Average industry health insurance?

Discussion in 'Questions From New Drivers' started by AlaskanDad, Aug 18, 2018.

  1. x1Heavy

    x1Heavy Road Train Member

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    Mar 5, 2016
    White County, Arkansas
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    Forget the insurance.

    Watch out for the deductable. For example you have to run up a 10,000 dollar ER bill before the insurance starts paying. (It has to be paid in full before insurance starts paying)

    You can have a deductable of 10,000 and if you are paying 9000 a year in premiums and have to go to the Trauma or ER you can discover that bill is generated by midnight and adding up at a few thousand per day. Your premiums don't matter.

    A friend of mine spent a week in the world renowned shock trauma in Maryland near Hopkins and that billing was a cool 100,000 when they got through saving his life in 5 days.

    My last billing against medicare in the hosptial was 14,000 in october, a further 7000 in January and then backed by three local surgery centers this year at 5000 each so far. All of which is paid because my deductable of 1350 is met. We have at least another 24,000 in charges pending to be generated in the next 6 weeks when the docs do more procedures against my body in surgery.

    My personal record for basic ER visit was 9000 dollars in 3 hours. 2000 of that paid for two people to do nothing but math work in the dallas blood lab after about 40 or so of my blood samples got there to be tested priority.

    My favorite line item is a IV butterfly. Once installed into the hand, arm or wherever there is a connection to blood on me, they can stick 50 needles into it and run a IV at the same time without stick stick stick stick ow ow ow ow.

    Those run about 45 dollars each in billing.

    The IV salt water saline hanging above your head? 5.00 retail. 200.00 billed by Hospital.
     
    Last edited: Aug 18, 2018
  2. 88 Alpha

    88 Alpha Trucker Forum STAFF Staff Member

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    May 12, 2012
    SouthEast Alabama
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    My company has high premiums and low deductibles, plus AFLAC. Just a tick over $200/week is deducted from my paycheck but we only have a $1000/person deductible. The insurance company has certainly shelled out some money for my wife and I over the past 13 years.

    A couple of years ago, with a couple of claims, AFLAC paid us back virtually every penny we had paid them over the years.
     
  3. rabbiporkchop

    rabbiporkchop Road Train Member

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    Feb 9, 2012
    Wapwallopen, Pa
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    I'd only do it out of desperation. I'd rather pocket the extra $15,000 in medical expenses
     
  4. Canned Spam

    Canned Spam Road Train Member

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    Mar 8, 2010
    STL
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    Everyone runs down union jobs, but I'm paying $16 a week union dues for really good health care. I'm not the biggest union cheerleader but the job was worth it just for that
     
  5. 74Chris

    74Chris Light Load Member

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    Jun 10, 2018
    Michigan
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    I have health, dental and vision insurance through my employer. My health insurance provider is BCBS, I'm paying $47 a week for health with $1500 deductible, $5 a week for vision and $8 a week for dental. My company also gives me a free $25K life insurance policy. Not married no kids.
     
  6. Swiss Mountain Dog

    Swiss Mountain Dog Medium Load Member

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    Apr 4, 2018
    Texas
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    We're paying $600 a month for 2 adults, no kids, no tabacco. Deductible is $2500 a person in network and $4000 out of network and 20% co-pay.
     
  7. already gone

    already gone Road Train Member

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    Sep 8, 2007
    Western New York
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    Im with you, im in western Pennsylvania teamsters h&w fund, great insurance, vision, dental, 6 months supplemental disability, and 30k life insurance.

    I do pay 60 a week for it, but 240 a month is comparable to many companies weekly co pay on the premium.

    Not to mention i just made 1k in 9 hours....
     
  8. Jazz1

    Jazz1 Road Train Member

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    May 7, 2012
    Thunder Bay On
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    Extended health care( dental, drugs, massage etc)$100 a month. Zero deductible. That is total cost of health care costs
     
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  9. already gone

    already gone Road Train Member

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    Sep 8, 2007
    Western New York
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    Massage? You get happy endings with your health insurance? And i thought i was cool cuz my vision coverage buys me sunglasses, lol...
     
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  10. x1Heavy

    x1Heavy Road Train Member

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    Mar 5, 2016
    White County, Arkansas
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    My part c vision insurance is willing to cover 65 dollar glasses, but what they don't understand is that by the time I get the frames, 130, the chemical reactive shading, thin lenses (No more coke bottle), outer scratch filtering... (Brass or nickel cartidges slapping the eyes from the colt's ejection port...) and impact resistant treatment (Future addition, blue light filter) and trifocal lenses and so on etc it's about 700 dollars all total.

    This year Im fixing just to purchase the frames and transfer the lenses after 10 years on the old pair.
     
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