mul21 wrote:Sorry, new job is keeping me busy. I was paying like $190 per paycheck before and now I'm paying $86 per paycheck. I was in that middle ground being spoken of. I never go to the doctor but my daughter has a variety of medications and doctor visits that were costing me an arm and a leg until my ex had her new husband add my daughter to his insurance, which basically cost nothing since his son was already on his. I also don't have the option of a HDHP/HSA at the new job. This insurance is absolutely terrific, especially considering prescriptions are 100% covered if I can get my employer's meds.
Also, the negotiated rates between companies BCBS vs UHC for example, are pretty amazing. I previously went from paying $50 per PT visit on UHC to paying $110 per visit with BCBS with identical coverage/deductibles.
How is UHCs coverage? I've basically always had BCBS coverage and it's nice to basically never have to worry about in network vs out of network, but I've heard BCBS is more expensive..The "Cadillac of plans".. I'm sure due in large part to the vast coverage.
And that's kind of exactly my view on HSAs. They certainly aren't plans for everyone. Even with my family, I looked into whether I should add my wife to my plan to make a family plan once we had a kid, and even though it would have arguably been equal, based on how she uses her current coverage, she's probably still better off staying on her own coverage. I'm still a little unsure of what types of things employers are doing to incentive the HSAs that they are de facto the default, like Sammy is saying. If they put roughly the same gross money into the two options, it should just be more a matter of personal preference... So unless they're cutting back on what they contribute to PPOs?
Anyways I'm switching jobs in about 5 weeks. I got to negotiate with my current employer to cover my cobra while I have that gap, which is nice, but I have almost no idea what new plans I'm getting myself into (other than knowing they cover 70% and there are options) , but maybe I'll be ranting here soon.