Hellobee Boards Topic: How much do you pay for your ins?

Hellobee Boards Topic: How much do you pay for your ins? https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Thu, 23 Apr 2026 02:25:10 +0000 JerricaBenton on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245412 Thu, 02 Aug 2012 16:30:15 +0000 JerricaBenton 245412@https://boards.hellobee.com/ Wow! We pay about $850 per month for just me and my husband. It's a good plan but I can't believe how much it is. We are self employed so it's our best bet for a quality plan. We are in NJ. Self employment has a lot of perks but a few definite smacks in the face, haha! chibee on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245142 Thu, 02 Aug 2012 14:15:50 +0000 chibee 245142@https://boards.hellobee.com/ $89 every paycheck (twice a month) for me and my husband. I think my deductible is $250 per person. Copay i think is $30. My friend at work that just had a baby said she only had to pay something like $300 for the whole ordeal when she gave birth? Not too sure what that means though, guess it's something I should look into for the future! mrs. bird on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245121 Thu, 02 Aug 2012 13:59:39 +0000 mrs. bird 245121@https://boards.hellobee.com/ @mrskc: ooolala! that is some beautiful insurance! @sweetchic: that isn't pretty! i hope you have a very low deductible/copay! mrskc on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245075 Thu, 02 Aug 2012 13:45:32 +0000 mrskc 245075@https://boards.hellobee.com/ I don't pay anything and neither does my husband. I'm actually on his insurance as well as it didn't cost anything extra to add me, so I'm double covered. I never pay anything. I have a $200 deductible on mine and $100 on DH's. For all my maternity costs, I won't pay a dime. The billing lady at my OB's office told me I had beautiful insurance. haha I definitely feel lucky. Meridian on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245062 Thu, 02 Aug 2012 13:40:42 +0000 Meridian 245062@https://boards.hellobee.com/ Somewhere around $450 - $500/month for the 2 of us. calsmom on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245054 Thu, 02 Aug 2012 13:37:33 +0000 calsmom 245054@https://boards.hellobee.com/ I believe our insurance is around $120/month for the 3 of us. We have a POS with a high deductible of 3k. We aren't crazy about it. ladyfingers on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245041 Thu, 02 Aug 2012 13:31:31 +0000 ladyfingers 245041@https://boards.hellobee.com/ My employer pays our premiums 100%. I have a $20 physician copay and $50 specialist copay. Medication ranges from $10 to $50. I have to pay a $1,000 deductible toward my OB's global fee. I'm not sure yet if I have an additional deductible toward hospital fees, the language in the plan is "we pay for two days' hospital stay in the event of a vaginal delivery, three(?) days for C-section." DH pays $61 every paycheck (every two weeks) but I'm not sure what his benefits are. Once LO comes, I'm not sure what plan she will go on. It will cost me $176/paycheck to add her, not sure what DH's premium would be. looch on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-245006 Thu, 02 Aug 2012 13:18:40 +0000 looch 245006@https://boards.hellobee.com/ I thought I posted this before, but for us, it costs about $600 for the three of us per month. regberadaisy on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-244939 Thu, 02 Aug 2012 12:50:51 +0000 regberadaisy 244939@https://boards.hellobee.com/ Mine is free through my work, my husband's is ~$50 each weekly paycheck, LO is $30 a month through a state funded program. I don't mind mine since it's free and I think my portion of delivery charges came out to ~2K? My husband's suck. LOs pretty much everything is covered and can't complain for the price! Mrsbells on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins/page/2#post-244937 Thu, 02 Aug 2012 12:50:17 +0000 Mrsbells 244937@https://boards.hellobee.com/ Mine $90 every 2 weeks. It is very high but its good insurance I didnt have to pay anything during my pregnancy after my initial $15 copay for my first OB visit. My hospital bill was over $20,000 but I onlyhave to pay $1200 because my copay is $300 per night. It used to be $150 a night but went up a month before LO was born! MrsBrewer on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-244922 Thu, 02 Aug 2012 12:40:07 +0000 MrsBrewer 244922@https://boards.hellobee.com/ I think mine is roughly 80 per paycheck