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Health Insurance Premiums and Deductibles.....

Posted on 12/12/18 at 9:53 am
Posted by Hammond Tiger Fan
Hammond
Member since Oct 2007
16210 posts
Posted on 12/12/18 at 9:53 am
I want to see has anyone's health plan actually improved for 2019.

My company had it's annual review this week to go over the changes in the company's Health Plan and it's getting worse and worse ever damn year. In 2018, my company had a high deductible health plan where:

Premiums = $233/month
Deductible = $8,000
Once deductible met, everything covered 100%
Company contributes $1,300 annually to HSA
Company cost = $1,898/month


For 2019, the changes are
Premiums = $169/month
Deductible = $10,000
Once deductible met, 30% co-insurance kicks in
Max out of pocket = $13,500
Company contributes $1,300 annually to HSA
Company cost = $1,370/month

We don't even feel like we can use the damn insurance b/c of the high arse deductible. How is this shite even affordable? The only thing it's good for is if you happen to get hospitalized for an extended amount of time. Outside of that it's basically useless. I feel like I'm just throwing money away. The deductible is getting so damn high, I'm considering getting Gap Health Insurance for my Regular Health Insurance which is insane that I have to even consider buying something like this. Ok, I needed to vent and get that of my chest.

/endrant

*edited to change monthly premiums because I was originally off with what I thought. I had to go look it up for actuals.
This post was edited on 12/12/18 at 10:19 am
Posted by Salmon
On the trails
Member since Feb 2008
83517 posts
Posted on 12/12/18 at 9:54 am to
quote:

I want to see has anyone's health plan actually improved for 2019.




increased by 18%

Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
25455 posts
Posted on 12/12/18 at 9:55 am to
Mines $50/month, $5k max OOP, $500 towards HSA that I max Jan 1
Posted by TechDawg2007
Bawville
Member since Nov 2007
32249 posts
Posted on 12/12/18 at 9:56 am to
quote:

Mines $50/month, $5k max OOP, $500 towards HSA that I max Jan 1
Must be nice to be single and have zero responsibility
Posted by Cump11b
Member since Sep 2018
2026 posts
Posted on 12/12/18 at 9:56 am to
quote:

I want to see has anyone's health plan actually improved for 2019.


Nope. For the PPO, our out of pocket maximum went up 2000K and the monthly premium went up 100 bucks more a month. Co-pays went from 40 bucks to 60 as well.
Posted by Harry Caray
Denial
Member since Aug 2009
18636 posts
Posted on 12/12/18 at 9:56 am to
quote:

We don't even feel like we can use the damn insurance b/c of the high arse deductible. How is this shite even affordable? The only thing it's good for is if you happen to get hospitalized for an extended amount of time. Outside of that it's basically useless. I feel like I'm just throwing money away. The deductible is getting so damn high, I'm considering getting Gap Health Insurance for my Regular Health Insurance which is insane that I have to even consider buying something like this. Ok, I needed to vent and get that of my chest.

Posted by GetCocky11
Calgary, AB
Member since Oct 2012
51236 posts
Posted on 12/12/18 at 9:56 am to
I haven't found out yet, but I am dreading it.
Posted by AUCE05
Member since Dec 2009
42557 posts
Posted on 12/12/18 at 9:58 am to
There is like a Christian healthcare network that gets great reviews and is cheaper.
Posted by Harry Caray
Denial
Member since Aug 2009
18636 posts
Posted on 12/12/18 at 10:00 am to
quote:

Premiums = $275/month
Deductible = $8,000
Once deductible met, everything covered 100%
Company contributes $1,300 annually to HSA

For 2019, the changes are
Premiums = $300/month
Deductible = $10,000
Once deductible met, 30% co-insurance kicks in
Max out of pocket = $13,500
Company contributes $1,300 annually to HSA
Anyone know the cheapest flight to Canada?
Posted by Federal Tiger
Connecticut
Member since Dec 2007
7937 posts
Posted on 12/12/18 at 10:01 am to
quote:

We don't even feel like we can use the damn insurance b/c of the high arse deductible. How is this shite even affordable? The only thing it's good for is if you happen to get hospitalized for an extended amount of time. Outside of that it's basically useless. I feel like I'm just throwing money away. The deductible is getting so damn high, I'm considering getting Gap Health Insurance for my Regular Health Insurance which is insane that I have to even consider buying something like this. Ok, I needed to vent and get that of my chest.


Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
25455 posts
Posted on 12/12/18 at 10:02 am to
quote:

Anyone know the cheapest flight to Canada?


So you csn pay 40% income tax?
Posted by EarlyCuyler3
Appalachia
Member since Nov 2017
27290 posts
Posted on 12/12/18 at 10:04 am to
It's basically a worst case scenario plan. Otherwise its worthless now. Bunch of goddamn thieves. There needs to be a special place in hell for any type of insurance people.
Posted by TH03
Mogadishu
Member since Dec 2008
171035 posts
Posted on 12/12/18 at 10:04 am to
Jesus your insurance sucks. My deductible is like $300 and I pay under $70 a month.
Posted by Salmon
On the trails
Member since Feb 2008
83517 posts
Posted on 12/12/18 at 10:05 am to
quote:

Mines $50/month, $5k max OOP, $500 towards HSA that I max Jan 1


oh to be single

our company offers a HSA for single employee that has no premium and that put $1500 a year in it

I cry a little when I read it every year
Posted by Federal Tiger
Connecticut
Member since Dec 2007
7937 posts
Posted on 12/12/18 at 10:05 am to
In Louisiana, Blue Cross is the only company writing polices for people who have to self insure. There's no competition.

Obama and his democratic buddies fricked this country.
Posted by TOSOV
Member since Jan 2016
8922 posts
Posted on 12/12/18 at 10:05 am to
Nope.

Thanks Obama for turning normal health insurance into what use to be considered cheaper high-deductible catastrophic insurance.

It was funny yesterday when Pelosi was talking about transparency I instantly thought of how shady the dems were when they pushed obama-care. Smfh
This post was edited on 12/12/18 at 10:07 am
Posted by TH03
Mogadishu
Member since Dec 2008
171035 posts
Posted on 12/12/18 at 10:06 am to
quote:

have zero responsibility


Says the guy bragging about his teacher schedule every day.

I’m married and my company won’t let us be on the same plan. So we each pay $65ish a month for the same coverage. $300 deductible, $3k max oop
Posted by Hammond Tiger Fan
Hammond
Member since Oct 2007
16210 posts
Posted on 12/12/18 at 10:08 am to
quote:

There is like a Christian healthcare network that gets great reviews and is cheaper.


Do you mind sharing more about this?
Posted by Wasp
Off Highland rd.
Member since Sep 2012
1483 posts
Posted on 12/12/18 at 10:08 am to
Is your employer on a small group or aso?

Also, would need to know employer contribution as well. They could just be increasing your share.
Posted by Mingo Was His NameO
Brooklyn
Member since Mar 2016
25455 posts
Posted on 12/12/18 at 10:10 am to
quote:

Do you mind sharing more about this?


Just Google it, I know quite a few people that use it. If you are self employed you damn near have to.
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