How much do you pay for health insurance?

I have Cigna. New for me, but from what I see, one of the best. No monthly payments. I am thinking of getting supplemental health insurance.

My premium through Florida blue is $1.43. $1 and $2 prescriptions.

I'm really not sure. We only use the health insurance benefits through my husband's workplace, though I do also get Medicare because I collect SSDI, though I don't elect for anything more from that (Medicare) other than the general hospitalization benefit that is at no charge. My guess is that my husband has around $300 to $400 taken out of his pay each month towards it, covering both of us (we have no kids). We do have annual deductibles. Again, I'm not 100% sure how much, but I think more for out of network than in-network. It's not THAT bad.

We get a free physical and related tests once per year, then any other GP visits would be $20 each. Specialist visits (other than mental health-related) in-network are $40 each. My in-network therapist is $30 and hubby's in-network psychiatrist visits are $30. We do get out-of-network benefits after reaching the deductibles. I'm embarrassed to say that I don't know exactly what they are. I think maybe our insurance covers around 60% of the out-of-network charges. That does add up. My psychiatrist is out of network.

Again, I'm not sure what the co-pay % is for inpatient and PHP/IOP care. It's a high percentage, but the fact is that those charges are so extremely high for long stays that it adds up to a lot. Luckily, I haven't been inpatient or in an IOP/PHP for years. Hubby was inpatient for something else a couple years ago. I believe an ER visit is at least $75, plus more depending on tests. Most of my regular blood work is fully covered, unless it's done more times than "included". Tests like MRIs, EEGs, PET scans, CT scans have co-pays. I don't know what they are. Luckily I haven't had one for a while.

My medication co-pays vary. Luckily I take all generics and get 90-day supplies through mail order for some, so my monthly medication co-pay totals are very low (some meds less than $2). There was a time when many of my medications were only available as brand. That got extremely expensive, even using some coupon offers through the pharma company websites. Hundreds of dollars per month in co-pays. I LOVE generics!!!!!

My husband doesn't elect for dental or vision coverage for us. He could, but he thinks they are not worth it. Generally that is very true, but a little over a week ago I got two root canals. They cost almost $3,000 total, plus. Glasses can be cheap if bought online, but you do need an eye exam occasionally. My husband has some serious eye issues, but those are covered as part of the health insurance.

I have SSDI, so $135/month Medicare premium. Secondary is TRICARE because I'm retired military. Just switched dental plans, so about $40/month for that. No copays or deductibles for medical care; there's some copays for dental but can't remember them off the top of my head.

I know I posted earlier but my insurance has changed yet again. I went with the one my work providers; it's a popular insurance and my primary and cardio both take it. I pay $59 a month for health insurance; my employer pays the rest. I have a $500 deductible if I stay within the network of my company; I have a $2,500 deductible out of the company.

My copay if my primary doc wasn't in company group would be $40, since he is now in group I am only responsible for $20. My Cardiologist is in group and he is a $30 copay every time I see him; which looks like every two weeks until we find a med that works. Mental Health is $20 across the board; so if I decide to try again it will be $20 to see a Mental Health provider.

Prescription coverage is $10 for all generic; $5 if I use one of the preferred pharmacy on the list. So it would either be $50 for all my medications a month or $25 if it is one of the preferred pharmacies.

I also pay for dental and vision it is $43 a month with dental and vision lumped together; I have contacts and find vision to be helpful and I still have wisdom teeth that need to come out.

I personally haven't used my insurance yet to know what it is like but come January 1st I will no longer be on Medicaid and I won't even have it for a secondary.

I also have a Flexible Spending Account set up which I can use for copays, meds, chiropractor, dentist, all sorts of things.

I'm on SSDI so I have medicare. I don't pay a premium due to the fact that I am low income. I am also on state run Medicaid for dental and vision coverage. I do pay for my RX coverage $43.60 a month. I pay $1.25 for generics and $3.70 for brand name. Not a bad deal. If it wasn't for the RX insurance I would be in trouble. Some of my meds are the brand name ones. They would be over $1,000 a month. Ridiculous. No way I could afford that. You really can't be without insurance these days. You can go bankrupt with medical bills alone anymore. I think it's really out of control these days. But what can we do? It's a necessary evil.