{ "media_type": "text", "post_content": "EY High Deductible Health Plan vs Open Access Select (don’t have EY bowl access yet)\n\nI just started at the firm and am trying to pick my healthcare. I don’t really ever go to the Dr so I’m thinking of getting the High Deductible plan. My question is, what does it mean that it’s not a “national network (Is this a national network?: No)” but it’s “network coverage: see any licensed doctor”? Those seem to contradict. \n\nAlso HSA vs FSA, as a healthy 26yo, which is right for me (High D only has HSA)", "post_id": "5fa02bada98a4700225e1e04", "reply_count": 10, "vote_count": 1, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

EY High Deductible Health Plan vs Open Access Select (don’t have EY bowl access yet) I just started at the firm and am trying to pick my healthcare. I don’t really ever go to the Dr so I’m thinking of getting the High Deductible plan. My question is, what does it mean that it’s not a “national network (Is this a national network?: No)” but it’s “network coverage: see any licensed doctor”? Those seem to contradict. Also HSA vs FSA, as a healthy 26yo, which is right for me (High D only has HSA)

like
Posting as :
works at
You are currently posting as works at

Now that I don’t have a character limit: I’m thinking the high deductible is right for me, I’m not sure how I can pick my doctor/who I can see. Am I allowed to go to any licensed doctor in the country or what? I’m also not sure if I should be putting money into an HSA (or FSA) as a young, healthy person. The only work I may want to get done eventually is Invisalign, but I’m not sure if that’s covered by HSA or what exactly this all is. Im already looking on ALEX, but was hoping for some real human help

Regarding coverage - don't think there's any difference im coverage with the HDP Invest as much as you're comfortable with in the HSA. $3600 max per year. Pre tax investment that wont expire Don't deduct FSA since you're healthy and FSA expires annually

Yeah def start putting money in to an hsa. Triple tax benefits and it grows while the money is in it

Always HSA because it rolls over.

Feels like a risk to do hsa but I did it myself this year. I’m rarely sick and only go to a doctor for my yearly checkup. Let’s hope it doesn’t change

Do you think that will be the case when your 60? That’s really the point of an hsa. Tax free when you put in, grows tax free, tax free when you use it.

It depends on what your OOP medical expenses are. If you spend more than $1k out of pocket, then get the premium plan. But if you know 9/10 times you spend like $300 on OOP costs, then get the HDHP. I’m 26 and healthy and only spend $400 a year but decided to get the premium plan for tax purposes and a nice safety cushion. I also like the FSA because it comes out pre-tax and you can spend it on bandages and other misc items. And to your question: both plans have the same network coverage, meaning you can go anywhere in the Country and use your insurance. The “national coverage” is basically on most HDHP and PPO plans, it’s only HMOs where you’re coverage is limited to a local network (and not even applicable at EY because they don’t offer it)

Regarding the HDP, how do I choose between UHC and BCBS? I understand that one network is UnitedHealthcare Options PPO and the other is BlueCars PPO, but the rest all looks the same so I’m not sure what I’m supposed to be comparing when trying to decide UHC vs BCBS

HSA, triple tax savings and rolls over

How does one get access to EY bowl

Related Posts

If we had an advertising union no one would be worried if their projects paused right now because they would have health care and a weekly stipend if laid off. Unionize now!

like

Has anyone ever disclosed a mental health diagnosis to their firm? I have ADHD and have never told my firm because it was never relevant. I’m on medication and I always get my work done on time and I do a good job. However, I’m always behind on entering my billable hours into our time entry system (I keep track on paper) and I wish I could tell them that my ADHD makes small tasks like that harder, but I’m worried about how knowing that about me might change how they perceive me. Any advice?

like

Am I screwed? I’m on track for about 1300 billables for 2021, target is 2000. While one month I did not reach out for work every other month I have, including the heads of my groups, and have told many people I am slow and can take on work. I had 4 deals die/get pushed this December, so this month was significantly slower than anticipated. Additionally, the main partner I work with has been out for months with a serious health issue. I have only received positive reviews and (cont’d in comments)

like

Is it unethical to get those free at-home Covid-19 tests? I have insurance, seems like there might be others with more need?

