Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Health Insurance
Ok so every October I get to select new insurance for our family. This year it is difficult because the plan we chose last year is dramatically higher and while we could pay the premium difference I just don't know if we really need that plan this year.
So, people that get to choose from the state insurance plans (teachers, I am pretty sure this includes you) please help me out!
I am seriously considering going with HealthChoice. We have had Aetna, BCBS, and PacifiCare in the past. No big deal, nothing ever happened where I didn't get the service I needed. I can't go with the cheap option HMO (Global) because a couple of our key doctors are not on the list and I refuse to leave them.
If you have ever had HealthChoice or know anything about them I would LOVE the input. The premium is almost $200 less per month than our current plan will be this next year. The only major difference is the non HMO status (which I like) and the deductible which I am ok with.
Thanks!!!
Re: Health Insurance
I have the Health Choice High option for H and me. His monthly premium is ridiculous ($668) and mine is mostly covered by the state ($449). It changes a little year to year.
My co-pays are $30 and $50 for specialists. Prescriptions are reasonably cheap, the dental is good, and the health deductible for me I think is either $500 or $1500...I think I'm $500 and family is $1500.
I like it for the most part, but I haven't had anything major happen. I think for my thumb and stitches and stuff it's going to be about $150 out of pocket. My last pap and annual was $33 out of pocket, if that gives you any ideas.
Thanks for the input Fuzzy... Our plan options must differ a bit because there is no out of pocket cost to us for an "annual appointment" since it is viewed as a preventative visit. Our deductible is 500 per person 1500 per family.
Thankfully our entire family will be covered on this plan at no cost to us thanks to the great allowance. Their dental plan seems like one of the higher premiums this year.
I have Health Choice High. Every provider takes it, and they've been easy to work with in terms of getting services approved or out of network claims paid.
I do get annoyed with the $50 copay for specialists, since they're all I see.
Not sure how it is for you, but it's insanely expensive to cover a family on my district's plan. There's no way we would put DH and this baby on Health Choice...they will go on DH's employer's plan. It would cost about $900 a month for me to add a baby and DH.
have you looked into private insurance? I wonder if that is cheaper. For me and the kids its around $275 a month. We have a really high deductable, but like I said in the other post, we don't really ever meet it.
I have all but had DH sign the papers to switch us for next year. I am self employed and with a preexisting condition private insurance isn't an option. DH is a state employee and they give us enough "allowance" for family insurance to cover the entire premium on this plan. We are planning to go with the high option, basic is too basic for me.
Now, I have an appt to take the dental options to my dentist. His wife has agreed to help me select that plan since their receptionist gave me sh!t for an answer last year. I am excited to have this all taken care of!
Thanks for all of the input!