Make these ads go away.
+ Reply to Thread
Page 1 of 2 1 2 LastLast
Results 1 to 10 of 17

Thread: What do you pay for your Health Insurance?

  1. #1
    Senior Member Lon's Avatar
    Join Date
    Nov 2004
    Location
    CALIFORNIA
    Posts
    9,507
    Local Date
    12-12-2019
    Local Time
    09:35 PM

    What do you pay for your Health Insurance?

    I know you Brits have FREE? Health Coverage, so this is really a question for my Yank friends.

    I am not complaining about my own costs and am quite happy with the costs and benefits. First, my wife and I are on the Government Medicare and pay $208 monthly for both of us. In addition, we pay $558 monthly for Supplemental Medical Coverage and $58 monthly for Dental. We have the Supplemental because Medicare will not pay for everything. This makes a total monthly cost for both my wife and I of $824 monthly or $9,998 yearly. In addition to these costs we have some co-pays and deductibles, and there is a co-pay for Prescription Drugs. We also have Long Term Care which I purchased 24 years ago and pay only $28 monthly for both of us because the major portion is subsidized by a former employer.
    In view of the new Medical Schemes in the U.S., I thought this might be an interesting discussion. My total Medical cost for 2012 including co-pays, deductibles, premiums was in excess of $16,000.

  2. #2
    Premium Member
    Join Date
    Nov 2009
    Location
    Northeast
    Posts
    9,966
    Local Date
    12-12-2019
    Local Time
    03:35 AM

    Re: What do you pay for your Health Insurance?

    That's probably a lot for most people. In 2012 my partner and I had out of pocket medical expenses of around $3,000.00.
    “Those who can make you believe absurdities can make you commit atrocities,”
    Voltaire

    I have only one thing to do and that's
    Be the wave that I am and then
    Sink back into the ocean

    Fiona Apple

  3. #3
    Senior Member Lon's Avatar
    Join Date
    Nov 2004
    Location
    CALIFORNIA
    Posts
    9,507
    Local Date
    12-12-2019
    Local Time
    09:35 PM

    Re: What do you pay for your Health Insurance?

    Quote Originally Posted by Ahso! View Post
    That's probably a lot for most people. In 2012 my partner and I had out of pocket medical expenses of around $3,000.00.
    Well I am 78 and my wife 68, so we are at that age where medical needs of one kind or another crop up, and amongst my peer group, probably typical.

  4. #4
    Senior Member
    Join Date
    Aug 2004
    Location
    Scotland
    Posts
    13,492
    Local Date
    12-12-2019
    Local Time
    08:35 AM

    Re: What do you pay for your Health Insurance?

    Blooming heck that's more than half the basic state pension in the UK. Septuagenarians in this country will have paid National Insurance all their working lives. Any treatment they now receive will be free to them at the point of use. I've paid national insurance for almost 40 years and can count on the fingers on one hand the number of time I have used it as an adult. In my seventies it s not a cost I will need to worry about except right now I am worried about the tory bastards trying to privatise it.

  5. #5
    Senior Member Lon's Avatar
    Join Date
    Nov 2004
    Location
    CALIFORNIA
    Posts
    9,507
    Local Date
    12-12-2019
    Local Time
    09:35 PM

    Re: What do you pay for your Health Insurance?

    Quote Originally Posted by gmc View Post
    Blooming heck that's more than half the basic state pension in the UK. Septuagenarians in this country will have paid National Insurance all their working lives. Any treatment they now receive will be free to them at the point of use. I've paid national insurance for almost 40 years and can count on the fingers on one hand the number of time I have used it as an adult. In my seventies it s not a cost I will need to worry about except right now I am worried about the tory bastards trying to privatise it.
    I live in a Age Restricted Active Adult Retirement Community with 3,100 individual homes of varying size, two golf courses, tennis courts, swimming pools, fitness center.The average age of the community is now 71. If you went door to door and inquired, you would find every possible medical condition and procedure written up in medical texts. What I pay for health insurance would not be unique in this community, some pay more, some less.

    Sun City Roseville - Contact

  6. #6
    Senior Member
    Join Date
    Aug 2004
    Location
    Scotland
    Posts
    13,492
    Local Date
    12-12-2019
    Local Time
    08:35 AM

    Re: What do you pay for your Health Insurance?

    Quote Originally Posted by Lon View Post
    I live in a Age Restricted Active Adult Retirement Community with 3,100 individual homes of varying size, two golf courses, tennis courts, swimming pools, fitness center.The average age of the community is now 71. If you went door to door and inquired, you would find every possible medical condition and procedure written up in medical texts. What I pay for health insurance would not be unique in this community, some pay more, some less.