like

Has any of you/your family member or friend took Covid vaccine recently and reported any major side effects or health complications? My wife is getting vaccinated from her work (hospital) and we are trying to gather more information on it to decide but not a whole lot of research or data is available. TIA

like

Insurance Defense Associates: Why not unionize? A lot of people are complaining about very low salaries and high billable requirements. This is a product of low rates and stringent billing requirements imposed by insurance carriers. Unionization at a few large shops like Wilson Elser and Lewis Brisbois can single-handedly turn the entire ID industry around. A rising tide lifts all boats.

likefunny

Any free or out of pocket paid nucleocapsid antibody testing (for prior infection, not to test antibody formation post-vaccination) locations in Manhattan? My insurance doesn’t cover these so looking for other options

like

What are some good groups to work in Optum or UnitedHealth? Healthcare consultant 10+ YOE with providers and payers. I have applied online, but nothing worked out. Any suggestions on navigating United Health?

like

I started a new job last month and had the anatomy scan this Wednesday which said everything is good. I am eligible for all the maternity benefits. I want to let my manager know but struggling to articulate it. I want to be confident and acknowledge it's an inconvenience but don't want to sound apologetic. Would really appreciate your help here

like

I got paid a week ago, but still haven’t received 401k/HSA contributions. It usually takes a couple days to go through after each pay check, but this seems like a long time, right?

like

I have been in a relationship for past 5 years. But i cant marry her due to some reasons and she also knows that. We decided to mutually break up but after 2 months we met again and now it has got complicated. We know each other so well and even after breaking up we talk 1-2hrs atleast daily. Now we are kind of FWB. I love her very much and dont wanna hurt her in any way. I dont know if i am doing this FWB just for the benefits but i really have strong feelings for her. Need your opinions guys

like

What are the best benefits at Deloitte?

likefunny

How Much EPAM Can Offer For 9 years Experienced ETL QA With Cloud Experience Fishes Let me know what All Benefits i can Get from EPAM . Is this Switch Worth ?

like

Thoughts on CVS Health? Interviewing for a senior manager role in strategy. What’s the WLB and career growth trajectory like? TIA

like

So, Trump is giving corporations a 20% tax break and is taking away the tax benefit of contributing to your 401k. So he effectively took our money and gave it to corporations. Take that middle class.

like
like

Just giving a bit of Gyan to fellow fishers Please please do not ever use CTC comparison between current and next company. If you get an offer, do an in hand calculation. Some companies add Retirals like Employer PF, Gratuity along with Insurance, furniture allowance as part of your CTC. Others don't. Sone also have higher variable package. So when you do a CTC delta you may get a 20% hike but when you discount the above things you will fall short and may end up making less. So choose wisely.

like

Trying to figure out whom to leave assets to. I have a young child from a previous marriage. I remarried and current hubby and I are expecting his first baby. I don’t trust my older child’s father to use money for her responsibly. I would be leaving retirement and brokerage accounts and life insurance. I trust my mom 100%, so I am thinking of leaving the money to my mom for my daughter’s benefit. Should I talk to a professional? What are some considerations? Thanks!

like

Has anyone tried CBD oil for improving health symptoms such as anxiety, insomnia, inflammation etc or overall wellness? Experiences?

