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Thread: Health Insurance........WTF!

  1. #101
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    Because you are still banking against a risk, the major medical expense, it just covers a lot more than major expenses. If all people needed to be concerned about was paying for regular visits and such, health insurance wouldn't make sense.

  • #102
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    It makes sense to ensure yourself against catastrophic, lower probability risk. Insuring yourself against predictable expenses makes little sense for most people.

  • #103
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    Exactly.

    If without insurance you have annual dental cleanings and physical well checks that come to $500/year
    Regular allergy prescription that is $500/year
    Total predictable medical expenses = $1000

    How much do you think the Insurance company charges you in advance for those services?

  • #104
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    I was shocked at how much some procedures cost in the US. When we had our daughter earlier this year, the total bill from the hospital was $65K. We "only" paid ~$3K, and the rest was all paid by the insurance. But holy $#@!... not sure what we would have done w/o insurance.

  • #105
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    A better question is what it would cost if nobody had insurance.

  • #106
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    I pay about $50 a month. $1000 deductable, and something like $2000 out of pocket max. This thread makes me appreciate my employer's provided health insurance.

  • #107
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    Quote Originally Posted by bozo_casanova View Post
    It makes sense to ensure yourself against catastrophic, lower probability risk. Insuring yourself against predictable expenses makes little sense for most people.
    Agree 100%. One of the main things I dislike about our system.

  • #108
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    Quote Originally Posted by JohnnyM View Post
    My plan is through the Texas Bar Member Benefits exchange, but this is exactly what happened to me.
    Don't get me started on the Texas Bar. Why they don't have the membership be a group for purchasing health insurance is beyond me.

  • #109
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    Bump.

    Open enrollment started this week. My plan options didn't change and neither did the price. BUT, there is a new plan that I'm tempted to get. Any feedback on whether I'm thinking about this the right way? This is for my wife, kid, and I.

    Current plan: Blue Shield PPO 500

    Calendar year deductible
    Per person $500
    Per family $1,000

    Max out of pocket
    Per person $3,500
    Per family $7,000

    Office Visit
    Per visit (copay) $25

    Hospital inpatient
    (covered after deductible) 90%

    Emergency room
    (covered after deductible) 90%

    My cost per month $904.50


    vs the new plan
    Blue Shied PPO 700

    Calendar year deductible
    Per person $700
    Per family $1,400

    Max out of pocket
    Per person $4,000
    Per family $8,000

    Office Visit
    Per visit (copay) $30

    Hospital inpatient
    (covered after deductible) 80%

    Emergency room
    (covered after deductible) 80%

    My cost per month $786.60

    ---

    So, for only $200/yr more in deductible and only $500/yr more in Max Out of Pocket (which includes deductible) I can save $117.9/mo ($1,414.80/yr).

    Is that right? The fact that only 80% of hospital or emergency rooms visits are covered vs 90% of the current plan was a bit scary at first, but if the max out of pocket difference is only $500, I figure I'll hit the max on either plan if we ever go to the hospital to begin with, given the high costs of hospital visits.

    Am I missing something?

  • #110
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    Do you not have an HDHP option?

  • #111
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    i would jump on either of those plans in a heartbeat compared to what is showing up for me.

  • #112
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    That looks way better than my options at through work. I pay around 1k/mo and my deductibles are $2600/$5200 with max out of pocket $5200/$10400. I was in the hospital recently and racked up a cool 300k in bills and due to the way they bill stuff have now hit my $5200 family deductible and my max out of pocket as well. Fun stuff.

  • #113
    asshat justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit might be a clever chap. or know the right people. know what i mean, nudge nudge? justhookit's Avatar
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    My piece of crap BCBS HMO plan is going up 54%. Two other people I know had their plans jump by a similar amount. Oh, and they dropped CVS pharmacy. All these are through the exchange, I'm self employed.

  • #114
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    Quote Originally Posted by bozo_casanova View Post
    Do you not have an HDHP option?
    Should always be the first question, although with kiddos the calculus may be a little different depending on how much utilization they are anticipated to have or how much risk you are willing to take on. We've racked up an inpatient admission a year over the last few due to respiratory stuff. Fortunately my kids are on my wifes copay based plan.

