My wife recently quit her job to be a stay at home wife, really for mental health reasons but nothing diagnosed. My work offers a PPO health insurance, vision and dental plan through anthem with a high deductible hsa account plan. I have always thought that the hsa plan was too similar in price to make it worth switching, I only pay 95 per pay 2 week pay period for my insurance, 75 for the hsa plan. For employee plus spouse it’s 300 per pay period for ppo, 225 for hsa plan. At my wife’s former employer it was like 30 per pay period for the hsa plan, and 350 for the ppo plan. This makes a bit more sense, the gap is huge, so you can put a lot in hsa and still be quite a bit cheaper. Her insurance actually seemed really good from what i could tell, seemed to cover everything including preventatives. Her employer also put in 1200 per year in her hsa as part of it. It doesn’t seem worth it at all to do the hsa play for us. Also there is a family plan option, 415 per pay period for ppo, 325 for hsa plan.
My bigger question is $410 extra per month seems like a lot. Do you think I could do better on the market pricing an individual policy for her now that she won’t have insurance of her own? I see some really basic policies as cheap as 50 per month and some ACA approved plans as cheap as $270.
On my insurance we are at deductible individual/family 2500/7500, max out of pocket 6000/12000. Physician office visit 30 primary, specialist 50. Preventative care covered in full. emergency room copay $250, then 20%. 75 for urgent care. inpatient and outpatient professional services, 20% after deductible. outpatient surgery hospital or alternative care facility, 20% after deductible. retail 30 day supply prescription 10/35/75/25% with 350 max. The hsa plan is 4,000/8,000 and 5,000/10,000, 0% after deductible for office visits, preventative care covered in full, 0% after deductible on all the other stuff, and same prescription coverage. On dental coverage all preventative is covered, vision routine eye exam is $10 copay once per year. $130 frame allowance and contact allowance, 20% off balance on frames and 15% on contacts. For in network. Standard plastic lenses are $10 copay. Dental after preventative is 20% after deductible on minor restorative, 50% after deductible endodontics, 50% after deductible for periodontics, 50% after deductible on prosthodontics.
Nothing about this insurance seems revolutionary to me, paying another $410 for my wife to be on it doesn’t seem to my untrained eye to be worthwhile. I found non-aca plans as cheap as $100 per month with preventative care coverage, and aca plans as cheap as $270 so far. What do you guys think, do you think i can furnish a decent option for cheaper than what my job offers? I am kind of lost with health insurance stuff, I don’t really know what kind of coverage I should expect for how much money. Most people, myself included just get whatever their employer has and if it’s good it’s good, if it’s not it’s not.
submitted by /u/hzuiel
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My wife recently quit her job to be a stay at home wife, really for mental health reasons but nothing diagnosed. My work offers a PPO health insurance, vision and dental plan through anthem with a high deductible hsa account plan. I have always thought that the hsa plan was too similar in price to make it worth switching, I only pay 95 per pay 2 week pay period for my insurance, 75 for the hsa plan. For employee plus spouse it’s 300 per pay period for ppo, 225 for hsa plan. At my wife’s former employer it was like 30 per pay period for the hsa plan, and 350 for the ppo plan. This makes a bit more sense, the gap is huge, so you can put a lot in hsa and still be quite a bit cheaper. Her insurance actually seemed really good from what i could tell, seemed to cover everything including preventatives. Her employer also put in 1200 per year in her hsa as part of it. It doesn’t seem worth it at all to do the hsa play for us. Also there is a family plan option, 415 per pay period for ppo, 325 for hsa plan. My bigger question is $410 extra per month seems like a lot. Do you think I could do better on the market pricing an individual policy for her now that she won’t have insurance of her own? I see some really basic policies as cheap as 50 per month and some ACA approved plans as cheap as $270. On my insurance we are at deductible individual/family 2500/7500, max out of pocket 6000/12000. Physician office visit 30 primary, specialist 50. Preventative care covered in full. emergency room copay $250, then 20%. 75 for urgent care. inpatient and outpatient professional services, 20% after deductible. outpatient surgery hospital or alternative care facility, 20% after deductible. retail 30 day supply prescription 10/35/75/25% with 350 max. The hsa plan is 4,000/8,000 and 5,000/10,000, 0% after deductible for office visits, preventative care covered in full, 0% after deductible on all the other stuff, and same prescription coverage. On dental coverage all preventative is covered, vision routine eye exam is $10 copay once per year. $130 frame allowance and contact allowance, 20% off balance on frames and 15% on contacts. For in network. Standard plastic lenses are $10 copay. Dental after preventative is 20% after deductible on minor restorative, 50% after deductible endodontics, 50% after deductible for periodontics, 50% after deductible on prosthodontics. Nothing about this insurance seems revolutionary to me, paying another $410 for my wife to be on it doesn’t seem to my untrained eye to be worthwhile. I found non-aca plans as cheap as $100 per month with preventative care coverage, and aca plans as cheap as $270 so far. What do you guys think, do you think i can furnish a decent option for cheaper than what my job offers? I am kind of lost with health insurance stuff, I don’t really know what kind of coverage I should expect for how much money. Most people, myself included just get whatever their employer has and if it’s good it’s good, if it’s not it’s not.
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