In the past 2 years my family's health care plan (which is offered through my husband's work) has gone from great to way too expensive. We pay 250 a month as a premium, then we have a 1,000 each deductible, then our copays kick in 25 for office visit, 35 for specialty, 100 emergency room visit (must be okayed by dr. first, or they don't pay anything), 100 each day in the hospital. Perscription copays are 25/30/50, and not all things are covered. Two years ago we paid 275/a month and had 20 copays for everything (except hospital stays were always 100 and perscriptions they were 5/10/20). They do not pay for any vision, dental, or contraceptive. Certain (most) perscriptions are not covered. Is this similar to what everyone is paying, or should we start looking outside of his work for insurance?
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you don't say how many members make up your family but the coverage sounds reasonable and reasonably priced. remember that your group coverage is not underwritten on an individual basis but an individual policy will be. in other words, any pre-existing conditions will probably be excluded or the coverage not afforded at all. since you seem to be very familiar with all the co-pays and prescription benefits i'm going to assume that you and/or family members have pre-existing conditions. my advise is to stay with the group coverage. you may jump from the frying pan into the fire.
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