  • #115
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    Quote Originally Posted by bozo_casanova View Post
    Do you not have an HDHP option?
    Yep, BS-CA HDHD 2600 CA for $626/mo (my cost).

    But it's $2,600 (individual) / $5,200 (family) deductible with $5,000/$10,000 max out of pocket.

    If it were just my wife and I it would be great, but with a toddler... I'm worried I'd be out the deductible (or close to it) every year. Not sure if the math works out.

    We've only had to go to the emergency room once (kid is 16 months), but my friends/coworkers with kids say that they average 2 visits per year per kid while they are young (not sure if true).
    Last edited by LongIslandIceSIP; 11-02-2016 at 02:07 PM.

  • #116
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    Quote Originally Posted by LongIslandIceSIP View Post
    Bump.

    Open enrollment started this week. My plan options didn't change and neither did the price. BUT, there is a new plan that I'm tempted to get. Any feedback on whether I'm thinking about this the right way? This is for my wife, kid, and I.

    Current plan: Blue Shield PPO 500

    Calendar year deductible
    Per person $500
    Per family $1,000

    Max out of pocket
    Per person $3,500
    Per family $7,000

    Office Visit
    Per visit (copay) $25

    Hospital inpatient
    (covered after deductible) 90%

    Emergency room
    (covered after deductible) 90%

    My cost per month $904.50


    vs the new plan
    Blue Shied PPO 700

    Calendar year deductible
    Per person $700
    Per family $1,400

    Max out of pocket
    Per person $4,000
    Per family $8,000

    Office Visit
    Per visit (copay) $30

    Hospital inpatient
    (covered after deductible) 80%

    Emergency room
    (covered after deductible) 80%

    My cost per month $786.60

    ---

    So, for only $200/yr more in deductible and only $500/yr more in Max Out of Pocket (which includes deductible) I can save $117.9/mo ($1,414.80/yr).

    Is that right? The fact that only 80% of hospital or emergency rooms visits are covered vs 90% of the current plan was a bit scary at first, but if the max out of pocket difference is only $500, I figure I'll hit the max on either plan if we ever go to the hospital to begin with, given the high costs of hospital visits.

    Am I missing something?
    holy $#@!, and i thought mine was bad. i have the Cigna PPO 500 plan with similar deductibles and out of pockets, and i cover my 4 kids and I (spouse has her own plan) and i pay $128 every two weeks.

    we haven't gotten 2017 enrollment numbers yet

  • #117
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    Quote Originally Posted by El Tri View Post
    holy $#@!, and i thought mine was bad. i have the Cigna PPO 500 plan with similar deductibles and out of pockets, and i cover my 4 kids and I (spouse has her own plan) and i pay $128 every two weeks.

    we haven't gotten 2017 enrollment numbers yet
    $#@! dude, $128/pay period is a steal. I paid more to just cover myself before I got married.

    I'm on the "family" plan now, which covers myself, my wife, and any number of kids... but I only have 1 kid so I'm getting lower ROI ;)

  • #118
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    Is it 128 per week? Anything less frequent and it's practically free for a family plan.

    Mine is 600 a month for whole family, something like 3000/5000 deductible.

  • #119
    Looking at this during enrollment for first time as an employee but now on a non-subsidized basis due to promotion. Insurance is with BCBS. HDHP with $1500 individual and $3000 family deductible for family of 3 (and $4,000 individual maximum, $8,000 family maximum) is a whopping $1,754 per month. For $1,599/month could increase deductibles to $2,500/$5,000 and out of pocket max to $5,000/$10,000.

    Should I be able to beat this in the open market vs. employer (again, this is on a non-subsidized basis)?

  • #120
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    Quote Originally Posted by Duck of Death View Post
    Is it 128 per week? Anything less frequent and it's practically free for a family plan.

    Mine is 600 a month for whole family, something like 3000/5000 deductible.
    Nope it's $128 every two weeks. I pay around $320 after dental and vision per month for myself and 4 kids. Wife has her own plan with the school district.



  • #121
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    F me, looks like I'm being forced into HMO plan, hate the idea of it so much.

  • #122
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    Quote Originally Posted by LongIslandIceSIP View Post
    but my friends/coworkers with kids say that they average 2 visits per year per kid while they are young (not sure if true).
    WTF? Are they taking them to the ER for a cold?

