|
 This survey originally ran in
the 2/12/03 DebtSmart
Email Newsletter.
To take the survey click here.
How many individuals live in your
household?
 |
5.26%
of respondents said 1 |
|
31.58%
of respondents said 2 |
|
24.56%
of respondents said 3 |
|
17.54%
of respondents said 4 |
|
12.28%
of respondents said 5 |
|
1.75%
of respondents said 6 |
|
3.5%
of respondents said more than 6 |
Do you, or your family, have full health
insurance coverage?
|
52.63%
of respondents said Yes |
|
40.35%
of respondents said No |
"Husband laid off - we will lose
our dental and vision coverage after Cobra ends - and in the
meantime have to pay a higher premium - I have the health insurance
through my work"
--Anonymous
"Both of my children are on a
Medicaid based insurance program and my husband and I have no
insurance coverage due to the outrageous cost."
--Kristina
"Try being SINGLE and without
family; female, older, low earning; there is nothing out there we
can afford."
--Anonymous
"I can no longer afford the
increased premiums coupled with higher deductibles."
--Anonymous
"I have health insurance, my
mother and stepfather do not."
--Anonymous
"My children are covered by
Medicaid, but my husband and myself aren't covered at all."
--Terri
"More like accident insurance,
but still very expensive."
--Anonymous
"We just got out of the military
and are not used to deductibles and co-pays and such. I was not
aware of all of the fees in regards to healthcare and I am feeling a
bit overwhelmed!"
--Jodi
"When my husband lost his job,
we lost our insurance. The state now pays for our two young sons,
but my husband and I have no insurance, and no way to pay our doctor
bills. I've checked into insurance coverage, and if the monthly
premiums are cheap, then we get socked with huge deductibles and
co-payments (and vice versa). We just can't fork over a couple of
hundred dollars a month for "just in case". My husband
lost a job of 27,000. gross income to take a job making 16,000./year
and supporting all of us a truck driver (and people think truck
drivers do okay!?)"
--Karen
My husband has insurance through his
union. He is on disability and has medicare primary backed up with
BlueChoice. He has no problems. I have insurance through my job.
Because my husband was married (his first wife is deceased) his
union will never cover my insurance. New York State allows them to
do this. I have to keep working to pay the insurance. Otherwise I'd
have cut back long ago. Most of the older people I work with here in
NY are the same."
--Mary
"Children have coverage through
the state DSHS."
--Anonymous
"Due to the cost, our health
insurance is split up in different companies. My son and I are on
one plan with one company, and my husband's is totally
different."
--Anonymous
"It's a PPO plan with huge
deductibles and only pays 70% of any bill (including
hospitalization.) We pay the other 30%."
--Anonymous
"My spouse and I have independent
ins coverage and our 4 children are covered by state funded
childrens ins."
--Anonymous
If yes, are you happy with your current
coverage?
|
35.08%
of respondents said Yes |
|
29.82%
of respondents said No |
|
35.01%
of respondents said n/a |
"Happy with Kaiser but hardly
any of the plans available have dental coverage - we've always had
to buy extra dental insurance through husband's work."
--Anonymous
"I pay over $90 every 2 weeks
for my medical coverage and close to $20 every 2 weeks for my dental
coverage."
--Anonymous
"My husband and son are on one
policy and I have to be on another because they will not accept me
because of a medication I am on."
--Liberty
"My husband is retired and in 7
years the rates have increased over 100%. We have minimal dental
coverage too."
--Anonymous
"The billed price goes up every
billing cycle, and they don't cover much. It is a gambler's world-
will I get so badly hurt that my home will be at risk? Should I keep
the insurance?"
--Anonymous
"Too expensive."
--Max
"They suck"
--Joe
"Huuuummmm, do we buy health
insurance or eat?"
--Karen
"My company changed to Cigna
from Blue Choice two years ago. Many of the doctors do not accept it
so many of my co-workers have had to change to a doctor who accept
Cigna. Also Cigna has a very bad reputation for paying little and
late. They regularly loose doctors because of this."
--Mary
"Cost is getting too expensive
for the coverage you get!"
--Anonymous
"Since my spouse and I have
pre-existing conditions, we cannot find any health insurance plans
that will take us as individuals. They say that we are high risk.
The plan that I have now is through my employer and it is the only
plan that they offer."
--Anonymous
"Neither happy nor unhappy with
coverage."
--Anonymous
If you don't have full coverage, would
you be interested in saving up to 50% on doctor's visits, hospitals,
dentists, prescriptions, eyewear, etc.?
|
56.14%
of respondents said Yes |
|
3.5%
of respondents said No |
|
40.35%
of respondents said n/a |
How much would such a plan be worth to
cover you or your family?
|
8.77%
of respondents said $200 per month |
|
8.77%
of respondents said $150 per month |
|
10.53%
of respondents said $100 |
|
7.02%
of respondents said $75 |
|
26.32%
of respondents said $50 |
|
38.6%
of respondents said n/a |
Would you prefer to pay for such a plan
in one payment if you received two months free?
|
33.33%
of respondents said Yes |
|
22.81%
of respondents said No |
|
43.86%
of respondents said n/a |
"Would prefer to purchase piece
meal portions, such as vision or dental. Would the premiums be
pre-tax?"
--Anonymous
"I would like that option but
wouldn't be able to afford a big lump sum up front."
--Vicki
"Limited budget. Very hard to
make one payment of anything."
--Anonymous
"This might be a great idea,
except for folks with chronic conditions that require frequent
doctor visits and numerous prescriptions."
--Anonymous
"If it allowed me to stay in my
budget than yes, I would be happy to pay for it in one
payment."
--Anonymous
"Health Insurance is ridiculous.
Its great for those that don't need it. They have no problems. But
for those of us that really do need it we can't get it or we have to
pay an arm and a leg for it."
--Liberty
"Yeah, I would love to be able
to pay premiums up front. In our situation, that's about impossible.
I chose to stay at home with my children, we're with one income, I
chose my children over MONEY. In the meantime, that means I guess my
husband and I will have to wait for insurance coverage unless the
payments are relatively inexpensive and the premiums are on a
monthly basis-then we may be able to swing it."
--Karen
What do you Think?
Fill out the
Survey
Reader Comments
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forward to reading every issue, and enjoy taking the DebtSmart
quizzes!"
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enjoy each issue."
--Anonymous
--End--
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