So my mom has been stressing me out trying to go on COBRA with our united healthcare/NYSHIP/Empire [Gov] insurance. But it will cost $1,000/month.
My employer is willing to contribute $425/month to any plan of my choosing thankfully.
I wanted to just go with Fidelis catastrophe since I am very healthy and rarely go to the doctor. But my mom wants me to go on COBRA with them and use the $425 + an extra $200 from me and they would cover the rest.
But I literally don’t need it. I go to the dentist twice a year [$100/visit w/o insurance] and I go to my OB-GYN once a year [about $250/ annual exam] I can handle those expenses out of pocket.
I do however need the ability for x-rays and emergencies god forbid I get hurt going snowboarding out-of-state or surfing locally.
I make about $70k/year and I am trying to buy a house with my partner in the next year or so. [currently live at home with parents]
TL;DR: My mom wants me to go on a $1,000/month COBRA partial coverage by my employer + $200 extra out of pocket for me—or I could do Fidelis Catastrophe for $200/month fully covered by my employer.
Should I bite the bullet on the $200/month and keep what I have for the next 36 months? Or go with Fidelis Catastrophe for emergencies only?
submitted by /u/Inthisemoment
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So my mom has been stressing me out trying to go on COBRA with our united healthcare/NYSHIP/Empire [Gov] insurance. But it will cost $1,000/month. My employer is willing to contribute $425/month to any plan of my choosing thankfully. I wanted to just go with Fidelis catastrophe since I am very healthy and rarely go to the doctor. But my mom wants me to go on COBRA with them and use the $425 + an extra $200 from me and they would cover the rest. But I literally don’t need it. I go to the dentist twice a year [$100/visit w/o insurance] and I go to my OB-GYN once a year [about $250/ annual exam] I can handle those expenses out of pocket. I do however need the ability for x-rays and emergencies god forbid I get hurt going snowboarding out-of-state or surfing locally. I make about $70k/year and I am trying to buy a house with my partner in the next year or so. [currently live at home with parents] TL;DR: My mom wants me to go on a $1,000/month COBRA partial coverage by my employer + $200 extra out of pocket for me—or I could do Fidelis Catastrophe for $200/month fully covered by my employer. Should I bite the bullet on the $200/month and keep what I have for the next 36 months? Or go with Fidelis Catastrophe for emergencies only?
submitted by /u/Inthisemoment [link] [comments]Read Morer/HealthInsurance