  • #123
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    Quote Originally Posted by The Lake Worth Monster View Post
    WTF? Are they taking them to the ER for a cold?
    ER or after hours/weekend clinic. Basically 2-3 "urgent" visits to a doc (and by urgent they mean anything that can't wait until their regular doctor can see them) per year.

    Is that way off?

  • #124
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    That seems way off to me. I've taken my kid to 1 ER trip in 5 years when kid split noggin open on a Sunday afternoon. Do you have "urgent care" (not ER care) clinics in CA? Kind of like a doc in the box you can take your kid to for $100 - $200 on the weekend if a fever or something is bothering the kiddo?
    Last edited by The Lake Worth Monster; 11-02-2016 at 04:20 PM. Reason: yesyes

  • #125
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    Quote Originally Posted by The Lake Worth Monster View Post
    That seems way off to me. I've taken my kid to 1 ER trip in 5 years when kid split noggin open on a Sunday afternoon. Do you have "urgent care" (not ER care) clinics in CA? Kind of like a doc in the box you can take your kid to for $100 - $200 on the weekend if a fever or something is bothering the kiddo?
    Yeah there's a big difference between "urgent care" and "emergency care". If it says "emergency" on it, you're gonna pay emergency room prices.

  • #126
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    Quote Originally Posted by judge roybeanbag View Post
    Yeah there's a big difference between "urgent care" and "emergency care". If it says "emergency" on it, you're gonna pay emergency room prices.

  • #127
    asshat hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns's Avatar
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    There's things like the HEB Ready-Clinic and the Walgreen's whatever they call it that save my ass. Typically about $30-40 at most copay to see a nurse practitioner that can prescribe whatever is needed to cure what ails you. The only time I've been to the ER was when I got a nasty gash on my nose while drunk at a party at midnight on a Saturday. After insurance, it was like $600 to see a nurse practitioner in the ER that put 11 stitches in my nose.

  • #128
    asshat hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns might be a clever chap. or know the right people. know what i mean, nudge nudge? hopkinsnhorns's Avatar
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    Quote Originally Posted by Blain View Post
    Is that Laura Ingles hispanic cousin?

  • #129
    White Mexican LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP's Avatar
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    Quote Originally Posted by The Lake Worth Monster View Post
    That seems way off to me. I've taken my kid to 1 ER trip in 5 years when kid split noggin open on a Sunday afternoon. Do you have "urgent care" (not ER care) clinics in CA? Kind of like a doc in the box you can take your kid to for $100 - $200 on the weekend if a fever or something is bothering the kiddo?
    Quote Originally Posted by judge roybeanbag View Post
    Yeah there's a big difference between "urgent care" and "emergency care". If it says "emergency" on it, you're gonna pay emergency room prices.
    Sure, I get this. But even for urgent care it was $600 per visit the one time I used it. (I guess emergency care would have been 2-3x that). But my coworker's point was that at 2-3 urgent/emergency care visits per year isn't all that uncommon with young kids.

  • #130
    asshat The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster's Avatar
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    Quote Originally Posted by LongIslandIceSIP View Post
    But my coworker's point was that at 2-3 urgent/emergency care visits per year isn't all that uncommon with young kids.
    I'd say 2/3 urgent care type situations isn't uncommon but we typically get in and out around $100 per visit. $600 is crazy high assuming it was something minor in my neck of the woods though overhead is likely a bit different than in SF.
    Last edited by The Lake Worth Monster; 11-02-2016 at 05:26 PM. Reason: 1234

  • #131
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    Man I must be lucky , I don't have to pay any premiums for myself or kid, if i were to add wife it's 50 month

  • #132
    Cowboys and Texans fan ! tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt probably preboards planes tx 3 putt's Avatar
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    what kind of companies / industries do you work in ?


    im just curious because some of these benefits seem whack

  • #133
    We had our enrollment meeting today. Mine went up 15% so I'm paying about 115 bucks a month. Company covers the bulk of it since we work in some high risks environment. As far as coverage for families it went up almost 40 percent. We had some pretty pissed off co-workers who took the rest of the day off.

  • #134
    Quote Originally Posted by tx 3 putt View Post
    what kind of companies / industries do you work in ?


    im just curious because some of these benefits seem whack
    I'm in oil and gas. We do heater/pipeline inspections so it's a lot of time in refineries.

