Reply to Want to drop firm's BCBS for independent BCBS policy...am I missing something?

Forum Index » Off-Topic

Reply to "Want to drop firm's BCBS for independent BCBS policy...am I missing something?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous]I'll be the voice of dissent. We switched from the health insurance offered by my very large law firm (Cigna, which covers nothing and which has a ridiculous provider network, think like two obs in dc) to a BCBS individual family plan. It has been an excellent option for us - premium for whole family is less than $400 a month (which includes maternity rider) and we save about 5-8K a year compared to the firm plan. Pediatrician well visits are 100% covered, and we can choose any doctor we want, which was very important to us. We're probably screwed if one of us gets cancer - but if one of us gets cancer, we're screwed anyways - over half of all medical banktruptcies involve people who are insured. We are under 40 and so willing to take that risk. The lifetime maximums for our plan versus the firm plan are comparable. I would not automatically dismiss going off the firm insurance as an option - most of the families at my firm have done so (attorneys anyway). Law firm risk pools tend to be relatively small, and abnormally old and sick (no 18 year olds working at law firms) so they may not offer the same risk pooling benefits as large corporations. Plus an as an attorney, you are subsidizing staff rates. [/quote]

Assuming they honor what is written in the policy. [/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics