January 2012 Weddings
Penguin129
member
Dear Community,
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.
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.
Glimmer of Hope- Insurance Stuff
I went to the Dollar Tree yesterday to get something and there were 2 health insurance agents wearing Florida Blue set up at a booth. They asked me if I had Health Insurance and I told them I didn't and I had to wait until November to sign up. They told me they could sign me up and I could get coverage starting in November. They also said I could get the subsidy even though I can get coverage (although at $1,000/mth) with H's employer. I texted H what I was doing and he told me to leave. I was so upset because they were telling me I could get coverage starting in November with subsidies for $125/mth with really great copays and a low out of pocket cost. I've been looking into what they were telling me and I'm confused. I'm not sure what they were telling me is true. I'm so upset.
Re: Glimmer of Hope- Insurance Stuff
Blame the recent recession for crappiy Healthcare coverage.... employers (businesses) had to save money wherever they could.
It's just about open enrollment season, take a look at previous medical visits.... how often were they made? The $100 a month plan may have better coverage but if your husband never went to the doctor you just spent 1200 a year for "nothing" when you could have only spent 600 with the cheaper plan. If a cheaper plan has a higher deductible look into getting a flexible spending account to make paying the deductible easier. I highly recommend getting a FSA, they take the total amount you want to contribute and divide it up to equal payments that come out of each check. I don't know about you but for us 500 bucks is more affordable when it's 50 bucks a month over 10 paychecks instead of one lump sum.
I can explain fsa's more but it's 4:30 and sleep is calling. LOL
I wouldn't look at an FSA unless you have known annual expenses. You lose any money you put in them at the end of the year if you don't use it all.
If you don't tend to have a lot of doctor visits during the year (I don't mean wellness visits, those are generally covered), look at getting a high deductible health plan and then funding the HSA that you can get. Those funds are yours to keep no matter if you change plans, companies, etc. I have one and my intention is to fund it up to the max out of pocket and stop. In my case, there's even an investment option where the funds grow (hopefully) on their own.
Some people even use them as a way to stash some extra retirement funds or to help cover health care expenses when they get older.
We have an HSA with P's work. It carries over and it's very helpful. His work does contribute to it as well to help make up for the crappy insurance. Our insurance barely covers anything until we meet our deductibles and it's a $6000 family deductible so we don't hit that unless something major happens. Which means we pay for insurance every month and all doctor visits. The only thing they have covered this year is part of the lab work for me. I was thinking of looking into Obamacare but we should meet our deductible next year with the baby.