<p>I’m away from my files, so I can only provide a rough estimate.</p>
<p>My HMO’s family coverage: $369 per month; $15 co-pay for doctors’ visits, no ceiling and no deductible. $15 for preferred prescription drugs, $5 for generic drugs. Dental care is separate but around $30 per month for a family. No coverage for vision. This is for in network care. For PPS, it is a bit higher.</p>
<p>Oh, and for those who yearn for European style universal health care: My self-employed brother in France hit a bad patch last year and could not pay into the “assurance medicale” portion of what are known as “charges sociales” (covering pension and medical care), that make French taxes so high. He had to pay out of pocket for his colonoscopy. Hardly a good illustration of universal, affordable health care.</p>
<p>Rather than throw a bunch of stuff out there, What is the COBRA cost of your plan? The rest of the stuff you spout is just the split between employer and employee… that simple. Please provide the cobra rate as it is the most accurate measure of the REAL cost per head and per family of your plan. OK?</p>
<p>Your ee/er split is great no question. Some in the private sector even have it better than you (Boeing). But your cost is not THE cost of the plan, never has been. </p>
<p>I can tell you why some plans drop off and others come on for WA state employees I think I told you in another post a year or so again. You should be aware that your wonder plan as more come on board and have claims like yours… you said $600,000 yet you’re contributing around $300 bucks a year??.. it will do exactly the same thing. You with your needs, in your situation would benefit the least from a single payor, you just haven’t figured it out yet. </p>
<p>Right now when your plan premiums rise, you simply go to another plan. You wing walk in WA with absolutely no concern of pre-ex. You leave the plan after you’ve taken the benefit. You don’t stay when they raise the rates you split… </p>
<p>What happens to you when there’s no WING to walk to? Surely the $600,000 in medical expenses aren’t even remotely covered by your minimal contribution to the cost, So who pays that cost when you can’t leave and go elsewhere? Do you think you’ll still have cheap premiums if claims continue to exceed premiums collected? you slay me on this whole deal, I think you’re a very smart person, but you are either blind to what going on and how you benefit from it or you or caught up in the rehtoric…</p>
Surely the $600,000 in medical expenses aren’t even remotely covered by your minimal contribution to the cost, So who pays that cost when you can’t leave and go elsewhere? Do you think you’ll still have cheap premiums if claims continue to exceed premiums collected?