Posted by Germ on January 09, 2009 at 06:35:13 from (205.188.117.74):
In Reply to: OT- health insurance posted by Dave from MN on January 09, 2009 at 05:49:25:
I was paying $1100 a month for a pretty good plan with $20 co-pays and $500/$1500 deductible for 5 of us. I had to switch and now pay about $530 a month with $3000/$6000 deductible, no prescription, no co-pays at the Dr. office. I now pay $62 for a Dr. appoinment and we only had 5 visits total in 08. Most prescriptions can be crossed to one of the 400 under $4 at Walmart, Walgreens, etc. or the Dr. has a good supply of free samples. This is the route my agent felt was best for now. I figure I'm saving enough to take the risk as we're in pretty good health and the kids are all 18 and under. I'm afraid if we get National Health care, this will seem cheap.
If you stay with the same company, it pays to shop rates every 2-3 years and change. Health insurance is competitive and you usually get a teaser rate for the first year, a slight premium increase the second, and big increases after that.
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