    Sun City Roseville - Contact
    I suppose our equivalent would be sheltered housing, they are usually state funded but you also get private retirement homes/communities. We also have both state funded and private nursing homes for the elderly - or granny farms as they are known. You can pay for private medical care if you want but most people use the NHS.

  7. #7
    Premium Member Snowfire's Avatar
    Join Date
    Mar 2009
    Location
    Darn Sarf. Hingland
    Posts
    4,811
    Local Date
    12-12-2019
    Local Time
    09:35 AM

    Re: What do you pay for your Health Insurance?

    Doesnt sound to me like Lon is describing any type of sheltered housing I've ever heard of. If I'd paid in what Lon had over the years,I'd want what Lons describing. Our NHS doesnt allow our provide, understandably, for that kind of well presented luxury. I suspect its quite rare to opt to pay for private health in the UK, to the receive what Lon has
    "He has all the virtues I dislike and none of the vices I admire."
    Winston Churchill

  8. #8
    Proudly humble LarsMac's Avatar
    Join Date
    Nov 2009
    Location
    usually on the road to somewhere.
    Posts
    10,824
    Local Date
    12-12-2019
    Local Time
    01:35 AM

    Re: What do you pay for your Health Insurance?

    I pay around 400/month for our insurance through work.
    It is very good coverage.
    When I had the DVT and Pulmonary Thrombosis, the total out of pocket for me was around 500.

    when I fell off the horse and was unconscious for three days, my total out of pocket was around 750.
    I think the extra 250 was for the mountain rescue crew to come retrieve me.
    "The trouble with people isn't that they don't know, but that they know so much that ain't so." - Will Rogers
    "Truth isn't Truth" - Rudy Giuliani

  9. #9
    Senior Member
    Join Date
    Aug 2004
    Location
    Scotland
    Posts
    13,492
    Local Date
    12-12-2019
    Local Time
    08:35 AM

    Re: What do you pay for your Health Insurance?

    Quote Originally Posted by LarsMac View Post
    I pay around 400/month for our insurance through work.
    It is very good coverage.
    When I had the DVT and Pulmonary Thrombosis, the total out of pocket for me was around 500.

    when I fell off the horse and was unconscious for three days, my total out of pocket was around 750.
    I think the extra 250 was for the mountain rescue crew to come retrieve me.
    What happens if you can't afford insurance?

    Our mountain rescue service is made up entirely of volunteers, the helicopters used up till now have been RAF or navy ones they've recently privatised them. You couldn't actually pay anyone enough to do what these guys do. Happily never needed to use them.

    Mountain Rescue Committee of Scotland

    The english ones are volunteers as well.

    Your medical costs seem incredibly high.

  10. #10
    Proudly humble LarsMac's Avatar
    Join Date
    Nov 2009
    Location
    usually on the road to somewhere.
    Posts
    10,824
    Local Date
    12-12-2019
    Local Time
    01:35 AM

    Re: What do you pay for your Health Insurance?

    Register to remove this ad.
    Quote Originally Posted by gmc View Post
    What happens if you can't afford insurance?

    Our mountain rescue service is made up entirely of volunteers, the helicopters used up till now have been RAF or navy ones they've recently privatised them. You couldn't actually pay anyone enough to do what these guys do. Happily never needed to use them.

    Mountain Rescue Committee of Scotland

    The english ones are volunteers as well.

    Your medical costs seem incredibly high.
    Compared to what they would have been without insurance, I assure you, they are very reasonable.

    The DVT incident would have cost me a couple of years' wages, I am sure.
    "The trouble with people isn't that they don't know, but that they know so much that ain't so." - Will Rogers
    "Truth isn't Truth" - Rudy Giuliani

+ Reply to Thread
Page 1 of 2 1 2 LastLast

Similar Threads

  1. Difference between healthcare and health insurance?
    By Hoony Ready in forum Healthcare
    Replies: 2
    Last Post: 06-07-2011, 09:48 AM
  2. One Retiree's Health Insurance
    By Lon in forum General Chit Chat
    Replies: 2
    Last Post: 05-08-2009, 07:25 PM
  3. I am new to health insurance.
    By steven in forum Healthcare
    Replies: 4
    Last Post: 12-22-2007, 09:42 AM
  4. Will Bush Veto Kids' Health Insurance?
    By RedGlitter in forum Current Political Events
    Replies: 0
    Last Post: 09-26-2007, 07:57 AM
  5. mandatory health insurance
    By Okie in forum Health Care
    Replies: 7
    Last Post: 09-30-2006, 05:41 AM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts