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Completely off top-domestic partner benefits

HI, my boyfriend's company offer's domestic partnership benefits to same sex and opposite sex couples who are not married. I no longer have benefits as I moved (in with the bf) and had to quit the job that gave them to me so we were looking into getting me onto his benefits mostly so i would have medical coverage. Well according to a woman in his HR department this is going to cost about $488 a month!!!!!!! I know domestic partner benefits can be taxed whereas spouse/dependent children coverage can't . . .but does this make sense? $500 seems a little high!!!!!! Sure we do talk about marriage in the future, but not yet. can anyone else confirm this isane cost? Or offer up a good health plan for individuals? Most of what i've found online requires a $1000 deductible every year before coverage starts. ouch. thanks for reading guys!

Thu. Aug 10, 1:03am

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my work doesn't even offer DP bennies :( but for my coverage for me & my daughter i pay $42.07/week (it was like $12/week w/o kid)

Thursday, August 10, 2006, 7:53 AM

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My company was TERRIBLE. I was paying 191/month as a single 23 year old. I decided to go out on my own and went back to the insurance company that I had been on for years with my family and knew was great. Even with no "benefit" and the most possible coverage I can get (more than I was getting with my company), it's still only 155/month. How can they get away with calling it a benefit if there is no benefit at all and you'd be better off going on your own?!?!

Thursday, August 10, 2006, 9:13 AM

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Health insurance costs have skyrocketed, and some states require you to have life insurance as well, and then depending on what other benefits they offer, that can raise the price as well.

Thursday, August 10, 2006, 9:23 AM

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It also depends on the state. in NY they require insurance to cover almost everything under the sun, so your health insurance is going in part to cover IVF treatments for all the rich older women in NYC who put families on hold for their careers.

Thursday, August 10, 2006, 9:37 AM

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we use aetna insurance where i work and it is 371 a month for me now, up from 255 last year. but it is worth it. i was hospitalized for 3 days before i had this insurance and with the 3 tests they gave me, which were basic, my total cost was over 25,000! i had to apply for financial assistance to even think about possibly paying that off! nightmare situation with healthcare costs in this country!

Thursday, August 10, 2006, 10:10 AM

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I think mine's about $200 a month for me, a healthy 23-year-old female, and if I had a spouse that was covered too, it'd be double. There's no DP coverage offered.

Thursday, August 10, 2006, 10:27 AM

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That's about in line with most costs I've seen as a self-employed person. It's one of the reasons that I'm glad my hubby has a job with benefits now. Even with the company helping out, it's still about $200 a month to cover our family of three. Still, a LOT better than the $550 we were paying out of pocket when he was going to school. We are young as well, which would seem to make it lower, but they ding you if you are a woman of childbearing age.

It sounds like the company is just giving you the option of paying their costs as a DP, in the event that you can't get coverage on your own, which is a benefit for many people. Depending on where you live, many insurance companies don't want to deal with individuals at all.

Thursday, August 10, 2006, 11:22 AM

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op here, thanks for all your comments guys . . . gah! health care in this country is so ridiculous and expensive! i'm looking for an individual plan to cover me in the meantime! confusing stuff!

Thursday, August 10, 2006, 12:52 PM

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please, please contirbute some info about individual health care coverage that you find!! thanks in advance! good luck!

Thursday, August 10, 2006, 1:18 PM

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I think it's unfair to put all the blame on insurance companies and on people needing fertility treatments -- there are some sectors of the healthcare system making out like BANDITS.

As an example, I switched jobs and then got sick before my new cards came in the mail (even though I was covered) so I had to pay for my antibiotic and then get reimbursed. I was prescribed amoxicillin, an old antibiotic that is cheap to make -- probably costs 5 cents a pill to manufacture. Yet it costs $4.50 per pill, generic, at the pharmacy. So I end up with 1$ worth of antibiotic for 90$ -- what a markup!

Thursday, August 10, 2006, 1:21 PM

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