  • #135
    asshat jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge? jofus might be a clever chap. or know the right people. know what i mean, nudge nudge?
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    The rates I'm seeing for my family could have bought me a second house. I didn't buy a second house because I can't afford it, and I can't afford these rates. My options are very limited. Not a plan <$1200.

  • #136
    Quote Originally Posted by LongIslandIceSIP View Post
    Bump.

    Open enrollment started this week. My plan options didn't change and neither did the price. BUT, there is a new plan that I'm tempted to get. Any feedback on whether I'm thinking about this the right way? This is for my wife, kid, and I.

    Current plan: Blue Shield PPO 500

    Calendar year deductible
    Per person $500
    Per family $1,000

    Max out of pocket
    Per person $3,500
    Per family $7,000

    Office Visit
    Per visit (copay) $25

    Hospital inpatient
    (covered after deductible) 90%

    Emergency room
    (covered after deductible) 90%

    My cost per month $904.50


    vs the new plan
    Blue Shied PPO 700

    Calendar year deductible
    Per person $700
    Per family $1,400

    Max out of pocket
    Per person $4,000
    Per family $8,000

    Office Visit
    Per visit (copay) $30

    Hospital inpatient
    (covered after deductible) 80%

    Emergency room
    (covered after deductible) 80%

    My cost per month $786.60

    ---

    So, for only $200/yr more in deductible and only $500/yr more in Max Out of Pocket (which includes deductible) I can save $117.9/mo ($1,414.80/yr).

    Is that right? The fact that only 80% of hospital or emergency rooms visits are covered vs 90% of the current plan was a bit scary at first, but if the max out of pocket difference is only $500, I figure I'll hit the max on either plan if we ever go to the hospital to begin with, given the high costs of hospital visits.

    Am I missing something?
    The cheaper plan is the way to go.

    Still a lower deductible and Out of pocket max than probably 75% of plans out there. Do the math. The likelihood that you are going to hit a max out of pocket (or even your deductible) in a calendar year is very low. Pocket the $120 a month and put it in a savings account for worst case scenario. Or if you already have a decent sized rainy day fund, add the difference to your company 401k or other investment.

  • #137
    White Mexican LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP's Avatar
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    good advice, thanks all!

  • #138
    asshat The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster's Avatar
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    Quote Originally Posted by JimmyHoffa View Post
    The likelihood that you are going to hit a max out of pocket (or even your deductible) in a calendar year is very low.
    My family found a way to hit the five figure out of pocket max this year.

  • #139
    Quote Originally Posted by Chingon View Post
    Took both kids to the Dr. in early spring with fever and wheezing from their chest. 35 dollar copay for each, both were seen at the same time in the same room. Insurance does not cover diagnostics until we hit the deductible of 3K each so after strep test, chest exrays, ear test thingy my bill for each kid was 580. Ive had kids long enough to know that all they really needed was antibiotics and some musnex but they treat penicillin like $#@!ing schedule 2 narcotics. 1200 dollars because they wouldnt prescribe antibiotics over the phone.

    To make matters worse they charged 60 dollars for the strep test, available at walgreens for 25. 250 for exrays, I paid 100 out of pocket no insurance for exrays on my wifes back and elbow when she went to a chiropractor. About 250 to test the ears, not even sure that $#@! was legit. I mention all this and the response from the Dr office and the insurance is that those are the negotiated rates. Thats some $#@!ty negotiating.
    I know this is an old post, but I can't help but respond.

    I've seen probably 1000 kids with fever and wheezing together in siblings. Out of those 1000 patients, antibiotics might be helpful in maybe 20 of those patients. So I don't agree with you that "all they needed" was an antibiotic. Antibiotics are most likely going to make your kids worse in that situation because in addition to fever and wheezing they will also develop diarrhea from the antibiotics.

    Rule #1 of pediatrics: If multiple people in the family are sick at the same time with the same symptoms, the chances of it being a viral infection are about 99%. Viral infections don't respond to antibiotics and it's a complete waste of time to prescribe them for that situation.

  • #140
    asshat GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB might be a clever chap. or know the right people. know what i mean, nudge nudge? GottaB's Avatar
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    Just as a reference point, a visit to a stand alone ED for stitches cost $2400. It happened after the urgent care clinics were closed for the night.

