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<<I know a lot of discussion has been made about the rising cost of health coverage. Can anyone tell me how much they pay for coverage of them, their spouse and a child?>>

Our insurance is an employer provided plan via husband's faculty position. We have a choice of a good many plans offered by the federal government and SUNY.

We pay just under $350 a month for family coverage which includes a rider to cover the daughter at college out of state plus the mandatory small fee the college requires of all students. This is for a trad. indemnity plan with highish deductibles, no optical and a laughable "throw 'em a bone" dental plan. There is a point of service option available that we could use if we were desperate enough to need it. Wouldn't know what the actual monthly premiums are, of course, unless we had occasion to use COBRA.

With a choice of HMOs and more limited coverage plans to choose from, we still opt to pay for this unfashionably "expensive" plan....even though we're all in tip top health. If we're truly sick and at our most vulnerable, we don't want any plan exclusions, limitations of coverage or manged care bean counters dicking around with our health and well being.

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