Tweet
so i am a provider and as u know have no benifits so we have health insurance through my hubbys work but he is always making me feel guilty cause he has to pay almost 500.00 in medical insurance for me and our 2 kids (his work pays for his insurance) they just had an increase in rates in june and every thurs (paydays) i have to hear how he cant pay it anymore it is just to much money and he thinks i dont care cause i dont see it comming out of his check I do care and am looking into diff ins. companys tried blue cross but it would be about the same $ he is paying now. any ideas of any other ins. co. for self employeed
-
-
I'm having trouble getting past the he's making you feel guilty part. :confused: Is all your money and bills separate???
I can tell you it is probably A LOT cheaper for him to carry all 4 of you on his work insurance than it is for him to carry himself and the 2 kids and you pay for your own. I couldn't imagine my husband making me feel guilty for having to pay for the health insurance of our family.
-
I have just gotten my kids and I health insurance in Ohio. I can tell you, you probably are not going to do much better.
This is what we pay.
$5000 deductible per person, max out of pocker $10,000 per family per year.
Covers nothing until the deductibles are met, except for wellness, like physical, pap, etc.
Me age 51, son age 22, daughter age 20.
I am paying $234 per month.
Husband....we are paying $235 per month thru Anthem. He is considered a smoker even though he has quit. His is $5500 deductible per year. Covers nothing until deductible is met, except for wellness, like physical.
It is rediculously expensive. If I was to put him on my policy it was about $75 a month more. Crazy. Giving him his own policy was cheaper.
It really ****s to tell your kids sorry, but you are not sick enough to go to the doctor.
For those who have not had to deal with being uninsured, consider yourself very fortunate. In my whole life, this is the first time we/I have dealt with it. It ****s. Our system is so screwed up.
I will never understand, how my husband and I, who have paid into taxes for over 70 year combined, can not qualify for a Medicaid card when we need it. Oh, we work our asses off, are responsible, and this is what we get....while people totally abuse the system having children they simply can't afford while the rest of us foot the bill. The American way.
I don't expect anyone to pay for my health care, but seriously, why can't those of us who have lost our jobs and healthcare, pay a monthly rate for a Medicaid card like the users get for free. Is just isn't right.
Go to einsurance.com and plug in your information, the quotes that appear are pretty accurate.Comment
-
Does your state have insurance? If all your bills are separate, you may be able to qualify for a reduced rate or even almost free care for your kids. The plans normally aren't the best, but it might help. When DH was between jobs and we had no insurance for 3 months, it cost me $12/child/month to get the covered through our state. We also qualified for subsidized premiums once he did get covered, but it wasn't any cheaper than what his employer offered to cover the whole family. BTW, we pay the same for 5 people, with $7500 in annual deductibles before they start paying for anything but a physical. My pap smear cost me $600, and another $450 for my yearly blood work.Comment
-
If it will make you feel any better, after a corporate downsizing 10 years ago, we lost my DH company insurance. We had to pick up the insurance on our own.
We now pay $765 a month for just the two of us! With DH going on medicare in November, it will only go down by $200 a month, (I'm 51, so many yrs before medicare)Comment
-
yes i know he shouldnt be doing this but this is how he is and i PUT up with it and tell him others would not so he is lucky i stay around.
Yes all of our bills & money is seperate i have set bills from the household i pay like utilities, cell phones, house ins., my credit card, weekly groc. and supplies all out of my dc income which leaves me with about $40 extra a week sometimes less. He pays for both vehicles, electricity, vehicle ins, health ins., a bank loan payment, another bank loan payment, and a care credit card payment. granted he does pay for more but he does make more then i do
we argue about money all the time this is 99% of all our arguments and the last time I was ready to just call it quits and leave but figured what would that solve we still both would be responsible for our debt we created togehter as a married couple. we dont have an enourmous amt of debt but will take us quite some time to get out of it. we are in our middle 30s his parents never had much so i cant for the life of me figure out why he see money this way but mine r pretty well off. It is like we grew up in the oppiste homes I am an avid coupon user and dont buy anything unless we absolutely NEED it or it is on sale I couldnt tell u the last thing i bought for myself but he hunts and had to have a 500$ bow that he charged but i get the evil eye and mouth cause he pays for that bill so he can do whatever he wants. his money attitude is like this not only with ins. but other things always throwing in my face how he pays for my car so i should keep gas in it and pay for maintence of it. I know I know why do i put up with it
sorry for the vent
yes i have checked into our state ins. but I cannot quilify cause of our income and the kids would have to be without ins for at least 3mo. before they would consider them on a plan then it wouldnt even be a guarentee they would get it.Comment
-
Sorry if this is harsh but....
