I slipped up with health insurance this year. My company started offering us a 100% employer paid option, they’ve become pretty popular over the last 2 years. Basically you have health, dental, and vision at no cost. If you are young and healthy it’s a great option. So I signed up. Problem is, it’s actually expensive as hell LOL.

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

Its at no cost
Its expensive as hell

Confusing

like

I get it - they’re saying the premiums are $0 but the benefits are shit. Terrible copay and terrible deductible. Looked great on the surface but is terrible if you need actual care.

like

Seems a bit misleading on your employer's part. My wife has the same type of plan with a $10k deductible per insured, but the employer also provides a benefits card to use to cover the entirety of the deductible(s). So it's truly no cost and it's amazing.

like

Indeed, I think that benefits card would make it perfect.

You should HDHP and fully load the HSA. I wish I'd have done it from the start. It's the most tax advantaged account most ppl can have.

like

We have been going through this same issue, even on meds we are paying so much it's pretty bad. I wish there was another option because it's tough paying almost 1000$ a month in bills

like

Your employer pays all of the premiums, so no deductions from your paycheck. BUT, you still have to pay hella copays and deductibles. AND, those deductibles and copays are much higher than they are on other plan options. So next year I will go back to payroll deductions for my insurance lol.

Now, I don’t have kids and I’m not married, so my monthly deductions for insurance are cheap. If you have kids, a spouse, etc then your monthly insurance premium might be quite high, and in that case it may make more sense for you to select the 100% employer paid option. You’d save hundreds of dollars a month in premium costs.

For me as one person it’s cheaper to pay a few dollars per month than pay the copays and deductibles.

Related Posts

like

Hi guys,

I am working as in house counsel at Star Health with 2.5 year yoe and 1 year exp in private practice.

Can we connect to discuss opportunities at your organization.

Thanks in advance, please let me know if you know suitable vacancies.

Secondly,
Anyone from EY please comment i found some suitable vacancies would be greatful someone helps with a referral.

Thanks in advance

like

I am 29F and earning 13LPA. I have been working for 4 years of which 3.5 years I had very low pay and close to 0 savings. I have been able to save 6L now.

My investments below:
* Elss funds - 2 (total 1.5L annually)
* Large cap mutual funds - 6 (total 40K sip per month) current portfolio of 4L
* FDs - 2 of 25K each
*Medical insurance - company provided

Can someone advice if this is a good investment plan for future? What can I do better? Do I need another Insurance? Where else to invest?

likehelpful

I recently bought my 1st home in TX. I want to get into real estate and eventually own/rent out multiple homes. Are there any good recommendations/tips on books/articles/websites that others have used to get started?

I've read about HELOC and cash out refinance to get a 2nd home but articles are so scattered that it gets confusing which is better in terms of tax benefits and immediate costs, etc. Anything others have found helpful that summarized how to get started would be great!

like

Company offers 200% match on the first 3% of 401k contributions, vested immediately. How is that relative to other firms?

like

Question for my 401k focused advisors out there--what programs are you using that is instrumental to your 401k practice that you simply can't do without? I'm being pitched on Envestnet & im not sold.

like

Was there a specific point where all this became real for you all? I’m almost 6 weeks and have only had mild symptoms and wondering when it will finally hit for me.

like

Continue to wear masks people!

likehelpful

Any idea if someone had take covesheild vaccine in India . Can they take boaster Moderna shot here

like

What are some good healthcare/pharmaceutical etfs that you would recommend?

like

Advice on choosing healthcare as a freelancer? Very new to this world and overwhelmed trying to find the right option. I’m 29, relatively healthy, single and no kids.

like

Does anyone have any advice of keeping track and staying on top of all your medications and supplements? Before TTC I would maybe take a vitamin once in a while. Now I’m on everything under the sun.

Prescribed:
- Levothyroxine
- Clomid (days 3-7)
- Progesterone (2dpo-13dpo 2x daily)

Doctor recommended:
- Prenatal
- Aspirin
- Vitamin D - 4000 IU
- Omega 3 fish oil - 1000mg x 2
- Inositol (myo/chiro) - 1-2000 x 2

Self researched:
- Red raspberry leaf tea
- Ashwagandha

like

Is this bowl already dead? Assuming that most in this bowl, if not all, are onsite. There are so many situations which are unique to us. For example, no 401k and no PF contribution at the same time, bonus in INR even though our expenses are in USD, and so much more...
Am I the only one who's thinking that Deloitte's policies for landed resources could do with an overhaul?

like

While the law requires it, it seems that there’s no mandatory lunch for being a nurse or other healthcare provider. What's your experience?

like

Does anyone use peptides as part of their skincare routine? Yay or nay?

like

Why does my left arm keep getting numb when I sleep on my back? Anyone experience this?

like

What does the salary for a home health visiting nurse in the south look like?

like

Interview with Deloitte for Healthcare Ops transformation Senior Consultant. Wanted to know what salary range i should expect. Candidate with post 6 years of experience with Top 20 MBA degree. Currently at a competitor.

like

Hi Folks, Have got an offer with credit suisse pune for the post of ENO.

Need few answers so please help me if you are aware.

1) When will i get my joining dates informed. I have a date mentioned in my offer letter. And status on portal is showing Onboarding.

2) What are the components of flexible benefits.

3) I am from big data testing domain, has yoe 2.11 years. What challenges i may encounter coming from testing background in IB domain.

4)current 7.5, newCTC 18 is it fairly compensated?

Hi all, which companies in the Federal space can I target that work in the healthcare implementation space? Most openings I see are on the strategy/advisory side.
I have a lot of experience in the Medicaid world and have led and managed implementation projects there. Thanks.

like

More Posts

What other cities/states have indoor masks mandates as restrictive as Chicago, IL? Especially in high schools with 98%+ vaccination rate?

like

Need 11 likes for DM pls support

likesmart

How are hours in CMAAS?

like

𝐌𝐨𝐬𝐭 𝐀𝐰𝐚𝐢𝐭𝐞𝐝!

