2013 will be tougher (Reuters)

[Danzig]

well, hot dog. it's open enrollment at my place of employment, as well as tony's. i started working here just over a year ago, and didn't look into their bennies last year, since we were covered thru his job.
same insurer (united healthcare), but has several plans to choose from (his company has just one) and a lot lower cost to me. sweet.


anyone in open enrollment-if your spouse has insurance provided, take a look at both plans. or you might need to stay on yours, and him/her go on their own. quite often employers will pay a good portion of the employees expense, but it varies what they pay towards the rest of the family's premiums.
i also would recommend getting with your hr folks-there's no reason why some of these companies can't get more 'bang for their buck' with their insurance provider. my husband works for a large company, they should have tiers to choose from just like my employer.

[Antitrust32]

Originally Posted by Danzig

well, hot dog. it's open enrollment at my place of employment, as well as tony's. i started working here just over a year ago, and didn't look into their bennies last year, since we were covered thru his job.
same insurer (united healthcare), but has several plans to choose from (his company has just one) and a lot lower cost to me. sweet.


anyone in open enrollment-if your spouse has insurance provided, take a look at both plans. or you might need to stay on yours, and him/her go on their own. quite often employers will pay a good portion of the employees expense, but it varies what they pay towards the rest of the family's premiums.
i also would recommend getting with your hr folks-there's no reason why some of these companies can't get more 'bang for their buck' with their insurance provider. my husband works for a large company, they should have tiers to choose from just like my employer.

also with united healthcare.

prior to obamacare, they gave us the muliple plans to choose from, and they ARE good plans.

now we are like your husbands company.

apparently the low deductible plans that you can pick from (but not him) are considered cadillac plans, which apparently is great for the insured and terrible for the company.

i guess my company decided the tax for cadillac plans outweighs offering their employers the best insurance plans. which considering we have thousands of employees.. it makes sense.

thanks again, obamacare.

[Riot]

Originally Posted by Antitrust32

also with united healthcare.

prior to obamacare, they gave us the muliple plans to choose from, and they ARE good plans.

now we are like your husbands company.

apparently the low deductible plans that you can pick from (but not him) are considered cadillac plans, which apparently is great for the insured and terrible for the company.

i guess my company decided the tax for cadillac plans outweighs offering their employers the best insurance plans. which considering we have thousands of employees.. it makes sense.

thanks again, obamacare.

"Obamacare" meaning the exchanges that you and your employer will choose from, are not yet active. So blaming them for your company screwing you on health care choices is rather silly.

[Danzig]

Originally Posted by Antitrust32

also with united healthcare.

prior to obamacare, they gave us the muliple plans to choose from, and they ARE good plans.

now we are like your husbands company.

apparently the low deductible plans that you can pick from (but not him) are considered cadillac plans, which apparently is great for the insured and terrible for the company.

i guess my company decided the tax for cadillac plans outweighs offering their employers the best insurance plans. which considering we have thousands of employees.. it makes sense.

thanks again, obamacare.

my husband likes the idea of low, low deductibles. i'm the opposite-especially considering that we never (knock on wood) come close to hitting a deductible limit in a calendar year. so why pay a high premium for a low, low deductible?
so, i suggested the highest ded. plan. you should have seen his face. lol i showed him the math, but he doesn't look at total numbers like i do. he says 'if i pay for ins,i shouldn't have to pay a high ded. too).
so we split the difference, and went with the middle deductible. save me about $150/160 a month.

[Antitrust32]

Originally Posted by Danzig

my husband likes the idea of low, low deductibles. i'm the opposite-especially considering that we never (knock on wood) come close to hitting a deductible limit in a calendar year. so why pay a high premium for a low, low deductible?
so, i suggested the highest ded. plan. you should have seen his face. lol i showed him the math, but he doesn't look at total numbers like i do. he says 'if i pay for ins,i shouldn't have to pay a high ded. too).
so we split the difference, and went with the middle deductible. save me about $150/160 a month.

i used to do the middle plan also... its a good one.

now i pay $25 a paycheck for a 2500 deductable.

thankfully, i havent been in the hospital since 2006, but i have some health issues that can put my there (ulcerative colitis.. it sucks).

so hopefully things will stay like they have been recently health wise (personally) in the future.