We pay $300 a month for 2 people, basic medical, no dental, no vision, and really lousy medical coverage ($60 copay for name brand drugs, even approved ones when there is no generic available--serious ouch) and it's still less than a third of what we would pay for coverage anywhere else, and realistically closer to 1/8th of what we would pay for decent coverage as individuals.
If you cancel the coverage completely, you should also consider that if anything happens to either of you--say one of your develops high blood pressure, or falls and ends up damaging themselves in a way that eventually requires surgery or something, future insurance companies can turn you down or refuse to cover related problems because they are pre-existing conditions. So long as you are continually insured, you are protected from that.
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Re: um, that was me
Date: 2008-12-08 11:59 pm (UTC)If you cancel the coverage completely, you should also consider that if anything happens to either of you--say one of your develops high blood pressure, or falls and ends up damaging themselves in a way that eventually requires surgery or something, future insurance companies can turn you down or refuse to cover related problems because they are pre-existing conditions. So long as you are continually insured, you are protected from that.