𝑹𝒖𝒍𝒆 𝑭𝒖𝒏𝒄𝒕𝒊𝒐𝒏 𝒕𝒐 𝑪𝒂𝒍𝒄𝒖𝒍𝒂𝒕𝒆 𝒕𝒉𝒆 𝑺𝒖𝒎 𝒐𝒇 𝑪𝒐𝒍𝒍𝒆𝒄𝒕𝒊𝒐𝒏 𝑭𝒊𝒆𝒍𝒅 𝑽𝒂𝒍𝒖𝒆𝒔

#SAP #SuccessFactors #BusinessRules #1H2022 #ReleaseInformation

Post Photo

Anyone know what the current atmosphere is like in McCann New York after they lost one of their biggest clients, U.S. Army? Does losing such a client deteriorate an agency’s culture/career prospects?

like

Taking AUD this week, any suggestions?

How is the annual hike and bonus in PwC SDC US Advisory (Management Consulting) I heard it's slightly lower than other big 4...

like

What role “generally” pays more at Google? Product Manager or Sales Engineer?

likehelpful

What is the mean salary for a Project Manager in Italy?

like

Terrifying scope of Capitol attack becoming clearer as Washington locks down for Biden's inauguration

like

I dint feel happy when my bf proposed me for marriage.. i am not able to understand why..he is very nice guy, we have been dating for almost 4 years but honestly, in these 4 years, i never had that butterflies feelings with him never ever. Its just that we are comfortable with each other as a person thats it and we started dating.
Whats wrong with me..i am also not sure if i want marry him..

like

Hi, How much time it takes to complete bgc and laptop assigned for associate? Recently joined infy, it's been one week.I

What’s a typical salary for a Director of Operations in the NYC area?

like

Any thought in working 3x12s a week vs a typical 5x8 or 4x10? I am working 3x12 and have to work some weekends and I am not sure if I like it. I am 25yrs lmk maybe I am just young? Thoughts?

like

Hey guys! I joined my current organisation as a fresher with 19k PM, it’s been 3 years with 2 promotions I am now a business analyst (1 year) earning 35k P.M. I feel I am underpaid, please tell me what is the right pay for my exp and designation.

like
like

Does any firm reimburse for part time MBA ? Thinking of applying for Booth part time MBA

Is anyone here working in Whatfix or have given interview for this company?

like

Any Bridge Engineers/Structural Engineers in here? I got my PE this year and have 5 YOE in TX + an MS. What sort of raise would you expect for receiving your PE working in a consulting firm? I am EOR on a number of structures in development, I manage EITs and Drafters (within projects; I'm not a supervisor), and am doing a lot in general. I'm at 78k currently, which is apparently still in the upper range of EIT salaries per a job posting in CO. I'm thinking of 15% (5% merit, 10% PE). Any ideas?

like

Anyone get in on the polymath airdrop? I did and now trying out if the platform is actually viable. Thought?

Additional Posts in Consulting

What are your expenses/time horror stories? Has anyone gotten fired in relation to expenses? Compensation withheld?

What are the best things to specialize in if you want to be a CEO of a bank one day? I feel like I've been a generalist thus far in my career and want to narrow my focus. Should I go work for an investment bank for a few years? Focus on product maangement for a retail banking?

Would appreciate any thoughts or insights. Thanks!

like

For people in consulting - do you often read books about project management and motivation? Would appreciate your recommendations (preferably the ones with more than one thought for the whole brick of text 🤨).

like

Will companies know that you got laid off if they do a background check?

like

Lots of us are skilled at delivery but most sales books seem to focus on the pitch and closing... What are your best resources for learning to develop and nurture strong, lasting client relationships?

like

What the hell is PWC's human-centered design badge on LinkedIn that every intern and new employee posts? It's horrid but now I'm curious.

funnylike

What are the best Sales books y’all read?

like

Fellow EY 🐟. I left EY recently after two happy years there. How can I get the pension money back? I had around $1500 there and they are not able to help in EY-HELP3.
Can I at least do a rollover to an IRA?

likefunny

Any audio book recommendations to listen to when backpacking / vacationing?

like

To those starting the year on the beach: office or home office ...or actual beach?

like

Someone reached out to me on LinkedIn about becoming an author on the side. Has anyone heard about such a thing?!? The person said she’s worked with 800 consultants writing their books and marketing it for them.

like

Poll: What dress code do you follow at your home office?

When you knee-jerk to "love you!" as you're wrapping up a call with a coworker

🤦‍♂️

funnylikesmart

I stare at a rectangle, tap my fingers sometimes, and pretend I like people 😎.

Post Photo
likefunny

If interviewing at an organization that has different locations (with different MDs/Partners) for the same position do you apply to only one or should you apply to each office you have interest in? Interviewing for a director level position in one location but there is a senior director level position that fits my skill set in another office location.

like

Top consulting firms for building mobile apps - IOS or Android?

like

Today is the day I am joining forces with the great resignation season. Who else is thinking or in process of changing employment?

likefunny

Suggested books or resources to learn more about strategy consulting? Different analysis, acronyms, etc.

like

Signed the offer with a competitor, but multiple bosses tried to persuade me to stay with the planned growth opportunities in sight. Still decided to leave, and got "wishing you all the best". Guilty much, I love working with the team, but just want to get better progression and pay.

Anyone feels guilty in my shoes? Is returning to the firm a common scenario? Just worried that things might not work out in new firm

like

Any idea why EY is not on the list of Vault 50 top consulting firms but it is on the prestigious list?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
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

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal