Medical insurance- am I being ripped off??

[RStar]

Originally Posted by innerSpaceman

Well, i consider 1 employee to be less than 50, and - as I said, I get my insurance not through a group, and it's standard Anthem Blue Cross - for (until the rate hike they recently retreated on comes up again) for $280 per month (for me individually, without any other family members covered).

Sorry, I didn't mean to make it look as though I didn't see your post.

One of the differences there would be the coverage. In Blue Shield there are different levels HMO 5, 15, 25, 30, & 40. The 5 has the best coverage but the highest monthly premium. The dr office copay is $5, and pharmacy and hospital costs are low or zero. The HMO 40 is cheeper, but the office visits are $40, and you have to pay 40% of hospital and other costs.

I don't recall how Anthem Blue Cross lables the levels, and I'm not sure how to compare what you and I have, but right now I have the HMO 15. My hospitalization is $350 per admittance. When I change to the 30 it will be $500/day!