How Good is Your Health Insurance?

Nowadays, people sometimes get a job just so that they can make sure to have health insurance.  I’m not going to go into the rising costs of healthcare due to the insurance industry today, so have no fear.  But really, how good is that insurance that your company is offering you?

Mr. Grump and I have been trying to figure out insurance for me for a while now.  I had been paying for my own insurance at my last job (one major reason why I left: I was paying $150/mo. because they wouldn’t offer insurance), and since working at the restaurant, I have been paying about $100/mo. for a rather crappy plan.  Basically the plan I have with the restaurant will cover a broken or sprained ankle, that’s about it.

We figured that when we got married, I would just get covered under his healthcare plan.

WRONG.

His healthcare plan is pretty good - but in order to add just one dependent, it costs between $70-90 per pay period.  Wait - did I mention that Mr. Grump is paid every week?  The total cost of adding a dependent is actually $280-360 PER MONTH.

Now, as a relatively healthy female of average height and weight, I was paying $150/mo. for individual insurance.  Seems pretty screwy right?

Well, in any case, since the insurance at the restaurant will obviously not a stop-gap measure make, because there is no stop once we’re married, I’m going back to just paying out of pocket for a much better plan.  One that I know will cover me in almost any instance (except maternity).  So until kids are a worry, I’m fine, and I guess I just have to pay more for a better service.