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Guys there’s this boot camp that I came across that trains people to get jobs in Top consulting firms and has a fee plan wherein you pay once you get placed. I just wanted to know if someone here has any experience with this ?
https://docs.google.com/spreadsheets/d/e/2PACX-1vQuKa3k-rG3emxJcfbidCjC0Su85E_BKqW9cTeFZMY4xg4LnUVxOLrpcETqf7d-iEePlFh6lJ1knwwD/pubhtml
I have 2 YOE. How much should I make?
Rising Star
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I've been on open access and can't decide if I want to switch. Following...
P3, you're right. I'm single with no dependent a so mine is only 30. P1, that's the point of an HDP. The trade off is that there's a higher deductible for lower monthly premiums and in case some medical emergency happens, you'll hit your deductible that way and be completely covered from that point on. hitting your deductible early probably won't be worth the extra money you'd fork out each month, especially if the only thing you're worried about is an emergency that may or may not happen. Lower deductibles are for people who spend a lot of medicine and need to get their coverage kicked in a lot earlier than the average person
I'm switching to the lowest deductible. When is the deadline to finish selections?
Tomorrow night
Oh. Fuck.
Glad I read this post.
Why're you switching?
The prescriptions suck on the HDP & MDP. You have to pay full price until you meet your deductible. Then insurance will cover a percentage! With OA it's just a co pay
I have been on HDP for 2 years for me and my wife and it's been solid. PwC puts as much as you pay each month into your HSA, which you can pay for whatever health related expenses you have out of. You don't need OA unless you have some sort of condition.
Not sure how the numbers work for PwC, but the high deductible plan is much more cost effective unless you have a very high certainty of incurring a lot of medical expenses. I suspect it is similar for you. Run the numbers on how many medical costs in a year you have to incur to make the higher premiums worth it.
HDPs make the most sense for people who don't need to go to the doctor a lot. You also get an HSA and Pwc contributes 30$/paycheck on your behalf.
PwC4 - firm's contribution depends on your circumstance. I get $58.33 per paycheck (staff and spouse).
I was HDP... Never needed a doctor, then wrecked my motorcycle and was taken to the ER by ambulance. I'd rather just be safe
This is confusing. How do i change my election... Im@on the damn spark page but it's all info about plans...
The HDP has an annual out of pocket max. Run the numbers and figure out how likely you have to be to max out to make the plans with more coverage make sense. For us, you have to have something like a 60% or 70% chance of maxing out for the HDP to be the worse deal. And, even if you do have a big expense year, the max is low enough that you're not going bankrupt or anything.