h******i
发帖数: 282 | 1 请问Boeing同事, which 2011 medical insurance plan is better? My situation is
both me and my husband work, have one 3 year old kid. My husband's health
care plan is not good, $1000+ deductible for him alone per year. So I add
him and my kid to my plan through Boeing every year. I am using Regence-
Select Network Plan EPO this year (not very sure why I chose it, it was
always a pain for me every year to pick a plan.)
After reviewing our options for 2011, I think our health care plan for 2011
is much worse than 2010, right? All "thanks to" Obama's health care reform :
( The cost will be pass on to employees. That sucks!
I did compare the 3 options we have, seems the traditional plan is much
worse than last year, because it has 10% co-insurance that can be up to
$2000 per person. But if one does not spend that much, for example, only
spend $3300 per year, then the co-insurance is not that bad, only $300 ((3300-300deductible) * 10%) besides the $300 deductible, right? Although it is hard to estimate the medical cost in the future. I am a pessimist and tend to prepare for the worst if I can so I think this might not fit me.
I am leaning toward to choosing between HMO and select network EPO, which one is better? Our family are generally healthy with miner health problems like
慢性鼻炎. No serious health issues. From the Boeing's plan comparison tool,
seems those two are almost the same, but HMO has higher paycheck deductible
than EPO, I wonder why? Anyone has insights?
Any help would be greatly appreciated! Thanks so much! | h******i
发帖数: 282 | 2 版上几位在Boeing工作的大侠 说说看? 谢谢!
我一看到 Traditional plan out of pocket expense could be up to $2000 per person on top of the deductible 就晕了, 资本家真狠毒 , some of the provisions of obama's health plan reform won't take effect until several years later but they already start charging employees. | b******y
发帖数: 9224 | 3 boeing is not bad anyway, better than a lot of smaller companies. |
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