Comments on: Time to pick a health care plan http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/ An honest look at family finances Tue, 16 Mar 2010 17:09:10 +0000 http://wordpress.org/?v=2.5.1 By: Budgets are Sexy http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2585 Budgets are Sexy Fri, 14 Nov 2008 16:11:19 +0000 http://wideopenwallet.com/?p=286#comment-2585 yeah man, all that stuff is TRICKY tricky! it's hard sometimes to figure out what the *best* plan is before stuff happens....but i think you're on the right track :) Our company only has 1 plan, and it covers a lot (although not sure what exactly, but i will soon after our latest ER visit). it's 100% free for us (co. pays in full), so def. no complaints at all....i'm just hoping it covers alot! yeah man, all that stuff is TRICKY tricky! it’s hard sometimes to figure out what the *best* plan is before stuff happens….but i think you’re on the right track :)

Our company only has 1 plan, and it covers a lot (although not sure what exactly, but i will soon after our latest ER visit). it’s 100% free for us (co. pays in full), so def. no complaints at all….i’m just hoping it covers alot!

]]> By: lawschoolmom http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2579 lawschoolmom Fri, 14 Nov 2008 14:30:41 +0000 http://wideopenwallet.com/?p=286#comment-2579 I just re-read my post and instead of "family health, medical, and dental" it should have read "family medical, vision, and dental." I just re-read my post and instead of “family health, medical, and dental” it should have read “family medical, vision, and dental.”

]]> By: Cindy http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2578 Cindy Fri, 14 Nov 2008 14:11:27 +0000 http://wideopenwallet.com/?p=286#comment-2578 I find it interesting to see what others are paying for health insurance. Our options weren't as nice as what we have now and the top plan available for next year, cost more but gave less coverage. We are taking a bit of a gamble and taking the middle option for 2009. Our cost per week will be $15 less than this year so we're going to put $20 a week in a HSA. Starting next year, our health insurance will be $60/month for a family of 6. There's a $500 individual/$1500 family deductible. 80% company/20% member coinsurance, $25 pcp/$45 specialist copay, and prescriptions are a 4-tier plan with generics $5 (the one thing better than the 2008 plan). Our annual out of pocket maximum is $2500 individual/$7500 family. Routine preventive care is covered 100% after the copay. We also have dental and vision coverage for $8 more a month. I find it interesting to see what others are paying for health insurance. Our options weren’t as nice as what we have now and the top plan available for next year, cost more but gave less coverage. We are taking a bit of a gamble and taking the middle option for 2009. Our cost per week will be $15 less than this year so we’re going to put $20 a week in a HSA. Starting next year, our health insurance will be $60/month for a family of 6. There’s a $500 individual/$1500 family deductible. 80% company/20% member coinsurance, $25 pcp/$45 specialist copay, and prescriptions are a 4-tier plan with generics $5 (the one thing better than the 2008 plan). Our annual out of pocket maximum is $2500 individual/$7500 family. Routine preventive care is covered 100% after the copay. We also have dental and vision coverage for $8 more a month.

]]> By: Kristy http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2567 Kristy Fri, 14 Nov 2008 10:44:48 +0000 http://wideopenwallet.com/?p=286#comment-2567 We have a high deductible HSA. We pay $380 per month, have a $20 copay and a $2,400 deductible for the family. Once we hit the deductible everything is covered 100%. Things like well-check visits are covered per the plan. A copay for specialists is $30. We also put $100 per paycheck into the Health Savings Account. I want to add that this is a huge step up from previous years, I know it sounds high to some, however, before the high deductible plans came out we were paying $1200 per month for health care coverage. So even if we hit the deductible on this plan we are still saving money. I work for an industry that doesn't typically contribute to health insurance, but my company pays $250 a month towards ours, not much but still something. Dh works for an even smaller company with no health care insurance. Sure we could switch jobs/careers but we probably wouldn't make as much money so this is the health insurance that we have. We have a high deductible HSA. We pay $380 per month, have a $20 copay and a $2,400 deductible for the family. Once we hit the deductible everything is covered 100%. Things like well-check visits are covered per the plan. A copay for specialists is $30. We also put $100 per paycheck into the Health Savings Account.

I want to add that this is a huge step up from previous years, I know it sounds high to some, however, before the high deductible plans came out we were paying $1200 per month for health care coverage. So even if we hit the deductible on this plan we are still saving money. I work for an industry that doesn’t typically contribute to health insurance, but my company pays $250 a month towards ours, not much but still something. Dh works for an even smaller company with no health care insurance. Sure we could switch jobs/careers but we probably wouldn’t make as much money so this is the health insurance that we have.

]]> By: lawschoolmom http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2559 lawschoolmom Thu, 13 Nov 2008 23:59:16 +0000 http://wideopenwallet.com/?p=286#comment-2559 We pay $75/mo. ($37.50/paycheck) for family health, medical, and dental coverage. We are a family of five so I think we have a great deal. For the health plan, routine office visits and immunizations are 100% covered after we pay a $25 copay. Same coverage for specialist visits but the copay is $30. The plan then pays 90% of everything else after our annual deductible is met. The deductible is $100 per person/$400 family. The 10% we pay is capped at $1000 per person/$3000 family so once we meet those maximums the health plan pays 100% for the remainder of the calendar year. There is no maximum lifetime benefit on how much they will pay. Prescriptions are $10 - $50. If we had opted for the High Deductible Plan ($1400pp/$2800 family), then there would be no monthly premium. We pay $75/mo. ($37.50/paycheck) for family health, medical, and dental coverage. We are a family of five so I think we have a great deal.

For the health plan, routine office visits and immunizations are 100% covered after we pay a $25 copay. Same coverage for specialist visits but the copay is $30. The plan then pays 90% of everything else after our annual deductible is met. The deductible is $100 per person/$400 family.

The 10% we pay is capped at $1000 per person/$3000 family so once we meet those maximums the health plan pays 100% for the remainder of the calendar year. There is no maximum lifetime benefit on how much they will pay. Prescriptions are $10 - $50.

If we had opted for the High Deductible Plan ($1400pp/$2800 family), then there would be no monthly premium.

]]> By: Slinky http://wideopenwallet.com/2008/11/time-to-pick-a-health-care-plan/#comment-2558 Slinky Thu, 13 Nov 2008 21:39:11 +0000 http://wideopenwallet.com/?p=286#comment-2558 My plan covers preventive care and pays 80% of emergency sorts of care. Things like prescriptions and ear infections visits are paid for out of an HSA, deductible is $1250, max out of pocket is $5500 - cost per paycheck $3. I took the amount I used to pay, subtracted the cost of health and dental insurance and throw the rest in to the HSA. Very nice for someone who typically goes to the doctor every other year or so. My plan covers preventive care and pays 80% of emergency sorts of care. Things like prescriptions and ear infections visits are paid for out of an HSA, deductible is $1250, max out of pocket is $5500 - cost per paycheck $3. I took the amount I used to pay, subtracted the cost of health and dental insurance and throw the rest in to the HSA. Very nice for someone who typically goes to the doctor every other year or so.

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