Chevy Trailblazer SS Forum banner

1 - 20 of 28 Posts

·
Premium Member
Bet you cant tell
Joined
·
6,480 Posts
Discussion Starter #1 (Edited)
So my company recently had a class on the new plans they are using now with the rise in insurance costs. I now have to pay an extra $200 a month for the same plan i had before or i can pay $20 less a month for a different plan (HSA) with a deductable that must be reached before everything is covered under the policy ( $4000 ).

Anyone else going through this BS??? :yuck:
 

·
Premium Member
2006 Red Jewel AWD
Joined
·
11,641 Posts
Mine (individual) went up $130.00/month for the same HMO plan I was on last year...I rarely ever use my insurance! FML!
 

·
Premium Member
Bet you cant tell
Joined
·
6,480 Posts
Discussion Starter #4
My company will pay $1000 into the HSA policy so i guess thats ok but i have meds i take that cost $3000 a month and i def cannot afford to pay that even one time.
 

·
The one and only JJ
Joined
·
14,071 Posts
Evil u r on the HOMO PLAN?

My guys have it made as we pay their Insurance. They sometimes don't realize how well they have it lol.
 

·
Premium Member
07,09 -3SS- Blk,Slv
Joined
·
5,400 Posts
We have a few choices at our company, but they all went up this year.
 

·
Banned
Joined
·
18,856 Posts
Not to pry Barry, but what are you on that runs $3K a month....there isnt much out there in that range.

But on an HSA, you still get the Insurance companies Agreed to pricing with medical providers, so you pay what they would have paid. FOr Example, if a DOctors office visit is $100 for walk in people, and Anthem(picked at random as provider) has contractually agredd to $45 for an Office visit payment.....you only pay $45.

HSA is also nice once you get it built up if you dont do a lot of doctors visits, and is Pre tax deducted from your pay lowering your overall tax paid out. Unfortunately , with the high deductable they make you pay, most will never meet it and their insurance becomes more of an "Catastrophe" type insurance in case you are seriously interested.....Best it does is keep you out of going bankrupt.



100% free webcam site! | Awesome chicks and it is absolutely free! | Watch free live sex cam - easy as 1-2-3
 

·
Premium Member
TrailblazerSS
Joined
·
1,727 Posts
I pay like $4.68/wk for insurance and they pay 500 into my HSA. My deductible is 500 which i can pay with the HSA, once deductible is met, I pay nothing.
 

·
Registered
TrailblazerSS
Joined
·
713 Posts
okkk here we go...

What type of plan do you have now? I'm assuming you have a managed care plan (HMO or PPO plan). What are your co-pays or co-insurance(s) when you see the doctor, specialist, hospital, ER, etc. The company should have sent you a new Summary of Benefits or Evidence of Coverage. - both will explain your coverage.

HSA (Health Saving Account) plans are great. I love mine! With an HSA you have a pay for all services until you reach your deductible. Normally after you reach your deductible you pay $0 more. But again it depends on the plan. With an HSA you are able to deposit money into an account that you can use for health care cost... ok I;m tried of typing, obviously there is a lot more to explain, if you are serious about it feel free to send me a PM and I can explain over the phone.

I sell insurance for a living :)
 

·
Registered
TrailblazerSS
Joined
·
713 Posts
^^^ Have a wealth of knowledge is not part of the problem, your ignorance is the problem.....I can almost guess who took your vote....:biggrin2:
 

·
Registered
TrailblazerSS
Joined
·
713 Posts
Man neither of our comments were helpful. This will just turn into an pissing match...waste of both of our time
 

·
Banned
Joined
·
18,856 Posts
This is correct....so I will refrain from anything further and unproductive in this thread.

BTW I have an HSA as well, and IMO , I think its legal extortion by the insurance compaonies what they are forcing onto the consumers by adjusting the prices of tradtional insurance to a point where most cannot afford it. (this is my opinion on the subject, nothing more, so lets not argue about opinions as I am sure yours is very different from mine and I respect that)



100% free webcam site! | Awesome chicks and it is absolutely free! | Watch free live sex cam - easy as 1-2-3
 

·
Premium Member
TrailblazerSS
Joined
·
1,710 Posts
Wow, I am glad that all of my benefits are paid for through my employer. I know many people who's premiums are going up. I just stay quiet and don't say anything.
 

·
Registered
TrailblazerSS
Joined
·
713 Posts
MLR (medical loss ratio)....look it up
 

·
Banned
Everything I work on
Joined
·
2,917 Posts
Fuck medical insurance! :2cents: :coolthumb:
 

·
Premium Member
Bet you cant tell
Joined
·
6,480 Posts
Discussion Starter #19 (Edited)
i did find out that the HSA deductable that must be met first before coverage is given has nothing to do with the prescriptionn plan. i feel better now b/c i see the doc maybe 1-2 a yr. but being i have a 17mo old daughter, i need to find out the cost for each of her check ups ( 1 free a yr ) and if the vaccinations during those visits are shown on the meds side of the insurance.

i also heard that dr's get free vaccination meds from the cdc so i should be asking for those so i am only being charged for the visit. if i choose the HSA plan which i feel might save me money in the long run being the regular plan is costing me $200 more per month and i cant see a checkup visit being that much if she has to go once a month. the doctors have to charge me the agreed rate to what the insurance company would of paid.

also - the $1000 my company provides to the bank account for the HSA plan rolls over every year as well as the money i put into it if i decide to each pay period.
 

·
The Lurker
TrailblazerSS 06
Joined
·
13,844 Posts
I'm a Vet....................
 
1 - 20 of 28 Posts
Top