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gim2 members compare health insurance costs

Ensoniq

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Silvergun

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I have Kaiser, which my employer covers 100% including my wife. Other dependents (kids) they cover 80% and I have to cover 20%.

It is a high deductible plan, which I think is $4000 for a family. After that everything is covered. The copays are high (around $80-120 depending), but it counts towards the deductible. My work also funds a HSA (health savings account) for each employee, so technically nothing is out of pocket until you have kids here. I believe its the best healthcare compared to our competitors in the Civil Engineering / Land Surveying field.

I have a great job, which is awesome and I am truly blessed, but its also one of the main reasons I stay in California...so somewhat of a double edged sword. I also dont really want to get a survey license in another state all those exams kicked my a$$!!!!!!
 

<SLV>

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Not really. If I have a major hospital expense...

1. The hospital will instantly cut the bill in half when they find out I don't have insurance
2. They will agree to a payment plan that will be no more per month than I would have been paying for insurance

Why make the payments until I need to make payments?

But dental? With four kids I get more back from dental insurance than I pay in -- by far. This is worth paying for.
 

Fiat Metaler

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Ensoniq

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Not really. If I have a major hospital expense...

1. The hospital will instantly cut the bill in half when they find out I don't have insurance
2. They will agree to a payment plan that will be no more per month than I would have been paying for insurance

Why make the payments until I need to make payments?

But dental? With four kids I get more back from dental insurance than I pay in -- by far. This is worth paying for.

Cunning strategy.