Stupid insurance

[hummie]

Our health insurance premiums just went up so drastically that I don't know where the budget will come from and it's taken away any hope of buying myself anything for Christmas.

I really do not like Christmas and wish it were January 3 already.

[MommaTrish]

Ugh... I hate insurance.

We found out last week that starting this week our's is going up from $105/week to $126/week. When John started at the shop he works at 3 years ago it was $80/week. We now pay in more a month for insurance than we do our mortgage.

[jessica31876]

when my husband was working the insurance at his job for our family was over 200 a week. And the really bad thing is the company preached to the workers telling them to avoid using their insurance as much as they could!!

[hummie]

I'm on hubby's insurance, but they have changed it and now say they will no longer cover me because I have insurance available to me at my employer.

However, for 2011, they will cover me for an extra $100 a month surcharge (plus the whole premium is going up). I HAVE to accept it and pay that until my work's open enrollment period!

I can't believe how much we have to pay now!

It's TOTALLY crazy and stupid and so wrong.

[ColleenSwerb]

I. Hate. Health. Insurance. Especially here in the US. And I have a good plan! That's cheap! It's absolutely ridiculous.

[lovely1m]

Hmm, makes me think maybe I should not whine about the coverage I have from work when I see how much you all have to pay. Wow. I really wish we could get health care in this country fixed.

[crecia27]

Ours went up ton as well, and for less coverage.

[Amy Carey]

ours was over $800/month for family coverage through my husband's job. When I lost my job I had to drop it. My new job paid half of what my old one did and to be able to stay in our house we had to make cuts somewhere. It's been over a year and we haven't missed it! I've paid as we went for the things that came up healthwise and it ended up being cheaper. I just can't justify paying that much!

[kim21673]

Our insurance actually is going down a little bit and we were shocked. DH kept going over and over to make sure he didn't miss anything...along with others at his work.

What he did miss however was our portion for hospital stay last year. Ugh!!! When we had the other boys we only paid $250 for me and another $250 for baby (which is really good considering we had TWO NICU babies with bills well over 40K)...well, like I said, DH missed that part of the change last year and we got the bill....$2250!!!!! That's the max we have to pay but still......WOW that is a major increase!!!!! I just about crapped my pants.

[litabells]

Originally Posted by kim21673

Our insurance actually is going down a little bit and we were shocked. DH kept going over and over to make sure he didn't miss anything...along with others at his work.

What he did miss however was our portion for hospital stay last year. Ugh!!! When we had the other boys we only paid $250 for me and another $250 for baby (which is really good considering we had TWO NICU babies with bills well over 40K)...well, like I said, DH missed that part of the change last year and we got the bill....$2250!!!!! That's the max we have to pay but still......WOW that is a major increase!!!!! I just about crapped my pants.

Am I reading this right - you have to PAY to stay in the hospital to have your baby?

[lovely1m]

Originally Posted by litabells

Am I reading this right - you have to PAY to stay in the hospital to have your baby?

Oh, yes! We pay for anything in the hospital or clinic. My son broke his leg this summer, my cost AFTER all insurance is close to $1000, though I am currently fighting with them on this.

[kim21673]

Originally Posted by litabells

Am I reading this right - you have to PAY to stay in the hospital to have your baby?

Yes...but I do have to add that I am very happy with our insurance. There is very little we do have to pay for our premium and they cover almost everything 100%.

[crecia27]

Originally Posted by litabells

Am I reading this right - you have to PAY to stay in the hospital to have your baby?

Yes, but for me personally I have felt like the level of care and ability to choose the doctor & hospital I trust were worth the cost. I had my first baby in a military hospital, had never seen the doctor before they were checking me, I'm still not sure who actually performed the c-section. The cost there was very minimal but the experience was less than stellar. Of course you could pay and still get a bad experience.

We've also had the unexpected emergency. My daughter had to be hospitalized for MRSA 2 years ago. We had to pay $700 out of pocket but I can't imagine what the surgery and after care would have cost out right.

[FireWolf]

I hate health insurance, but I have to admit that our plans here are so much better and cheaper than in the US. We pay yearly because it's slightly cheaper, and it's only 2400 euros for the both of us. The bad thing is that we don't even use it. Neither of us every go to the doctor, but unfortunately it is now mandatory to have health insurance.

[HeatherKS]

Ours are going up for next year too. Even though dh's is paid 100% by his company, it is almost $900 to insure the rest of us. We're looking into some alternatives since we're done having children and don't require the maternity coverage anymore. We're considering a cheaper policy with higher deductibles and putting a medical savings account into place to offset any medical expenses we might incur. As the money man that's dh's department though so I'm not sure of the specifics.

[kresta]

My husband owns his own company and does not have health insurance through that company. We have individual policy health insurance, which is very expensive.

Almost a year ago, we changed so that our premiums went down. But now we have a huge deductible.

We just had to change our thinking on it and really view it as "insurance" -- money that is there should we really need it. We pay for most doctor appointments, meds, etc. with cash. Most is applied to our deductible, but our deductible is high enough that we probably won't ever reach it w/in one calendar year.