Tuesday, June 14, 2011

Questions for Americans- how much do you pay for your health insurance?

Is it through your work? And does it cover everything?
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Health insurance for my husband and I costs us around $350 per month. We get the insurance through his employer but we pay for it. Every visit to a health care provider has a co-pay, this varies depending on whether it is a specialist or not and has to be paid at the time of the visit. Prescriptions have co-pays of $10 - $40 dollars depending on the medication, eg, my contraception costs $25 per month. If we choose to go see a doctor who isn't approved by our insurers then we have to pay 20% of the cost, the insurance picks up the rest. It's a lousy deal but without insurance a simple blood test for rubella cost me $230 plus another $60 for the doctor. All in all paying National Insurance contributions is a much better deal for the patient. I would rather wait for treatment on the basis of clinical need than wait until I can afford it.
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