Every health care company has their pluses and minuses. Just have to pick what's best for you and fits you best.
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Every health care company has their pluses and minuses. Just have to pick what's best for you and fits you best.
Quote:
Originally Posted by Rooskibar03
I paid our kaiser directly when my wife was still in school and i was a self employed contractor. we were $620 a month for their best plan for at the time five of us.
the group plans are way more expensive, but her employer pays their share and out share right now is only $480. for the same cadillac plan (they just happen to use kaiser so we were able to just move over)
The group plan is way more money and we are paying our share, it sounds like your employer is just paying the bare minimum they have to to comply and throwing the rest on the employee. I am not sure how you would get out of it, but it may be way cheaper to pay the kaiser on a private plan depending on age and #of kids etc. I know that many plans are not available to you directly if the employer has a plan. At the time we were paying kaiser directly there was no employer to pay the big bucks and our policy was cheaper than the group plans by far for the same coverage.
My plan is so old that I am grandfathered. In the era before Obama, you called an insurance broker and found a plan with a company. I have Golden Rule, most of kids physician visits are covered or about $65. Its a catastrophic plan with a deductible about $6,000 a year for $450 a month for me and 2 kids.
There is a guy Mike Rosen, 850KOA, hosts regularly Jordon Goodman who has a website with some info on HSA style healthy insurance and plans to work with it. That is what used to be advertised.
Resurrecting this thread. I got the literature from Anthem BC/BS in the mail, my (grandfather'd) plan that was originally $189/mo, went to $211 *just* before obamacare was signed into law because Anthem said "We're increasing premiums because we need to prepare for the eventuality of ACA", and 4 months later after the law was passed, I got another letter stating my premiums were increasing to $226/mo to give me the best value, and because obamacare was now law.
Well a year later, the new letter says I can keep my plan, with the new premium of $261/mo. A healthy 15% increase. Good deal for $40 copays, a $6,500 deductible, generics only, etc? Hah what a joke. Single male <35yo with no extensive health history or existing conditions.
Man, I'm glad I work for a company where our CEO actually does care for the employees. Sure, he's worth $500M but he will still come up and buy you a drink at the bar or invite you to dinner. I'm very curious how they're going to handle the employer mandate but either way I think they'll do right by us.
As for Kaiser, my mom's was partially covered under her retirement from AT&T but after some research she realized she could get the exact same plan for about 50% of what she was having to pay on her group plan.