I don't know if you get insurance through your employer or if you pay for it. But answer me this question if you know. What do you think it cost for insurance from Blue Cross (including dental) for a family of four?
I'm the Blue Cross administrator for my company (in Idaho). I have found that most people have no idea...
$7k a year?
It's my uninformed guess that the bill would be around $1,000 to $1,250 per month if paid for out of pocket. If paid for through a business plan, it would probably cost the insured around $200-$250 per month, and the employer another $200-$250. I don't know what the total bill would be under a business group plan, so these are my estimates.
I realize this places a burden on the business. I also realize it has become part of the employment package to privide such coverages. General wages don't go up much these days. In lieu of that employees get some increased pay through rising insurance costs. Emplyees share a part of this burden in most instances, and take home wages actually shrink each year.
Without my swapping out jobs several times, my real wages would have declined significantly since 1990. In the 1990s staff wages were frozen for seven years at the medical center where I was employed. During that time our insurance costs went up significantly.
Sorry, I missed your dental rider. I would tag that at about another $75 to $100 per month out of pocket for the employee.