Reply to How much do you pay per month in health insurance premiums?

Forum Index » Off-Topic

Reply to "How much do you pay per month in health insurance premiums?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous]OP here.  Thanks for your replies, PPs.

The plan of the potential employer is $460 per month for a family of 5.  We would have a $2000 deductible as a family and an $8000 out of pocket maximum for in network but a $24,000 pocket max for out of network, though the deductible will count toward the out of pocket total.  THis doesn't seem like a good plan - at all.

Also, the provider network is small in the Washington, DC area ....  For example, several of the major hospitals in Mo Co (Shady Grove, Holy Cross) are out of network.   It sucks because I want this job - really interesting work - and the money is better than my current position, but the insurance is actually making me hesitant to take the job.  [/quote]

We just went through this, and I would say if you love the job, take it. There's NO guarantee your current insurance will stay great!! Really, trust me on this one. We had fantastic insurance, and suddenly, we didn't. Same great employer, but health care costs are so out of control that the insurance co refused to offer that great plan to my employer any more. So now we have insurance that's not as good as the plan you describe.

$460 per month for a family of 5 isn't bad, as long as most of your current doctors are in-network. And a $2K deductible isn't bad at all. Not great, but it could be a lot worse, trust me again! Our plan isn't nearly as good as the one you're looking at.

Also, in a year, you can look on the exchange for a better plan (unless the Republicans manage to repeal Obamacare!).

I love my job, but if I didn't and had the opportunity to get a better one, I'd jump on it, even if the insurance sucked. Jobs are harder to find that health care, IMHO. [/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