for DH and I, but then I have to pay a "penalty" fee to have DH on it because he works full time and his employer offers insurance, but mine is a lot better so we pay the 100 per month extra to have DH on mine too BSB on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-244889 Thu, 02 Aug 2012 12:21:13 +0000 BSB 244889@https://boards.hellobee.com/ Oh, I just checked. I pay $58 each paycheck for me and the DH. So $116 a month. Pipers Mommy on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185576 Mon, 11 Jun 2012 10:55:39 +0000 Pipers Mommy 185576@https://boards.hellobee.com/ $70 something, 2x a month for DH, LO and I deducted from my paycheck. I have a 1000 annual out of pocket max per individual or $1500 for the family. Until we reach the cap, we have $15 co pays (no copay for prenatal visits, physicals or well visits), 10% for Lab and Diagnostics testing, and a $500 hospital admittance co pay. DillonLion on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185555 Mon, 11 Jun 2012 10:41:48 +0000 DillonLion 185555@https://boards.hellobee.com/ Fortunately, my employer covers my health plan 100%, no money is deducted from my paycheck. We are pre-paying our OB doctor which is $875 for pre-natal care and L&D, and then we'll get separate bills from the hospital and any other doctors that provide services to us (anesthesiologist, etc.). I'm assuming we'll get these after the delivery, but the hospital might want pre-payment as well. Either way, we have a 2k out of pocket maximum on my plan after the $500 deductible, so that will be the most we pay (and I'm assuming definitely will be paying). s1lly on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185529 Mon, 11 Jun 2012 10:23:18 +0000 s1lly 185529@https://boards.hellobee.com/ We get insurance through DH for about $80/month fir our family. That includes dental and vision. We are blessed. $10 sick visit copay, $50 ER visit, and $10 prescriptions. All labs/imagings are paid for. Prenatal, physicals, and well child visits are included. I didn't have to pay a dime for labor and delivery. Having DH's insurance allows me the flexibility to work part time and change jobs/positions (3 times since I graduated/got married!) TubeAlloy on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185428 Mon, 11 Jun 2012 09:24:06 +0000 TubeAlloy 185428@https://boards.hellobee.com/ It's about $860/month for me, husband, and kid. No additional charge for additional children if we have them. There is also a deductible of about $5800/year. Annual checkups are free. When it was just me, I had no monthly premium (work covered it) and a deductible of about $2800/year. It was pretty sweet, since I am rarely sick, and up until early this year, my husband was on his own insurance. Alivoo01 on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185400 Mon, 11 Jun 2012 09:12:03 +0000 Alivoo01 185400@https://boards.hellobee.com/ I pay $117.11 twice a month for me and the hubby. Our office co-pay is $20. I don't know what the insurance covers in regards to pregnancy and delivery though. mrsdoily on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-185110 Sun, 10 Jun 2012 22:11:08 +0000 mrsdoily 185110@https://boards.hellobee.com/ Our's is 105 a check for the both of us through DH's work. Our co-pays is $25, but I have no idea what is covered and how much for pregnancy/delivery costs. I think it will only go up another 50 once we have a LO. I really like our insurance! littlebug on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184402 Sat, 09 Jun 2012 21:37:51 +0000 littlebug 184402@https://boards.hellobee.com/ I think mine is about $200/month for hubs and I. It'll go up to $280/month when we add LO. I think. It's taken right out of my paycheck so I don't really remember of the top of my head. Our plan is pretty good, but I don't know exactly how much my L&D costs will be. I know I looked at it during open enrollment to make sure I wanted to stick with my current plan and was happy with it, so... ninja on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184399 Sat, 09 Jun 2012 21:24:25 +0000 ninja 184399@https://boards.hellobee.com/ Reading all the responses makes me super grateful about my insurance. Right now it's DH and I on my plan, and we don't have to contribute to payroll deductions. We have a $15 doctor co-pay, and the deductible is 450 for both and 675 for when LO gets here and it turns into the family plan. Since my deductible is already met for the year, with all the lab tests, we won't have to pay anything for