Jeez I've been overpaying for auto insurance so hard. Was paying $1440/ 6 mo for 3 vehicles bc of one speeding ticket with Geico. Apparently All State doesn't care and can give me it for $940.

likefunny

Additional Posts

Any thoughts on Verizon? Have an offer for a lateral move from their internal consulting team, 10k more than I make now, but 20k less than what I’ll make next year at Accenture. Money isn’t everything though, so wanted to see what the culture and growth opps are like if anyone has any info?

like

Do you think you do better work/have better ideas when you’re the only team assigned to a project or when you have to compete with other teams? Or do you think it has no bearing on your output?

like

What would you choose? MBB (Digital practice) or Amazon PMT? Background: T15 MBA student, 7YoE as Mech engineer, long term goal is to climb ladder in Tech, married and have a baby Situation: I have a MBB and Amazon PMT offer for summer internship that I need to choose. MBB comes with FT offer, Amazon PMT will most likely result in return offer. If I go with MBB, I plan to exit to big Tech in 2-3 years. Y1 TC for both will be quite similar (around 230k). Thank you in advance!

like

Is McKinsey hiring?

like

What’s the process for resigning on the bench? What’s the appropriate sequence of communication and should it be email vs. phone?

like

I was never a perfume person, but recently decided I want to be. We don’t go anywhere notable with COVID around, so I just wear it around the house in my lounge outfits (aka uniform of the past two years). Still perks me up though! I’m curious 🐠, what are your go-to scents?? I’m obsessed with Prada Candy Night.

like

Anyone else in a long term project that feels toxic? I feel like I have no support whatsoever and feel like I have such major anxiety related to work. I can't even escalate a lot of my issues because a lot of the problems seem to stem from the top. Anyone had any similar experiences and willing to share how they navigated through this? For once it would be nice to feel valued...

like

Any Technology Consultants from Qualtrics? Recruiter reached out to me so I would like to know more about actual company culture, wlb and expected compensation. Would anyone be able to share info?

like

I have an offer for Deputy Relationship Manager ll - Wealth from ICICI Bank, I have done MBA in Marketing from Tier ll college in Mumbai with 2 years of experience in Luxury Lifestyle & Real estate in Sales. Is this the relevant position I deserve in ICICI Bank? What pay package should I expect? How is the work culture & work life balance?

like

Hello everyone, I will be joining EY India by the end of this week in the PAS Workforce Advisory. The HR told me that it's going to be WFH for some time and wasn't very clear on when the offices might resume. Can anyone please give me a pessimistic and optimistic estimation of when we might be required to move back to office? I need to move to a different city, so it would be really helpful if you guys could support me with this input. Thanks

like

Anyone working at Guide House? How has your experience been with the Firm. Went through final rounds of interview and most likely will be getting an offer.

likefunny

If we had an advertising union no one would be worried if their projects paused right now because they would have health care and a weekly stipend if laid off. Unionize now!

like

We just hired some folks from a more bureaucratic firm and there's a bit of a culture clash between them and our more flexible startup team. What can be done to merge our cultures?

like

Hi Fishes, Posting on behalf of my friend who is having offers from SLK : 25 ,DXC : 21 ,Cognizant: 19 YOE: 5 Tech: Salesforce Developer Please suggest if SLK is worth joining? How is the work culture and pressure? Is the quality of work good?

I've got an upcoming interview for data science manager at PwC. Can anyone share any insights on the application process, and details about the grade/remuneration at this level? Not familiar with big 4

like

1st year Sr. Associate in MC TE, base $86k. What should I be looking to make if I want to move to another big 4 vs industry?

like

Any tips for negotiating salary? This is my second job out of college and I have almost 2 YOE. Didn’t negotiate for my first job and I felt like I was being underpaid.

like

So much struggle...deciding to go with Marriott Platinum Elite or Hilton Diamond.

Anybody did the apics certification in logistics ? I have the choose between the cslp and cscp but not sure which one I should be doing

I currently lead a non-Tech team at a Tech F500 as a VP but can't get any FAANG/growth Tech interviews. I've been targeting Google L5/L6 equivalent given the tendency to downlevel, but no luck even with referrals. I can get Microsoft equivalent type companies but not any of the hot ones. Are FAANGs only targeting candidates from other FAANGs? How do I get my foot in the door?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
Download Fishbowl to see what others are saying
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the Fishbowl app

Get realtime notifications and see
what's happening in your industry
from the palm of your hand.

For account settings, visit Fishbowl on Desktop Browser or

General

Legal