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Started By
Message
Health insurance rate spike
Posted on 3/7/16 at 5:08 pm
Posted on 3/7/16 at 5:08 pm
Unfortunately beginning April 1, my family medical insurance plan with Aetna provided through my employer will go from $650/month to $1400/month.
They offered a few options that were slightly cheaper but they had outrageous deductibles and out of pocket payment for doctors visits and prescriptions. With a 2 year old and a newborn I dont think that would be wise.
Should I talk to a local broker to get quotes for going out on my own and getting insurance?
Still in shock at this $700+ increase per month.
My wifes situation would nearly mirror this one, so switching to hers is pointless.
Just looking for any suggestions
They offered a few options that were slightly cheaper but they had outrageous deductibles and out of pocket payment for doctors visits and prescriptions. With a 2 year old and a newborn I dont think that would be wise.
Should I talk to a local broker to get quotes for going out on my own and getting insurance?
Still in shock at this $700+ increase per month.
My wifes situation would nearly mirror this one, so switching to hers is pointless.
Just looking for any suggestions
14
Posted on 3/7/16 at 5:22 pm to Polar Pop
Define outrageous deductibles.
Posted on 3/7/16 at 5:32 pm to Polar Pop
Is your company not paying for it or something? I'd definitely look in to switching. My wife, 2 kids and myself are on a plan with Vantage that has office and prescription copays and a $4,000 deductible and it's under $1,000/month, which is still outrageous, but a better deal that BCBSLA, which was a $6,600 deductible HSA plan with no copays for $1,126/month.
Posted on 3/7/16 at 5:59 pm to Polar Pop
You may qualify for special enrollment through the marketplace and get a subsidy to offset the costs.
Look into it.
Look into it.
Posted on 3/7/16 at 5:59 pm to Smalls
quote:
Define outrageous deductibles
Current: 2500/7500
Next (Not too bad): 3500/10500
Third (crazy) 6450/12900
GUMBO - If they are paying anything it must be about 5% or so.
Posted on 3/7/16 at 6:22 pm to mahdragonz
quote:
You may qualify for special enrollment through the marketplace and get a subsidy
Thanks for the suggestion. I looked into the marketplace but did not meet the income requirements
Posted on 3/7/16 at 6:56 pm to Polar Pop
quote:
Still in shock at this $700+ increase per month.
How does anyone afford this? Maybe I'm naive because I've never made any real money, but if my health insurance suddenly spiked $700 per month, my family would be on the street.
Posted on 3/7/16 at 7:06 pm to Polar Pop
We pay $523 a month.
My wife, child, and I have a $3,500 deductible with a $12,000 out of pocket maximum a year.
Doctor visits are $25
Specialist visits are $40
ER is $150 unless admitted over night
90/10
Is that good or about average?
My wife, child, and I have a $3,500 deductible with a $12,000 out of pocket maximum a year.
Doctor visits are $25
Specialist visits are $40
ER is $150 unless admitted over night
90/10
Is that good or about average?
Posted on 3/7/16 at 7:09 pm to poops_at_parties
quote:
My wife, child, and I have a $3,500 deductible with a $12,000 out of pocket maximum a year.
Question - What would you pay if you had another baby?
Posted on 3/7/16 at 7:11 pm to StringedInstruments
I believe it would stay the same. We're on her employer's family plan and if I'm not mistaken, that's the max. We could have a Duggar-esque number of kids and it would be the same.
I think.
ETA: I'm dumb. The above is in reference to premium. I think with another kid the OOP max goes to $15,000.
I think.
ETA: I'm dumb. The above is in reference to premium. I think with another kid the OOP max goes to $15,000.
This post was edited on 3/7/16 at 7:13 pm
Posted on 3/7/16 at 7:12 pm to poops_at_parties
quote:
I believe it would stay the same. We're on her employer's family plan and if I'm not mistaken, that's the max. We could have a Duggar-esque number of kids and it would be the same.
I think.
Sorry I should have been more specific.
If you had a kid, would you owe your deductible? If there was a complication, would you be looking at a $12k bill?
This post was edited on 3/7/16 at 7:13 pm
Posted on 3/7/16 at 7:16 pm to StringedInstruments
We would pay 10% up to our deductible. After that we would pay the remaining $8,500. I'm pissed now that I'm thinking of this. frick you for asking 
Posted on 3/7/16 at 7:23 pm to Polar Pop
Welcome to the new normal. Just keep that old pickup an extra decade or two.
Posted on 3/7/16 at 7:46 pm to Polar Pop
Why are you surprised that Obamacare is a damn joke?? Aetna is garbage. My company switched to them. Check out BCBS. Might be a little cheaper depending on what plan you want.
Posted on 3/7/16 at 7:50 pm to poops_at_parties
523 a month??? That's great compared to most i work with. Most for a family PPO PLAN are paying 1000 to 1100 a month premium.
Posted on 3/7/16 at 7:55 pm to Polar Pop
That is insane, I couldn't imagine my health insurance spiking that much.
Thanks for making me feel better about my plan
Sorry for your misfortune.
Thanks for making me feel better about my plan
Sorry for your misfortune.
Posted on 3/7/16 at 7:56 pm to LSUGUMBO
Do you have the bluesaver hsa?
Posted on 3/7/16 at 9:18 pm to Polar Pop
That is an insane jump. What size company do you work for? What does the company contribute? Are you moving from a grandfathered plan to an ACA plan? What are your co-workers saying? Did the benefits get richer?
Posted on 3/7/16 at 9:46 pm to LSUFanHouston
quote:
That is an insane jump. What size company do you work for? What does the company contribute? Are you moving from a grandfathered plan to an ACA plan? What are your co-workers saying? Did the benefits get richer?
Mid size private O&G manufacturing and sales company.
At the moment I am not sure what the company contributes. A few months ago they made us start paying 100% vision and dental which went from $27 to $90/month.
On the conference call the broker said "Ive got good news and bad news. The good news is that yall filed a lot of claims. The bad news is that yall filed a lot of claims, and with that usually comes a rate increase". Im sure it has something to do with our business damn near coming to a halt also due to the oil decline.
Co workers are pissed. Some will have to quit, they will not be able to afford to work there anymore.
Benefits stayed the exact same
Posted on 3/7/16 at 10:06 pm to Polar Pop
Ya, I wonder how much of that is a true premium increase, and how much of that is the business cutting back on their contribution.
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