it comes out of or I get reimbursed from
Do you avoid the dr or ER because of co pays or cost to you if you go? No, I have really good insurance so I don't mind paying the copays
__________________
~Daniell, Dashaun's mom~



Reply With Quote
Reply

Topic Tools Search this Topic
Search this Topic:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off



All times are GMT -7. The time now is 02:14 AM.



Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0