Your medical coverage

[Ns1]

Now I have to wrap my head around paying $40/mo and 25% for those services, on top of a deductible (until $1500). On the positive side, I can do an HSA account with $800 free to start. Is this what you guys do - pay like $100+ to see a doc each time maybe once or twice a year when you have to?

Between my employers HSA contribution and ours we max out to the IRS limit. We pay something like $150/month and have to eat 20% coinsurance after paying 100% until we meet our deductible. $100/visit sounds optimistic, but on the plus side if you have a major incident at the beginning of the year like we did, the rest of the year's medical care is super cheap!

Possibly related, did you know hospital ER's will give you a discount if you pay right away?

 

[Riverhound777]

I'm trying to figure out my insurance for next year right now. I'm getting screwed no matter what, just depends on how I want to take it. I really only have one plan option under Covered CA, $325/month for a blue shield PPO with $4800 deductible and $6550 max out of pocket.

I did call USAA and talk to them but the only thing they could offer was some weird health expense plan where I paid like $200/m and have a $0 deductible but get reimbursed for everything. Like I would pay for doctors visit but they would give me $60 after. Or I would pay for a hospital visit and get $3k per day after. Sounded risky, if something really bad happened I would have to foot the bill. Also I would have to pay the penalty on my taxes.

I'll probably end up going with the $325/m plan, not much of a choice really. Just sucks that 4 years ago the same plan only cost me like $150/m.

 

[DietDrThunder]

Cepak, 400 hours? Do you mean 40? I think that's common, at least where I work it's the same. Max tier is 18 days of PTO accrued over the course of the year and you can only carry over 40 hours.

No, I meant 400 hours. We usually work so much overtime that you rarely get to take vacation.

 

[rh71]

Sick. More than pro athletes. Crowdfunding at its finest.

 

[Orsorum]

I was on an Aetna HDHP the last few years, $2,500 deductible, $6k max out of pocket. Double the limits for a married couple, but they're still applied to the individual - so I hit my max out of pocket this year so my costs are covered in full but my wife's are not. They're now eliminating that option and going to a plan where the deductible is $3,200 shared between the couple (guess they'll squeeze an extra few $$ no matter what). We pay $340/month.

 

[highland145]

I was on an Aetna HDHP the last few years, $2,500 deductible, $6k max out of pocket. Double the limits for a married couple, but they're still applied to the individual - so I hit my max out of pocket this year so my costs are covered in full but my wife's are not. They're now eliminating that option and going to a plan where the deductible is $3,200 shared between the couple (guess they'll squeeze an extra few $$ no matter what). We pay $340/month.

Be self employed and really understand the squeeze.

 

[Fenixgoon]

i feel like i have pretty solid health insurance. i think it runs me about $120/mo?

single person coverage
$2000 deductible
$3450 max OOP
HSA contribution of up to 3450/yr (company puts $1000 towards HSA)

for better or worse, i will probably hit max OOP every year (i take some very expensive drugs). it's not too bad, so i'm trying to eat the cash hit and use my HSA as another tax-free contribution account, like a 401k.