Question: If you have insurance, what are your deductibles? Thanks for the input!

[system admin]

Gentlemen,

During the last two days of me getting feedback from our members on an idea that I had, I was left with an unanswered question:


I have been asking members about what they pay for medication and health services and I have been getting spectacular answers such as $5/$15/$35 co-pays and in the past I have heard that people get medical treatment for $20 office visits. When I hear that, I am VERY impressed.... However, I then think to myself, "I have great insurance and my deductibles are $2500 a year for medical treatment and my medication deductible is around $600 a year." With that being said, am I crazy or are people saying that they do not have medical deductibles along with their co-pays? I am never sick, so even with my $10 medical co-pays and my $20 office co-pay, I still pay retail price each year because I NEVER meet my deductible. (The insurance company ALWAYS sends me a bill to cover the costs until I have met my deductible)

My question is: Those of you who have insurance, do YOU have a medical and medication deductible and if so, what is it? Again, I am asking because I am doing research and when I hear "I have a $7 co-pay", are people sensationalizing what they pay to wow us with an extremely LOW $ amount for treatment and/or medication or do you guys seriously NOT have deductibles. When people say that "I have a $4 co-pay", are they including the fact that they must meet a certain $ amount BEFORE that benefit kicks in?

Thanks for the input guys!!

[system admin]

One more question, same topic:

If you do have a low deductible, many times you are left with a 20-25% obligation for the services or mediation you get. What types of plans do you have and do you have a % to pay even after your co-pays?

[kelkel]

Medical: First $600 out of pocket then all covered.
Prescription: $3 copay generic, $10 name brand.

[system admin]

Medical: First $600 out of pocket then all covered.
Prescription: $3 copay generic, $10 name brand.

WOW! Are you a Government employee?? ;-)

[ppwc1985]

800 deduct able everything covered after that. 25 co pay for regular, 45 cp for Specalist. Any prescription wrote cost me 9 dollars no matter what it is.

[Hazard]

There's two seperate co-pays most of the time..... Like kel said.

Script compays for me average 15 generic - 30 brand - 50 not in network or whatever.

Currently have no coverage

[Sgt. Hartman]

I'm probably the exception......

My deductible is $10k, it's not a typo that's what it is.

My monthly payment is extremely low and I get the insurance companies negotiated rate on all my medical services that I pay out of pocket that go toward my deductible.

Once the deductible is met (which I don't anticipate) there are no copays or anything they pick up 100%.

Sounds strange but it works for me the way things are right now.

[system admin]

I am interested to see what happens when Obamacare kicks in full force.

[--->>405<<---]

$0 deductible

$5 co-pay for meds generic or brand (i have to get generic if they have one)

$10 co-pay office visit

$30 co-pay specialist

$25 emergency room

thats it.. all my labs are free.. i confer with my doc via email and so i only visit him one time per year and i pay $700 for that cuz he does not accept insurance. that $700 covers all his services for the entire year.

[system admin]

WOW.... another person without a deductible? How in the hell are the insurance companies paid if all of you have 0 annual deductible? I need to get a job for a company who has a union!!! haha!

[Dpyle]

I pay 115 a week for medical, dental, vision, life, and additional disability coverage for the wife, baby, and myself. Have a 2500 family deductible before insurance kicks in at a rate of 80/20 with a 3500 maximum out of pocket expense for the year. No set co-pay or deductible for prescriptions. The prescription coverage works, on what I assume to be either a pre negotiated price or percentage depending on the medication and whether its a generic or name brand.

My generic ambien is $3 for 30 pills, $15 for generic seroquel, $25 for 10ml generic test cyp or $45 for name brand, have a script for nuvigil that would cost me $100 for 30 pills had my doc not given me the company discount coupon.

The wife's anti-depressant is 10-15 dollars to refill, her .5 mg script for generic Xanax is under $10, and her birth control is covered 100% so no cost there.

Not a great policy, but the prescription coverage is pretty good, and helps make up a little for what the medical coverage is lacking.

[system admin]

Thanks for that input Dpyle! At least I know I am not alone now lol