Financial Advisors

So - does anyone else work at an insurance company that has shitty health benefits? Last Dr. Visit cost me over $700 out of pocket and it was a regular check-up w/ labs???

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We have the same issue. The way I see it is if you are a relatively healthy person, go with the low premium and high deductible, couple that by contributing as much as you can to HSA. HSA can be carried forward, so if you don’t need it now, save it for the future. Where as if you had the high premium, if you don’t use it, it’s gone.

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We have three different options. One is expensive, but very great coverage. $1000 deductible but the company throws $600 into HRA immediately. Next gets $600 into HSA and has $2500 deductible. Last is $600 into HSA and $5000 deductible. I do the cheapest one because in a good year I won’t hit my deductible. The most expensive plan covers it all, but I’m guaranteed to pay more with premiums. Just depends on how you think you’ll use it.

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No. The first option only has a $1000 deductible and the company gives you a big portion of that into a health reimbursement account. The other two options are high deductible with HSAs.

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OP, sounds like you have. High deductible health plan. Yuck!!! Are there any other options?! Check your benefits and see if there is a normal, high-premium, low deductible plan. I like high premium way better!

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Second what fa1 said

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Yeah I rather pay $300 a month in premium than go to Dr and get hit with $700 bill and $700 every time I go to the pharmacy!

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