Health Insurance

[DaKCMan AP]

Originally Posted by luv

I would think it would cost less if you don't go to the doctor very often.

Unless your company pays for all of your insurance.

That's just it. A Dr. visit will go from a $20 co-pay last year and a $25 co-pay this year to a $125 cost under the new plan. Thankfully, I'm very healthy and only go maybe once a year, but I shouldn't have to weigh going to the doctor against a $125 cost.

When I broke my hand earlier this year and went to the ER it cost me $150 for the ER visit. Now that will cost $1000+.

Originally Posted by cdcox

What is your stop loss (max out of pocket expenses where the insurance picks up everything)?

$1500 deductible (was $600 this year) and $4000 out of pocket max where they'll cover 80/20.

[luv]

Originally Posted by DaKCMan AP

That's just it. A Dr. visit will go from a $20 co-pay last year and a $25 co-pay this year to a $125 cost under the new plan. Thankfully, I'm very healthy and only go maybe once a year, but I shouldn't have to weigh going to the doctor against a $125 cost.

When I broke my hand earlier this year and went to the ER it cost me $150 for the ER visit. Now that will cost $1000+.



$1500 deductible (was $600 this year) and $4000 out of pocket max where they'll cover 80/20.

Yikes. That is quite a jump. Paying about the same in premiums for that much of a jump, or did they go down at all?

[DaKCMan AP]

Originally Posted by luv

Yikes. That is quite a jump. Paying about the same in premiums for that much of a jump, or did they go down at all?

Their line thus far is that premiums won't increase. Gee, thanks.

[luv]

Originally Posted by DaKCMan AP

Their line thus far is that premiums won't increase. Gee, thanks.

I don't have the greatest knowledge of insurance, but typically, they offer to lower the premium whenever you pay more out of pocket. Did you even get a choice between 90/10, 80/20, or 70/30?