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I got screwed last year after an ER visit, which cost $4k in total - ended up having go spend $3800 on it (or whatever the deductible was). If your life is risky (eg you like mountain biking or popping a molly in raves), then don't take it (:
High deductible is actually the cheapest once you factor in the monthly premium being deducted from your paycheck. Just make sure you dump money into your HSA. With one kid, and another on the way I've realized the insurance blows; it's meant for the young 20-somethings who dont have much for medical expenses
This was the worst. You literally have to pay until you reach your deductible. It's not all going to be full cost. It is going to be discounted but it is almost impossible to reach your deductible. And if you happen to not reach your deductible within a year, the whole cycle starts over. I was pregnant and gave birth last year and although I had insurance it seriously didn't feel like it at all. This year I got the no deductible option so I only pay copays per visit. Which so far is working out great.
All in network. It is because the all access plan only cover 85% of anything EVEN if it is in network. So if you have an MRI, then you are paying 15%. If you have ANYTHING, then you are paying 15%. Which adds up fast. Plus any specialty Doctor (gyno, cardiologist, dermatologist etc.) you have a $35 co-pay. It all adds up FAST. I spoke with a senior manager about it and he said that is why he and everyone else he knows is all on their wive's insurance, it is that awful
😂 $6k out of pocket with 85% covered and $35 copays is not a "minor health issue".
Correct
Even with PwC's all access plan you will go broke. I have some minor health issues that mean I go to the doctor a couple times a year and have tests run....they take out $250 from my paycheck every month ($3,000 a year) for the "best insurance PwC has to offer" and in the last 13 months I have still had to pay almost $6,000 out of pocket. Worst insurance of all time.
^why so much out of pocket? The doctor visits should be a $20 co-pay. Are you visiting in-network?
Also without knowing what exactly you're seeing the doctor for it's hard to know whether or not you're getting a bad deal. I don't expect you to state your medical condition on FB, but if you're having blood work run every few months and having auto immune test kits, or cat scans or something, those things are expensive. $6K may not be all that expensive depending on why type of work is being performed.
Go w high deductible if you're pretty healthy and don't require much medical needs but if you're having a baby or usually pretty sick- then open access. Pwc's health insurance is not that bad compared to others I've seen. There are plans out there w $10-20k deductible for just an individual
@PwC2 I think you're severely underestimating how much those medical procedures cost. MRIs are not cheap. If you're having multiple MRIs and other costly procedures a year and complaining about paying $6K, I think you may be a bit misinformed. Go research how much an MRI costs (I.e. What they are billing the insurance), then go look at what the retail value of any bloodwork you have run and any other procedures are. I think you're in for a rude awakening once you see the market price of all these procedures.
A someone who have always contributed to the open access plan, I recommend that one. This past year I had surgery and the most I had to come out of pocket was 2K. That included 4 days in the hospital, various tests, MRIs, doctor's appointments, etc. Yeah, I pay a bit more a month (negligible in the long run since you get used to not seeing it), but having that there when I have klutz or unexpected illness has given me peace of mind.
PwC 7, you are nasty. It is minor. I have run the Chicago marathon 3 years in a row, and I have only missed 2 days for being sick. It was my mistake to think this was a safe space to share. For that, I'm sorry. Good luck to you, PwC, in making your decision on health care benefits. I was just trying to be helpful.
I'm pretty sure there are e-learns that help break it down. They may be worth watching.
Pwc 3, i thght hsa gets wiped out every year if you don't use it?
Very nice P10..we had a csection as well and paid out the ass over$5k. We were prepared with the HSA built up, but it's weird how different it can be?
Full cost of the visit until my (very high) deductible is reached? Could anyone on the plan chime in? Sorry I am still new to the world of health insurance. Also, what does that mean in terms of prescriptions? Does UHC not cover any portion until deductible is meant??
*are
HSA is contributions are key for the high deductible plan. PwC contributes a certain amount every month as well. It is like a 401K without the penalty if you need the money for medical expenses.
If you factor in the cost of the monthly premiums, the high deductible plan is actually cheapest even if you do max out. Especially with the monthly contribution from PwC. You pay the insurance negotiated rate until you meet your deductible, and after that you pay 10% of the negotiated rate (plan lays 90) up to your coinsurance max. The best way to do it is to put the max allowed amount in your HSA every month. You don't miss the money because you are not losing more from your paycheck than you would be if you did the open access plan, and then the money is available in your HSA when you need it.