Health insurance

Mine's a subsidy through Covered California. It's about 5 bucks a month. Covers some things but I usually have to pay about 60% of any procedures or ER visits. Most of the local clinics around here don't really take my insurance so I pay for some clinic appointments out of pocket. This year, I've probably been to at least one doctor every other month for various things. This is actually the first time I've had insurance in years so a lot of it's just checking up on things I've been meaning to have done for ages.

No dental though. And once I get a better job, I'm probably gonna lose this insurance.

Any chance you can go through the marketplace and find something through a better company?

 

Right now I pay "full price" (read: no employment or ACA subsidy) and pay between $200-300 a month for a PPO. The coverage has a high deductible. I think it's about $1500-2000, but all doctors visits and medications are covered without the need to meet the deductible. I chose this plan because I go a lot to a dermatologist so wanted to be covered for specialists but didn't want to wait to reach the deductible. Also, I could have gone with an HMO and saved more money on my premium but I hate having to go to a primary care doctor to serve as a gatekeeper to see specialists.

But I'm just waiting to get coverage through an employer.

 

My dad does for his chrons disease and 90% of it will be covered for when he has his colon removed.

 

On MediCal from the California government (California division of Medicaid), but I'm on my way to have REAL unsubsidized health insurance!

Basically, my family's financial situation has been getting better and we have less of a need for subsidized health insurance like MediCal.

 

Totally free, and it includes dental and mental health sessions.

The catch is, it has to be approved -- and it usually always is. But I pay nothing if it is approved. Those very rare times it isn't approved, it comes out of my pocket, though due to my situation, it is a reduced amount*.

Before the Affordable Care Act, I'd have to pay about $10 a month. This included dental and mental health sessions; but only 6 dentist visits/procedures/appointments and only 3 therapy sessions per year. After that, it was up to me to pay, though it was still reduced.

*

Spoiler

Technically, I fall into the welfare bracket. My job at the library is salary-based, and since I don't work 40 hours (despite being paid as if I did; thank you, city budgets), I'm considered part-time, since what is wanted in my case is hours worked, not what I make. My job of writing once a week for a minor piece in the local paper, too, falls into a loophole. It's an agreement and not considered an occupation, therefore, as far as the State of Kentucky is concerned, I don't work there.

Some would call me an example of what is wrong with America's welfare system, but to them I say: I simply did what I was told to do, by the state. Legally, I'm in the clear.

 

Mines in the process of being taken away... they have me on this thing where I have to be re approved every 3 months and I can only have it for a few more years then I won't be eligible anymore and I won't have any because I can't afford anything else. The details honestly confuse me but my old health insurance became invalid once I hit a certain age so they gave me this, which is only valid for so long and I'm not guaranteed to be able to have it. For reasons I honestly don't understand or comprehend I'm not eligible for what was posted above. I've been looking for work for years, was denied government aid. Sadly even though I can't afford this healthcare it's the only thing letting me get the medications I need at the same time. :<

 

My partner and I are covered through my employer. I believe it costs about 90 dollars a paycheck (twice a month) to cover the both of us. We have a yearly deductible of 50 dollars. Anything preventative--and a surprisingly large array of things are considered preventative--is free. Most prescriptions seem to be free; the ones that aren't are two or three dollars. Other things are covered 80% until you reach your maximum out of pocket which is a thousand dollars for each of us. If you hit the maximum out of pocket for the rest of the year everything is covered 100%.

The company has little health related things you can do (like a yearly checkup with your doctor or keeping track of your exercise) for which they will put money into a medical reimbursement account. I want to say we got about 700 dollars in that account this year, and when you use the funds from that account it counts toward the out-of-pocket maximum.

The other thing that they do, which I think is especially cool, has to do with how benefits are taxed in the US. The company portion of health coverage for the employee or a member of their family is not taxable as compensation. However, if the company insures someone unrelated to the employee the company portion of that insurance is taxable as compensation. Since my partner and I are (for the moment) legally unrelated the considerable amount that my firm spends on my partner's insurance is imputed to me as income for the sake of taxation. My firm pays the extra taxes for me, because they think it's unfair that I be taxed on it. Seriously, they figure out how much more tax I would have to pay than my married colleagues and they pay me that extra--then they figure out how much extra tax I will pay on the extra and they pay me that. It's a remarkably progressive policy.

 

That's amazing!

 

Ours is through Blue Cross Blue Shield. It's weird how at the start of the year, everything and everything is covered 100%. All my medications, all my visits were completely free until around March, at which point everything is out-of-pocket until our deductible is met. Then after that, they cover everything 80%, and we pay a 20% copay. It's decent insurance, though while I was away at college it was a pain in the ass for a few of my medications.

 

I have an HSA with a high deductable plan, through my employer. My deductable is something like $2200. Looks like I am going to hit the deducatable this year, as I have been going to physical thepary for some knee and back issues.

 

I actually have 2 different insurance companies I go through. One is paid for by my dad but it doesn't cover everything.but I don't have any copy's which is great!
I also have insurance through my work and I pay about $90 every month for it but that's for medical dental and optical so I'm covered for a lot under that one...usually I would have a copy for the second insurance but usually I use the two together which really helps especially because I get sick easy

 

I have Medicaid, and I do have some very small co-pays.

 

We are so lucky in the UK for having a fab NHS but we are slowly loosing that. At the moment I don't need insurance

 

I get free basic medical insurance from the state. So long as I remain a university student, that isn't likely to change. I hear rumors that my state covers transgender therapy and hormones. Need to look into that.

 

I pay for a plan with one of the majors. The monthly cost is high. So is the out of pocket. However, I have co-pays for seeing the doctor and the psychologist. I have very small co-pays for generic meds. I don't see the doctor that much. I see the psychologist more.

Because of the ACA, I am able to purchase. Had it not been here, I would have been uninsurable. I know this because I was turned down once before about 9 years ago. For the life of me, I can't understand why politicians like Ted Cruz are so against some kind of a system like the one in place. I know it's not perfect. I don't understand why Republican and anti-health care reform have to go hand in hand. It's unconscionable. So many people would be hurt otherwise, either because of preexisting conditions, a less than stellar medical record, or not working for a large enough employer.