  • #141
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    Quote Originally Posted by The Lake Worth Monster View Post
    My family found a way to hit the five figure out of pocket max this year.
    Isn't it comforting to know that your family's healthcare is free until January?

  • #142
    asshat The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster Shaggy Silver Club The Lake Worth Monster's Avatar
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    Somebody damn well better get sick or break a bone.

  • #143
    Quote Originally Posted by The Lake Worth Monster View Post
    My family found a way to hit the five figure out of pocket max this year.

    Sorry to hear that but my point is still correct. Unless someone has a significant illness where they will be in the hospital multiple times over multiple years saving the premium money and getting the higher out of pocket max plan is the better deal long term.

  • #144
    Duke of New York (Exiled) Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97 Shaggy Silver Club Hellraiser97's Avatar
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    Quote Originally Posted by El Tri View Post
    Nope it's $128 every two weeks. I pay around $320 after dental and vision per month for myself and 4 kids. Wife has her own plan with the school district.


    This is an employer plan right? So your employer is paying part of it, because I don't see anything remotely close to that on Cigna's website The Cigna PPO 500 plan doesn't show up at all for buying yourself.

  • #145
    Quote Originally Posted by LongIslandIceSIP View Post
    Sure, I get this. But even for urgent care it was $600 per visit the one time I used it. (I guess emergency care would have been 2-3x that). But my coworker's point was that at 2-3 urgent/emergency care visits per year isn't all that uncommon with young kids.
    There's an urgent care ( St David's) that an ER lite and it's at near ER prices. Went to the one in Circle C once and didn't know that until I was already in the room.

  • #146
    asshat Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian is probably pretty witty. or good at photoshop. or porn. Xian's Avatar
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    Ugh. Everything is so $#@!ing expensive

  • #147
    asshat El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri Shaggy Bronze Club El Tri's Avatar
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    Quote Originally Posted by Hellraiser97 View Post
    This is an employer plan right? So your employer is paying part of it, because I don't see anything remotely close to that on Cigna's website The Cigna PPO 500 plan doesn't show up at all for buying yourself.
    yes it is, but LongIsland's cost was by his employer as well as I understand. Several other people also mentioned high costs through their employers. hookem4 mentioned paying $1k/month through his employer, and skipper $1700/month. $#@! that. I would never consider working for an employer where they don't pick up the majority of my healthcare premiums

  • #148
    White Mexican LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP has a gigantic e-peen. LongIslandIceSIP's Avatar
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    Quote Originally Posted by El Tri View Post
    yes it is, but LongIsland's cost was by his employer as well as I understand. Several other people also mentioned high costs through their employers. hookem4 mentioned paying $1k/month through his employer, and skipper $1700/month. $#@! that. I would never consider working for an employer where they don't pick up the majority of my healthcare premiums
    Yep, my employer pays 80% of my plan and 50% of my family plan.

  • #149
    asshat bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova Shaggy Gold Club bozo_casanova's Avatar
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    Quote Originally Posted by LongIslandIceSIP View Post
    Yep, BS-CA HDHD 2600 CA for $626/mo (my cost).

    But it's $2,600 (individual) / $5,200 (family) deductible with $5,000/$10,000 max out of pocket.

    If it were just my wife and I it would be great, but with a toddler... I'm worried I'd be out the deductible (or close to it) every year. Not sure if the math works out.

    We've only had to go to the emergency room once (kid is 16 months), but my friends/coworkers with kids say that they average 2 visits per year per kid while they are young (not sure if true).
    Mine is close to that. I've pencilled it out once, and sorry to say I've tested my numbers by hitting the max twice since then with my kids - PM me if you need help but the bottom line is that if I maxed out the HSA (and you should if you can) the tax advantages still made it a better deal than the PPO.

    It's really a question of whether you need to finance routine care. If you don't, HDHP with HSA is usually a better deal.

    Relevant details to consider in estimation
    -coinsurance (optimally this is zero after deductible)
    -whether the family deductible is aggregate or embedded
    -Employer match on HSA contribution, because that's free money
    Last edited by bozo_casanova; 11-04-2016 at 03:21 PM.

  • #150
    whoever's comparing employer-sponsored and subsidized plans without taking into account how much your employer is paying isn't comparing anything worthwhile to everyone else's plans.

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