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Thoughts about Alixpartners?
Barack is in the Waldorf Astoria!
Ex-ACN Deloitters, your experience so far?
Anyone take SHRM? How many hours did you study?
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PwC's health plans are basically Mitch McConnell and Paul Ryan's love children. Crap deductibles + HSAs.
In general, you're seeing why healthcare in the US is the laughing stock of the developed world - your (and mine) and all other firms self-insure (UH etc just administer the plans) so basically you leave healthcare at the mercy of the employers' policies. They don't have to be better because there's no regulatory (after ACA there was an improvement for the worst plans) or market pressure (you can go and self-insure which will cost you an arm and a leg for crappy coverage), and everyone else is doing the same cause the cost of care has spiraled out of control for years.
Kaiser is its own thing. It's an HMO that sells its own plans
^could not agree more!
Are HSAs worthwhile? I've read up on em and even checked out the "ELI5" (Explain Like I'm Five) on Reddit and still don't quite get them. I'm guessing with a crap plan it's probably needed to even out the crappiness?
Do people usually opt for the high deductible or low deductible?
With the prestige of these consulting firms and the desire for high achieving people to want to work here, why are the benefits such crap (aside from "because they can")?
@ATK1 exactly! The plans suck bc we're in the US and there's no incentive for providing better insurance. I had way better coverage 10 yes ago at a reasonable rate. The current plans are good for young people who are never sick. But if you have a kid, are pregnant, or are in any other situation where you will have a consistent ongoing outflow of health related costs, then you're screwed. The whole point of insurance is to hedge against risk and distribute premiums/costs. Kinda like car insurance. But this extreme push towards pay for what you use is leading to higher insurance premiums and lower coverage.
Oh. Dang. Wife really likes them.
She will looooooove UH.....
^ do you want to reevaluate your use of "prestige"?
The 3 plans are exactly the same. I did the math... if you add the premium, the company contribution to the HSA and factor in the deductible, you pay almost exactly the same with all 3 plans. The question is whether you want to pay it in premiums or services. The cheapest plan, assuming you use the insurance is the medium deductible plan by about $76 for the entire year, if I remember correctly.
And if you use the insurance, you definitely want to contribute to the HSA