My dad has never used his employer-based health insurance until now but I wanted to take him to an allergist and just found out his plan has a $10k family deductible (split between him and mom) for anything (specialist visit/lab tests, etc) which means we will have to pay everything out of pocket upto $5k I guess.
I checked his Dec 2020 paystub to see how much he’s paying for this stupid policy and it shows a year to date deduction of $7150 for “pre tax medical”. Which is $650 a month.
I was planning to enroll him into Medicare A/B only after he retired/the United Healthcare plan coverage ends but now I’m wondering if it’s better to enroll him now itself and get rid of this crazy policy?
Medicare would be $148 for part B plus ~$20 for Part D plus $89 for part N roughly $250. So $500 total for both. And without a $10k deductible lol.
submitted by /u/ToothPicker2
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My dad has never used his employer-based health insurance until now but I wanted to take him to an allergist and just found out his plan has a $10k family deductible (split between him and mom) for anything (specialist visit/lab tests, etc) which means we will have to pay everything out of pocket upto $5k I guess. I checked his Dec 2020 paystub to see how much he’s paying for this stupid policy and it shows a year to date deduction of $7150 for “pre tax medical”. Which is $650 a month. I was planning to enroll him into Medicare A/B only after he retired/the United Healthcare plan coverage ends but now I’m wondering if it’s better to enroll him now itself and get rid of this crazy policy? Medicare would be $148 for part B plus ~$20 for Part D plus $89 for part N roughly $250. So $500 total for both. And without a $10k deductible lol.
submitted by /u/ToothPicker2 [link] [comments]Read Morer/HealthInsurance