how much for family insurance plan? and what company did you go with?

Discussion in 'Business Operations' started by georgialawn88, May 28, 2013.

  1. georgialawn88

    georgialawn88 LawnSite Bronze Member
    Messages: 1,075

    I know its different for each state but a ball park figure you pay for insurance for you and your family? and have you figured out how much itll be when this obama crap goes into effect? i have 850 figured in am i close or way off? thanks
  2. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Messages: 3,465

  3. georgialawn88

    georgialawn88 LawnSite Bronze Member
    Messages: 1,075

    this makes it very hard to succeed:confused:
  4. grandview (2006)

    grandview (2006) LawnSite Gold Member
    Messages: 3,465

    Check with your state and see what they offer for us poor people.
  5. georgialawn88

    georgialawn88 LawnSite Bronze Member
    Messages: 1,075

    haha ok all ney york always more expensive on everything! come to GA!
  6. windflower

    windflower LawnSite Bronze Member
    Messages: 1,109

    10k hsa eligible plan for 2 adults & 2 kids. will go up 65% next year.
  7. Bobcatter2

    Bobcatter2 LawnSite Member
    from Florida
    Messages: 21

    Medical insurance is so complicated. You have to look at your total needs. I can only speak from my experience, my wife and I are $1200 month:
    Plan A: copay for a dr. visit was $10, Prescriptions were $10 for generic or $20 for name brand. Then we found out their were other levels or drugs that cost $50 or even $70 for one month, no one told us about "special prescriptions". If the surgery was "in the plan" then it was covered, no matter what they billed. Blood work was covered. (I remember a young guy at the blood testing offering to pay cash, he basically got laughed out of the office. His blood work would have been $250 when the receptionist quit counting - odd thing was my blood work was the same and my insurance payed them $55 and they were happy, go figure)
    Plan B: copay for a dr visit was $20. Prescriptions were $20 and $30. No special prescriptions so far..... Also "maintenance drugs" were 90 day supply for like $10. Crazy system. Hospital costs were "major medical" 80% covered by insurance, 20% covered by me. Found out that I ended up paying money every time, even more money than Plan A payed (and they were happy with that, why am I paying??)
    Plan C, the one we are on. is basically the best of both of the above.
    Needless to say, I am looking forward to better health plans at a lower cost.
    Doctor visits, hospital visits, prescriptions are all in there, you have to read the fine print. Oh yeah, physical therapy, didn't think about that.
    Now, next topic, dental insurance, lol!
  8. Rcgm

    Rcgm LawnSite Senior Member
    from Indiana
    Messages: 326

    785 a month includes the wife and I. My is about equal to Bobcatters plan c. We have dental insurance thru Aflac. My wife kept it from her old W2 job before she left to work for herself. I think it is 105 a month. Have had Aflac dental for 10+ years now.
  9. DSLS

    DSLS LawnSite Member
    Messages: 59

    I have blue cross blue shield through farm bureau in tn with a 1000.00 deductible and 15 copayment it covers my wife 2 kids and me for 480.00 per month does not cover dental though.
    Posted via Mobile Device

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