Monday, July 9, 2007

Schmealth Care

I just got finished listening to a fascinating interview with Jonathan Oberlander on NPR’s Fresh Air. I encourage all of you to give it a listen.
I, personally, have been dying to see Sicko (haven’t yet) partly because I, personally, have been bit in the butt this year by the escalation of health care costs. Actually every year has been a slow escalation since I’ve been at this job.

A brief history:

- I started with 100% employer-paid-for coverage. (Ridiculous! I know. But it was a very small company and most of the employees were young, healthy people with no children)
- The following year we got a traditional plan that called for a monthly pay-in by employees. A negligible sum I guess cause I can’t even remember it.
- Third year was the short-lived “supplemental(?)/Consumer driven?” plan. No monthly charges but a high-ish deductible ($500 for a single). However, once this was paid, the employer matched a similar deductible and then after that everything was covered. Luckily I spent the majority of my pregnancy during this year.
- Looks like I wasn’t the only one that figured that one out. Crazy plan was dropped and we were shuttled into the world of traditional health care. My Blue Cross Blue Shield plan for me and my family was $389 per month. That was for the HMO plan so we had to find new doctors. (PPO? Close to $800 a month)
- This year, same plan as last but the costs increased by almost $200 a month, which means I essentially got a pay cut, as Lakeview Joe recently pointed out.

I would be interested to hear other people’s health care stories….


Pulisha said...

I have the best health care plan in the country (100% of everything and anything for me and nearly 100% of everything for my dependents). The downside? I have to agree to go to war.

Honestly, this is one of my biggest fears when I get out of the military. I literally pay nothing for my family's health care (I pay $27/month for complete dental care for my family). I have no idea what it is like to deal with an HMO or how much it will realistically cost to cover us all. I would love to hear everyone else's take on America's current health care system (esp. AinA w/her foreign experience).

Lakeview Coffee Joe said...

Your experience mirrors almost exactly what happened at Morningstar (except for that crazy one year plan that you had). Each of the plans lasted several years though before they had to be bumped up to the next plan. Not sure where they are now though. I pay $440 or so for a single guy with a relatively low deductible. Looks like I'm going to go with a slightly higher deductible and lower my monthly rate a bit. Ugh.

stef said...

be afeared PU, be very afeared!

Dad said...

The whole healthcare and insurance industry is out of control. As self-employed people, it is very hard to find a group that you can fit into. As it is we are in a health savings plan based account with Blue Cross where we still pay $750 or so a month with big deductibles.