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What would you do? Get out of the Guard or stay in? (Health insurance question)
Posted on 12/5/12 at 7:22 pm
Posted on 12/5/12 at 7:22 pm
My health insurance is $52 a month and it's awesome since I'm in the guard. $1000 max out of pocket a year. My wife has her insurance covered by her employer (she doesn't love the job and will move at some point within the next 2 years) and I have single coverage.
The family rate (my wife and I plan to start having kids now and over the next few years) is $192 a month.
My employer insurance program would cost us $550 to $1100 a month. That depends on which plan we choose.
First, I absolutely hate the guard and can't wait to get out. I don't want to deploy again and if I stay in the required 20 years to draw insurance (I'll only have done 6) I will have to deploy again. I don't want to put my wife and future kids through that process.
I also hate missing football a weekend each month, I know that sounds stupid but I love watching football.
But...
I also don't want to drop around 1k a month for health insurance. Drill would also pay me about $250 a month for drill.
I'm set to get out in January of 2014. It's really not a big deal until we have kids or she moves to a different job.
The family rate (my wife and I plan to start having kids now and over the next few years) is $192 a month.
My employer insurance program would cost us $550 to $1100 a month. That depends on which plan we choose.
First, I absolutely hate the guard and can't wait to get out. I don't want to deploy again and if I stay in the required 20 years to draw insurance (I'll only have done 6) I will have to deploy again. I don't want to put my wife and future kids through that process.
I also hate missing football a weekend each month, I know that sounds stupid but I love watching football.
But...
I also don't want to drop around 1k a month for health insurance. Drill would also pay me about $250 a month for drill.
I'm set to get out in January of 2014. It's really not a big deal until we have kids or she moves to a different job.
This post was edited on 12/5/12 at 7:27 pm
8
Posted on 12/5/12 at 10:50 pm to wegotdatwood
Cost-Benefit analysis: Is the Guard worth additional $15k a year ($12,000 insurance and $3000 annual pay), to miss 4 of 12 games, and deploy again (aren't deployments being cut back?)
Posted on 12/5/12 at 11:10 pm to wegotdatwood
If Obamacare accomplishes one thing I hope it is to begin divorcing health insurance from employment. I know so many people who have been forced to make unfortunate career choices because of health insurance considerations who have lived to bitterly regret it.
Posted on 12/6/12 at 10:09 am to wegotdatwood
Can you get on the wife's plan?
I would get a single high deductible (5K) plan from BCBS to cover any major surgeries/accidents, as long as you are in good health. Keep your wife on her employer's plan.
I would get a single high deductible (5K) plan from BCBS to cover any major surgeries/accidents, as long as you are in good health. Keep your wife on her employer's plan.
Posted on 12/6/12 at 6:14 pm to wegotdatwood
quote:
My employer insurance program would cost us $550 to $1100 a month.
Unacceptably expensive. Most of my family are ex-military and have CHAMPUS insurance which is great. Do Guardsmen have this option?
Posted on 12/7/12 at 2:20 pm to wegotdatwood
I didn't realize it was so high. I just retired and I have Tricare Prime.
Posted on 12/8/12 at 9:29 pm to wegotdatwood
The Guard is not something you do for the money or benefits in my opinion. Do you want to continue to be in the Guard? It's a big commitment. Just my opinion. Follow your heart and talk it over with the family.
Posted on 12/9/12 at 12:03 pm to wegotdatwood
I have several friends in the NG.
It sucks. Those guys miss more shite the past years bc of some sort of activation or drill.
I'm not geared to be told where to be and what to do.
Whole lot of that going on in the national guard.
It sucks. Those guys miss more shite the past years bc of some sort of activation or drill.
I'm not geared to be told where to be and what to do.
Whole lot of that going on in the national guard.
Posted on 12/9/12 at 12:53 pm to wegotdatwood
It does sound like you have made up your mind. The military isn't for everyone. Without getting into an argument on how the Guard is and all, I will say this, the Guard is playing you instead of you playing the Guard. Too many people complain about it rather than change it. I could tell you exactly what to do, but you probably wouldn't do it. Thank you for your service though.
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