How much do you pay per month in Medical insurance premiums? (for a family)

[kaffy 2]

My employer pays 100% for me but we have to pay extra for my husband.

We pay $248/month for medical insurance (employer pays $844)

Vision & dental is an additional $43/month

$75 ER copay, $20 primary, $25 specialist, $300 deductible for surgery, etc etc

And since I work at a hospital if I am see there, insurance pays 100% (if seen elsewhere within network it's usually 70-80%)

[Soancika+Brian 0]

Hey,

I am on my husband's health care plan. We pay $175 a week for the both of us. Trying to find something cheaper.

[radacos 0]

We pay $156 for the two of us per month for catastrophic insurance. That means our deductible is $5,000, and we pay for office visits and prescriptions. We do get $300 in preventative care every year, and our plan is connected to Health Savings Account, so we can pay for medical services with tax-free dollars. This is a great plan, especially if you're young and relatively healthy.

[Ban Hammer 12,861]

i think it's like $450 a year, plus some co-pays, which totals about $1000 for the year at best.

[Wis-Can 0]

In Nova Scotia it certainly isn't free for Medical Insurance Premiums, although I really don't pay a whole lot. I think last year it was something like $312. for the year. Most doctors visits, specialists, emergency room visits, operations etc are covered by the provincial healthcare program but there are exceptions. I paid over $2 grand last year for "medical related" that wasn't covered by my provincial healthcare and my coverage through work. I know its going to be worse when I move to Wisconsin so we are looking into a plan now that looks like its going to run around $600 a month. That is going to be hard to get use to.

[jundp 191]

My company pays mine. My husband's company pays for all of us (me, him and 2 kids) including dental and vision. $200 deductible per person, $5 to $20 prescription, after deductible is met our doctor/hospital visits are paid either 80% or 90% depending on what it is (inpatient or out, for example).

[Lili 3]

We pay about 70 a month for a family of 2. This is through my employer -the state of Washington- so it tends to be considerably cheaper than private insurance.

Hi Len, we have the same employer! How do you like the idea that they are thinking about raising our health insurance?

[♥Stiggy♥ 0]

Can u at least claim your premiums on your taxes?

[tom&tata 2]

Can u at least claim your premiums on your taxes?

It's pretax for my share of premiums deducted by employer

[almaty 19]

a little over $200 a month

[almaty 19]

a little over $200 a month

[Cuchita 1]

I read somewhere that after a certain amount and depending on what you earned for the year you can claim medical expenses in your taxes. Something like $3400 in expenses if you make less than $36,500.

I pay $34 weekly for my baby and me and I have dental also included. The co-pay is $20 per visit and the deductible is $150. There are some procedures of course that my plan doesn't cover.

Can u at least claim your premiums on your taxes?

[Dr. Obvious 49]

I read somewhere that after a certain amount and depending on what you earned for the year you can claim medical expenses in your taxes. Something like $3400 in expenses if you make less than $36,500.

I heard that too, but I don't have to itemize deductions, so don't know too much about it. I found this on H&R Block:

Deductions

If you itemize your deductions rather than claiming the standard deduction, you can deduct medical expenses. However, they must add up to more than 7.5% of your AGI to be deductible. Medical expenses that can be deducted include unreimbursed expenses for:

medical insurance, including Medicare B and Medicare D premiums

prescription drugs

medical procedures

mileage to and from medical facilities

Keep in mind, your health insurance premiums can't be deducted if they're taken out of your paycheck as pre-tax dollars. You also can't deduct expenses you pay with pre-tax dollars (for example, amounts paid using your employer's FSA). If you're self-employed, you may deduct your health insurance premiums as an adjustment, but only up to the amount of income from your business.

Eligible medical procedures include surgery, certain fertility enhancement procedures, LASIK and similar procedures, and vasectomies.

The IRS has held that the cost of a full-body scan is deductible, even if you have no specific ailment and even if a doctor did not prescribe the procedure.

You can deduct the actual cost of traveling to and from a medical facility or, if you drive, you can deduct 19 cents per mile for the period in 2008 before July 1 (27 cents per mile after June 30, 2008). If you meet specific requirements, you can deduct the cost of lodging not provided in a hospital or other medical facility, up to $50 a night.

Because medical bills are deductible only to the extent that they exceed 7.5% of your AGI, timing your payments may be beneficial. If you know you're not going to reach the 7.5% limitation this year, try holding off paying any medical bills or scheduling medical exams and procedures until the following year. If you're close to or already over the threshold, see what you can do to increase the deduction. Be sure to pay any outstanding medical bills, including health insurance premiums, by Dec. 31. Consider scheduling, being billed for and paying for elective medical and dental work before the end of the year. The same goes if you need new glasses, contact lenses, dentures, a hearing aid or modifications to a car to enable a disabled person to drive.

http://www.hrblock.com/taxes/tax_tips/dedu...expenses.html#2

Edited February 11, 2009 by Wacken

[Zee Bee 61]

We pay $95/month (my company pays $884/month) for health/vision/dental; copays for office visits are $20-$30, other copays are $30-$75. The out of pocket maximum is $4000, everything else is 90% covered.

[SupportOAFJF 0]

This was big for us..on my plan employer sponsored we would have been paying over $2000 a month for my husband and our 2 girls..

Hubby qualified for his partial employer sponsored..$66/check for all for of us..with specialist or general...$50 ER copay..vision/dental/medical..we really are thankful..