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I am so lucky- health insurance

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Eranda posted 11/9/2013 11:32 AM

Well we got the information for next year's health insurance through work.

Hasn't changed that much from last year :)

I pay $8 more per pay period (bi-monthly) for a total of $56 for an individual policy.

Deductible is 2k, but the company pays the second thousand, so I only have to pay 1k. After that, everything is covered 100%, aside from co-pays. My out of pocket is a maximum of 1k/year plus co-pays. For $56/pay period. That's awesome, especially since I'm looking at a hip replacement next year.

Plus they changed the short term disability to a better plan that is cheaper than the old one. Waiting period is only 6 months now instead of 12- so I could have my surgery any time after June and be covered :)

I am really thankful that I work for a good company whose owners really work hard to get us the best possibly coverage at the best price. I know it's a lot of work, and a lot of money they're paying. But it really makes a difference for people to know that their out of pocket is capped at 1k no matter what happens.

I actually went and thanked two of the owners yesterday LOL. Told them that I realize it's great coverage compared to what some people have, and at a great price to the employee. That I know it's a lot of work and money to get us that, and that I appreciate that they do it. They both seemed shocked that I thanked them but genuinely happy to hear some appreciation.

They deserve it.

Want2help posted 11/9/2013 11:49 AM

That's awesome!!

I know a lot of people who are excited to be signing up for insurance since they have previously been denied (due to pre-existing conditions).

I am finally getting insurance (for the first time in 5 years, since losing my job due to company bankruptcy) through my college. It's good insurance, and since it's part of my cost-of-attendance, my scholarship pays for it. I can finally start getting all of the exams I've been skipping for 5 years, because I've been terrified of being diagnosed with anything while uninsured.

Yay for being insured!

tushnurse posted 11/9/2013 12:58 PM

COngrats!!! That's a deal.

[This message edited by tushnurse at 12:58 PM, November 9th (Saturday)]

sisoon posted 11/9/2013 13:11 PM

I'm covered as a retired employee for a major consulting company.

Because of the way they did the costs and subsidy (employer's partial payment for my coverage), the actual insurance premium went down $350, but my costs go up at least $850 - and if it's a bad year, my costs will go higher, because out of pocket max went from $5000 to $6250/person.

Even so, I'm very grateful to have it.

[This message edited by sisoon at 1:12 PM, November 9th (Saturday)]

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