Employee Medical Insurance

[cdiesel]

We use humana, through metlife. The premiums aren't bad (in my opionion, anyways) and the coverage is okay. We have full dental/medical/vision, and each employee (male, mid 20's) runs about $120/month. Not too bad, especially considering now I can tell my guys to take a few hours and go to the doc when I hear them coughing. Keeps us all more productive and well, not to mention it's another way to repay my guys for kicking ass all week.

As far as shops pooling together, it's probably something like blue cross/blue shield, which I used to have. The premiums for me, my wife, and two kids was over $800/month. That's just for medical, and didn't include prescription coverage, doc or specialist visits--only major stuff/hospital admittance. It was actually an individual plan. Now, the premiums for my family and I are in the $700 range, but that's for medical/dental/vision, and covers everything. Humana only requires two people to be considered a group, with a decent price break at six.

 

[JEAMMHS]

Ours is thru Anthem Bluecross Blueshield and averages about $114 per person.
$25 Co pay $15 Generic Drugs

 

[Ken]

Provincial plan..96 bucks for me and the wife..thats it.
ken

 

[Ken]

You dont get it....

Are their any group insurance programs that are available for small sign shops pooled together? I read something about ISA offring something like this. I could use some... I'm at that age.

If all members of the society would pay(nominal amount) when they start working..then you could all afford it..been that way here in Canada for decades..not perfect,,but it works..
Ken

 

[wildside]

check into HSA's, if you rarely go to the doc, and can stand to have a higher deductible, its the way to go, plus you can get your money back if you need to and it don't go to some guys 20,000 sq ft ranch

we finally got hooked up with it, pay 80 bucks a month for the insurance with the 3500 deductible, then we chose to pay an additional 100 a month into the HSA which builds interest and can invest into what ever options you like

 

[Matt Cuellar]

My wife and I are covered fully by the company. Our daughter is the only portion we pay.

 

[TheSnowman]

check into HSA's, if you rarely go to the doc, and can stand to have a higher deductible, its the way to go, plus you can get your money back if you need to and it don't go to some guys 20,000 sq ft ranch

we finally got hooked up with it, pay 80 bucks a month for the insurance with the 3500 deductible, then we chose to pay an additional 100 a month into the HSA which builds interest and can invest into what ever options you like

My wife and I don't have any kids yet, and we've maybe been to the doctor once in the past 6 years, so HSA was great for us!

 

[JimJenson]

Are their any group insurance programs that are available for small sign shops pooled together? I read something about ISA offring something like this. I could use some... I'm at that age.

Aetna.
Expensive, but no exclusions. I have a group of 1.