Let's talk health insurance...
OK... My employer is making a switch on our health care. I am going from BCBS to UHC (Health Savings Plan).
I need some opinons on this from anyone who might have a health savings plan, or has gone from BCBS to a health savings plan.
Here is the really short version... my deductible will be roughly $2K. I have to pay full boat on RX's but they help towards my deductible, once the deductible is met RX's are 10/30/50 and my heatlh care is 100% covered. I do have a seperate policy that will cover 100% of my deductible IF I am admitted to a hospital for an over night stay. BUT, this deductible ryder does NOT cover pre-existing conditions. An example of this is, anyone in my company that is pregnant is not eligible for the ryder to cover your deductible since you were prego prior to the policy change.
My fears are... My kidney stones, will these be pre-existing. WLS? WTF!! Am I screwed if I have to go under the knife for something?
This new plan is beneficial for folks who dont frequent Dr's often and who were strugling with our high BCBS policy payments (An example is, I was (am) responsible for 50% of my policy). This new policy is much cheaper in terms of payments out of my check, but I don't save any money as I have the difference from old policy to new policy kick into my savings plan. Also, there is no expiration on useage of funds in my account.
Anyone had to deal with this before?
I need some opinons on this from anyone who might have a health savings plan, or has gone from BCBS to a health savings plan.
Here is the really short version... my deductible will be roughly $2K. I have to pay full boat on RX's but they help towards my deductible, once the deductible is met RX's are 10/30/50 and my heatlh care is 100% covered. I do have a seperate policy that will cover 100% of my deductible IF I am admitted to a hospital for an over night stay. BUT, this deductible ryder does NOT cover pre-existing conditions. An example of this is, anyone in my company that is pregnant is not eligible for the ryder to cover your deductible since you were prego prior to the policy change.
My fears are... My kidney stones, will these be pre-existing. WLS? WTF!! Am I screwed if I have to go under the knife for something?
This new plan is beneficial for folks who dont frequent Dr's often and who were strugling with our high BCBS policy payments (An example is, I was (am) responsible for 50% of my policy). This new policy is much cheaper in terms of payments out of my check, but I don't save any money as I have the difference from old policy to new policy kick into my savings plan. Also, there is no expiration on useage of funds in my account.
Anyone had to deal with this before?
(deactivated member)
on 2/12/09 6:36 am
on 2/12/09 6:36 am
HSA or HRA??? there is a difference. My company made the switch last year and luckily my wife had a strong Unitred Healthcare plan. The HRA/HSA is horrible they were originally designed to be a supplementary policy to go along with your regular helath insurance. Basically rewarding "healthy" individuals and non smokers with lower premiums and no out of pocketr expense for "[preventative care.
Generally if you switch insurance carries at all after having the procedure your fills will n ot be covered. 2k deductable..also look at max out of pocket and what hapens once you reach both of these plateaus. Some companies after the deductable is met they split cost as much as 80 /20.
After max out of pocket which can be any amount..mine is 4k once that i**** company pays at 100%. HRA/HSA unfortunately seems to be the way companies are going today to save mioney. In these time with near 15% unemployment they can get away with alot.
I do have a little knowledge abou these plans as I am an HR Director.
Generally if you switch insurance carries at all after having the procedure your fills will n ot be covered. 2k deductable..also look at max out of pocket and what hapens once you reach both of these plateaus. Some companies after the deductable is met they split cost as much as 80 /20.
After max out of pocket which can be any amount..mine is 4k once that i**** company pays at 100%. HRA/HSA unfortunately seems to be the way companies are going today to save mioney. In these time with near 15% unemployment they can get away with alot.
I do have a little knowledge abou these plans as I am an HR Director.
Kay
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