He's tired of paying for it? What the bleep!?! Arent those his kids, and aren't you his wife? It's BOTH your responsibilities to pay for that health insurance. And you have a job that doesnt have insurance, but it contributes MONEY to the household bills, so you have the money to pay for that health insurance! The way I see it, you are BOTH paying the health insurance! Part of having kids is being responsible enough to provide for their needs, which includes health insurance. What does your daycare income pay for? For instance my husband pays all the bills, but I pay all the household expenses. I buy all the groceries, and things we need for the house. I have NEVER ONCE felt like I was tired of paying for HIS groceries! Nor has he ever felt like he was tired of paying for MY car insurance.
I agree, health insurance is horribly expensive, and gets worse by the day. But it will be way cheaper for you through his work policy than if you purchase a policy on your own. Are you paying $500 for a month for 3 of you? If so, that is cheap for health insurance! Most plans now a days are a lot more than that.
If you are checking into purchasing a policy LOOK CAREFULLY a the policies. It may seem cheaper, but the coverage may be drastically lower. Health insurance can be very confusing.
If he thinks insurance is expensive, try going without it. If you or your kids get sick, you need to be able to get it taken care of. You dont want to have to compromise your childrens health because you are afraid to run up a drs bill.Comment
-
dont be sorry
I completly agree with you I dont know why I think it is easier to just stay and put up with it rather then leave cause i dont see him changing his view on $ ....ok so that is not true deep down i do know why i keep telling myself that the good times are good. I have a very neg self esteem (i am about 125lbs overweight and cant see anyone else wanting me) I am working on losing weight and trying to feel better about myself but it is hard and I cant imagine ripping my kids away from him he is a good loving dad and if we can just get through this tough time we will be ok.
oh and I do pay for what i mentioned in the other post and also I pay for all the copays for our kids dr. vistits and their prescripts. thankfully i dont get sick or need dr. care often but when i do i also pay for that too. but our daughter did have her tonsils out last spring and he does pay for that we put it on a care credit card. we do have GREAT insurance and only have to pay 20% out of pocket I couldnt imagine what it would have cost if we didnt have ins.
thank you all for your input I can never come with any good comebacks in the heat of an argument i will keep some of these in the back of my mind for the next time (which will prob be this thursday payday)
maybe just maybe he will see the light of day and change his attitude about it but if not one of these days I will have had enough and take my kids and be on our wayComment
-
NEED UNIVERSAL HEALTH CARE! 'Nuff said.Comment
-
We pay about the same for our COBRA. We will have COBRA until 12/31, then we are in trouble. I've checked out a couple of plans, the cheapest was $1400 a month, IF we could qualify. We both have health issues - diabetes, high blood pressure, and 2 rounds of breast cancer. I'm 57, dh is 56, so we have a long time before medicare.Comment
-
I have blue cross and it is 323 a month for just myself and my son. We have a 4500 deductable and 100% coverage after that.
I think your DH should offer to pay his portion of daycare and you can then reimburse him for his portion of health insurance. Print him a weekly bill and tell him you will offer it in kind since he pays the insurance.
Comment
-
oh THANK YOU JoJosmommy I never even thought of it that way ....I will do that the next time i hear him say a word about what he pays I live in a small town so our daycare fees arent as high as some of our sourounding areas but I do lose about $600 a mo. cause our kids take up 2 spots I just never have thought of it that way because they are my kids so I do get the advantage of being with them everyday (that is priceless to me) cause i choose to have a home daycare but putting it that way might just change his ways of thinking about it.
oh by the way I am a registered user and absolutly LOVE daycare.com I dont have anyone besides my family to talk to all my social friends are my family members. I love reading all the views on here.Comment
Comment