{ "media_type": "text", "post_content": "It's health insurance season in the United States of \"Every Person for Themselves.\"\n\nIs there a silver lining to a primarily coinsurance based plan, rather than mostly copays? This is a first for me.", "post_id": "5fc51f247ccb490024980eab", "reply_count": 5, "vote_count": 1, "bowl_id": "5565cfca8b2b9a03009acf57", "bowl_name": "Advertising" }

It's health insurance season in the United States of "Every Person for Themselves." Is there a silver lining to a primarily coinsurance based plan, rather than mostly copays? This is a first for me.

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

Personally I don’t like plans like that but I believe that should allow you to have an HSA, which is somewhat of a silver lining.

You might be able to look at bills from this year and see your explanation of benefits to help give you an idea. Obviously won’t work for unforeseen expenses this upcoming year. But say you have a dermatologist you see for example and this year you had a copay. You could look at your explanation of benefits and figure out what it would cost on the new plan you’re looking at.

Related Posts

25k miles or $400 for a round trip flight? United 1K but have never cashed in on miles, so no idea how much the miles are worth 🤗

like

I have the chance to convert 170,000 Marriott points to cash at their "going rate" of .8 cents to be $1360. Would you do it? My question effectively is, if I have time and location flexibility, is it likely I could find a sweet deal to get more than that amount of value from those points?

like

Landed an interview with AWS for an Engagement manager role that I thought was remote but after talking to the recruiter it's literally consulting and I would have to travel to the client site. Should I withdraw my application or still go forward with the interview to get the practice in???

like

Hello fish. Looking for healthcare industry roles in Houston or Dallas. Currently a strategy consultant with experience in the payer and government programs (Medicare, Medicaid, vbc) space.

like

Do any of the top consulting firms have analytics roles (preferably not super technical) that don’t require weekly travel?

How do people solve for health insurance in early retirement? I’m on a trajectory to have enough income streams to make it possible but need to solve for the health insurance part. Any advice you can share would be greatly appreciated.

like

Aspen hotel recommendation, 2 single girls in 30s. (Looking to Ski, indulge in Apres Ski and meet people)

like

As social distancing continues and busy season approaches us, anyone interested in doing a virtual accountability group? I’ll have a excel google doc we share minutes exercised, record productivity, health eating ect then every other week we do a virtual happy hour 🍻?

like

Deloitte 🐠. During open enrollment, I added my husband to insurance plans. Now I check back, and do not see him listed under 2018 benefits at all. Does this happen to anyone else?

like

If my employer matches 401k contributions up to 5% of total salary but I only started in Sept, is the total match based on salary to-date? Or could I theoretically max 401k match in the last 3 months of the year based on my total annual comp?

like

Over 40 ? Feeling unappreciated ? Creative/execution team with the creative goods needs a New Business type to hunt hospital/healthcare accounts. Full financial participation. Let’s talk.

likehelpful

Major help pls - 6 months in as a new hire and got an opportunity to move to healthcare industry doing what I love with a 20% pay bump. Is it way too soon to leave esp considering annual reviews CONT

like

I’m currently on pace to be just shy of having enough stays/nights to keep Hilton diamond for next year. Would there be any red flags if I were to stay in one hotel mon/tues and a different one wed?

like

Ok sos I need to start retirement savings ASAP. 401k or Roth IRA?

like

PwC 🐠, anyone know if our UHC insurance requires you to go through timed intercourse / IUI rounds before IVF even if doctor recommends skipping straight to? Will call UHC tomorrow morning, but curious if anyone knows!

like

For those planning to quit work before starting school, what types of medical insurance options do you have? Do schools offer insurance to admits before starting?

like

Why is US healthcare so expensive?

like

Promoted to Senior Associate (~88k) but received external job offer in Corporate Development (~105k). How is the transition to industry life (no travel, office on fridays, no points)? can’t decide😶

like

Has a job ever affected your health? I mean, really and truly affected your health; not just lack of sleep or intermittent stress. What happened? Did you leave? Did you stay and manage it? Are you healthy again?

like

ate too much in the past six months because of the dinner budget hahaha. any organic ways/less health impacting cheat ways to lose fat?

like

Additional Posts

SOBER IN ADVERTISING ZOOM MEETING: When: Wednesday’s, 7-8 PM EST Where: Zoom | Meeting ID: 690 936 1783  Hi everyone, I made our zoom account and am planning to schedule our meeting Wednesday’s from 7-8 PM EST. If we would prefer a different time, format etc we can change it but just trying to get some forward momentum on this! Hope to see everyone there!

like

I just wish someone would love me and adopt me, from a work perspective. I float from team to team and get good reviews, but no one seems to want to really take me under their wing. I’m sad and alone in a great big firm 😞

like

Has anyone used Amex points to book airbnb? How's the conversion?

like

Hey folks, How will b the WLB at dell technologies? Also, will there be any travel opportunities in dell?

like

How’s the promotion cycle at Strategy&? 1. When does it happen? 2. Does everyone get promoted at the same time or is it dependant on performance (for real, many companies say that but then do otherwise) 3. Can people get promoted within less than a year of joining (if with previous experience, even when joining as AC)? Thanks!

like

Who has a pre-interview ritual they'd like to share? Not sure what to do except twiddle my thumbs and watch tik tok videos to distract myself from the anxiety : )

I got an offer for a full time job. My contract goes to 12/31 but I can quit at any time. What’s the best way to put in my 2 weeks? Zoom meeting or an email?

like

New AWMA... curious to know what a reasonable salary expectation is and what the growth looks like for an associate within a growing ensemble. For context, background is more analytical, taking CAIA level 2 in a couple weeks, then plan on pursuing CFA.

like

If you had 2 offers, would you take one you’d like a little less in terms of the work to have more flexibility (work from home, leave when you need to, etc)?

I have revoked my paper in August with salary increase meeting my expectation but now I am not happy about the decision. shall I start searching for new job.

like

Is anyone willing to travel outside of the US (India) after the omicron news came out? Is it a risk of getting stuck if there is a travel ban?

like

Is Deloitte Touche Tohmatse same as Deloitte ? Or is there any difference? Should it be considered for joining on the basis of work culture ?

like

What are the experienced (3-5 years) director base salaries like at KPMG in NY AAS? Considering a move from another big 4 but not sure what to expect…PwC KPMG EY Deloitte

like

Amazon AWS Solution Architect - anyone has inside into their compensation structure for someone with 10 years of consulting and industry exp? Or know which level is equivalent to SA in the screenshot?

Post Photo
like

How did you set your rent budget when moving in with a partner? I make £125k base (£167k inc bonus), and my boyfriend makes £95k base (£105k inc bonus). I’m used to allocating 30% of my take-home pay to rent, which is about £1800/mo for a charming neighbourhood in zone 1, but my bf’s used to paying closer to £1000/mo to live in zone 6 and balks at the rent prices I think are reasonable given our incomes and locations we want (zone 2). We both wfh so ideally want a 3BR. (Continued in comments)

like

Any IBD or general advice on moving from associate to VP from a personality point of view? Am quite outgoing and always tried to be a “culture-carrier” but now I have to garner respect from the juniors and they look at me like I’m going to ruin their lives. Need to find the line between being taken seriously and remaining approachable.

like

Where do B4 people live in NYC? Moving there next month as senior associate in advisory and looking for ideas

like

For drafting a stock purchase agreement for first few shots as a junior/mid level, how many billable hours spent are appropriate?

like

ATL Peeps: any NYE party recommendations?? Don't wanna do Buckhead Ball and don't particularly need an open bar. Want something that'll be super fun, not college-y, and under $50 cover. Help!

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