Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered
Which plan would you have done?
the "cross my fingers, and hope I never get sick" plan
LeNeve Wrote:Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered
Which plan would you have done?
the "cross my fingers, and hope I never get sick" plan
yeah next year I am doing that one, I have no choice since we have to pay for a very expensive wedding.
Been looking into delivering pizzas part time to help pay bills
LeNeve Wrote:Joe Wrote:Pete Nice Wrote:I just had to sell more stock to pay bills. :flame: :flame: :flame:
I'd feel bad for you if I actually owned stock in anything.
my Dad was telling me how broke he is the other day, and I was like damn, shit is getting bad for everyone. I kind of felt bad for him, untill he told me he dropped about 75,000 dollars on my 15 year old sister for cosmetic surgery.
What kind of cosmetic surgery?
Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered on any plan
Which plan would you have done?
there is more that goes into selecting a plan than deductible and coverage. We'd have to see the entire plan in order to make a reasonable decision
Pete Nice Wrote:LeNeve Wrote:Joe Wrote:Pete Nice Wrote:I just had to sell more stock to pay bills. :flame: :flame: :flame:
I'd feel bad for you if I actually owned stock in anything.
my Dad was telling me how broke he is the other day, and I was like damn, shit is getting bad for everyone. I kind of felt bad for him, untill he told me he dropped about 75,000 dollars on my 15 year old sister for cosmetic surgery.
What kind of cosmetic surgery?
crooked teeth, braces wouldn't work I guess. they had to break her jaw, and straighten her mouth out or something.no medical reason to do it. purely for looks. Which is fine I guess.
Pete Nice Wrote:I just balanced my checkbook, get paid on Friday. I am a broke motherfucker. I hate living paycheck to paycheck. Tonight sounds like a good night to work on my resume and a raise letter.
You should go back to school for Network security. Then you can hunt down Chinese kids and beat them up.
Pete Nice Wrote:Joe Wrote:Pete Nice Wrote:I just had to sell more stock to pay bills. :flame: :flame: :flame:
I'd feel bad for you if I actually owned stock in anything.
Will mortgage companies give a one time payment deferral? I could really use a skip on March's payment.
They might now. I know when I was laid off BOA told me to suck it when I asked for that. I think your buddy Obama came down on them about them being dicks after they got bailed out. I got a letter 2 years later asking me if I needed help.
Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered on any plan
Which plan would you have done?
Shouldn't this great new Obamacare make everything free for us now?
NussieT Wrote:Joey. Hows the gf feeling?
Feeling a bit better, but her boob keeps getting bigger. :high5:
Derick Wrote:Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered on any plan
Which plan would you have done?
there is more that goes into selecting a plan than deductible and coverage. We'd have to see the entire plan in order to make a reasonable decision
Everything is the same between the plans except the deductibles. percentage covered after deductible is met, out of pocket max
$500 deductible 100% after deductible, out of pocket max $500- $292 out of paycheck every 2 weeks
$1,200 deductible 90% after deductible, out of pocket max $4,000- $233 out of paycheck every 2 weeks
$2,000 deductible 80% after deductible, out of pocket max $6,000- $133 out of paycheck every 2 weeks
Joe Wrote:Pete Nice Wrote:Joe Wrote:Pete Nice Wrote:I just had to sell more stock to pay bills. :flame: :flame: :flame:
I'd feel bad for you if I actually owned stock in anything.
Will mortgage companies give a one time payment deferral? I could really use a skip on March's payment.
They might now. I know when I was laid off BOA told me to suck it when I asked for that. I think your buddy Obama came down on them about them being dicks after they got bailed out. I got a letter 2 years later asking me if I needed help.
My mortgage is with PNC Bank, I think they turned down bailout money.
I think I might call this week and see if I can do that, once (if) things get better, I can always pay a few hundred extra to offset the interest.
I just hope the people I work for keep payng for my insurance.
Donginator Wrote:Derick Wrote:Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered on any plan
Which plan would you have done?
there is more that goes into selecting a plan than deductible and coverage. We'd have to see the entire plan in order to make a reasonable decision
Everything is the same between the plans except the deductibles. percentage covered after deductible is met, out of pocket max
$500 deductible 100% after deductible, out of pocket max $500- $292 out of paycheck every 2 weeks
$1,200 deductible 90% after deductible, out of pocket max $4,000- $233 out of paycheck every 2 weeks
$2,000 deductible 80% after deductible, out of pocket max $6,000- $133 out of paycheck every 2 weeks
do you go to the doctor a lot? are you prone to illness? if yes, then you should probably take the most expenisve plan, if you dont ever go, then take the cheapest one. keep in mind you can change this ever november. So if life events happen that dictate you needing to see a doctor more often you can make changes accordingly
Donginator Wrote:Derick Wrote:Donginator Wrote:The thing that hit us the most this year is adding my fiance to my health benefits (excluding the fact I am way underpaid, especially living in the tri-state area)
There are 3 options for the medical benefits, we did the one with the highest deductions & lowest deductible. everything is covered 100% after $500 deductible. Also most of my paycheck is gone!
The one were the deductions are the lowest has a $2,000 deductible & everything is covered 80% after the deductible is met
Also should note, no lab/x-rays/scans are covered on any plan
Which plan would you have done?
there is more that goes into selecting a plan than deductible and coverage. We'd have to see the entire plan in order to make a reasonable decision
Everything is the same between the plans except the deductibles. percentage covered after deductible is met, out of pocket max
$500 deductible 100% after deductible, out of pocket max $500- $292 out of paycheck every 2 weeks
$1,200 deductible 90% after deductible, out of pocket max $4,000- $233 out of paycheck every 2 weeks
$2,000 deductible 80% after deductible, out of pocket max $6,000- $133 out of paycheck every 2 weeks
Health insurance is an absolute joke and the entire healthcare industry is bleeding us all dry while a few get rich. We all like to blame Obama, or the Dems or the Repubs, but in reality, it is the greedy ass healthcare execs who are jacking the cost of medical supplies for no reason, then jacking the price of healthcare in order to cover that, it's like double dipping. But Obama and the politicians allow them to do it and don't even try to create legislation to offset it. If we did not have a baby, I would seriously consider dropping healthcare for a year or two. I think about 40% of what my wife makes goes to healthcare and we still have bills rolling in from the birth in July for $50, $150, $220, etc. It is fucking bullshit.