the birth. We also get dental and vision. I know we are by far not the norm, and I have a feeling these numbers will increase next year, either the deductibles/copays, or just an employee contribution. StrawberryBee on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184306 Sat, 09 Jun 2012 16:56:59 +0000 StrawberryBee 184306@https://boards.hellobee.com/ I get insurance through my work that covers both of us (since DH is self-employed). For the two of us it'll cost $262/month for medical alone (dental is separate) when the new plan year starts. When we switch to a family plan (hopefully :3) it'll be $331/month. That's for the premium plan, which gives us better coverage in case of an emergency. Right now our individual deductibles are $200/each, with an out of pocket maximum of $600 each excluding deductible. I THINK this means that as long as I don't straddle plan years, it'll cost me $800 out of pocket for maternity. Copays are $25 for a regular visit and $35 for a specialist. Dollars go up significantly for "Non Preferred Care"...whatever that is! I think maybe out of network? regberadaisy on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184267 Sat, 09 Jun 2012 15:52:30 +0000 regberadaisy 184267@https://boards.hellobee.com/ Under single mine is free through work. No vision or dental though just discount. KT326 on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184263 Sat, 09 Jun 2012 15:34:21 +0000 KT326 184263@https://boards.hellobee.com/ @mrs. bird: yeah, I love our plan. In CA insurance companies have to offer it, but the company doesn't have to buy it. Luckily ours does. Although I think we are almost maxed out from all the tests and two IUIs we did. But at least we know what worked so when we try for number two we know where to start and it shouldn't cost as much. mrs. bird on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184260 Sat, 09 Jun 2012 15:22:10 +0000 mrs. bird 184260@https://boards.hellobee.com/ @sweetkate: wow! great plan! i am thankful that we have infertility coverage as well. in MA the ins companies are required to cover it, so not plan specific for our plan, but either way i am very thankful to have it=) MamaG on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184259 Sat, 09 Jun 2012 15:12:10 +0000 MamaG 184259@https://boards.hellobee.com/ @bird I'm in Texas. I work for a "small" employer according to insurance group standards. We have some sickly people (think cancer, disabilities, etc) that are on the plan. The higher the claims are the higher the premiums go each year. The insurance company has to make $ somehow. We'll be changing to DH's insurance in a few months which is about the same price, but significantly better coverage. KT326 on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184257 Sat, 09 Jun 2012 15:08:55 +0000 KT326 184257@https://boards.hellobee.com/ We paid$160/month for just dh and I. Now with ds we pay around $240/month. That includes maternity coverage. Our copays are $25 a visit and prescriptions are $5-25. We only had to pay $250 when I delivered ds. I love our insurance. We also had $10k of infertility coverage. BSB on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184202 Sat, 09 Jun 2012 12:56:42 +0000 BSB 184202@https://boards.hellobee.com/ I don't know I would need to check when I'm at work. skibobrown on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184167 Sat, 09 Jun 2012 12:19:38 +0000 skibobrown 184167@https://boards.hellobee.com/ I pay something like $35/month as my employee contribution for our family of 3. Up until this year I had no employee contribution, but this year they decided to add a small one. DH is on my insurance even though he could get insurance through his work b/c my employee contribution is so low. chopsuey on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184164 Sat, 09 Jun 2012 12:14:08 +0000 chopsuey 184164@https://boards.hellobee.com/ Our individual was about $350 for the 3 of us (didn't have maternity coverage). Now we have group ins and pay about $650. oliviaoblivia on "How much do you pay for your ins?" https://boards.hellobee.com/topic/how-much-do-you-pay-for-your-ins#post-184151 Sat, 09 Jun 2012 11:32:34 +0000 oliviaoblivia 184151@https://boards.hellobee.com/ @photojane: I know! It was because I had graduated and hadn't started working yet. There weren't other options in the area I was living other than paying out of pocket (which is what I had to do). It really sucked to be unemployed and having to choose between rent and healthcare.