Register FAQ / Rules Forum Spy Search Today's Posts Mark Forums Read
Go Back   MacRumors Forums > Mac Community > Community Discussion

Reply
 
Thread Tools Search this Thread Display Modes
Old Nov 3, 2008, 09:54 PM   #1
rpaloalto
macrumors 6502a
 
rpaloalto's Avatar
 
Join Date: Sep 2005
Location: Palo Alto CA.
$400 health insurance deductible

My Wife and our 2 Children used to have duel coverage. Her insurance was the primary and my insurance was the secondary or co insurance. So my wife decided to leave work to be at home more, for the kids. We did not think that my insurance alone was going to be so much different.

I just got home from the Dr. I had to actually turn down some testing he wanted to do. Turns out I have a $400 deductible and the MRI he wants would be really expensive. If I have to pay $400 I don't want to pay so close to the end of the year. I think my insurance renews each year in February.

So now I'm scared, Thats a lot of money. all in one shot.
When we had duel coverage we had virtually no big bills unless it was some big hospital emergency, or my daughters birth.

My wife keeps pointing out that unlike here insurance which was costing her $180 a month for all 4 of us. Which was deducted from her paycheck.
My union pays for all of us. All I pay is my $35 monthly union dues.

What do you think
$25 for a normal office visit . If any tests need to be done or special treatment like therapies. I have to pay the first $400 then the insurance will begin to kick in and pay for 75%

$75 emergency room visit no deductible and they pay for I think 80%

vision we get $200 a year per person
Dental is $25 office visit with think 60% coverage up to $1500

The reason I ask is because next year I will have the option of switching from ppo to a all in one kaiser family plan that will pay for almost everything. I have heard some bad things about Kaiser hospitals. My wife likes the ppo option of seeing any Dr. she wants
Any one with experience with kaiser?
__________________
Mac Pro, ACD, 2 iMacs, Dell Mini Hackintosh, iBook g3, eMac, iPhone + several iPods
rpaloalto is offline   0 Reply With Quote
Old Nov 4, 2008, 05:37 AM   #2
Rodimus Prime
Banned
 
Join Date: Oct 2006
400 dollar deductible sounds almost cheap.

check into what is the max you have to pay in a year. It could be like $1500 per person and $3000 per family. After that point it is a 100% as long as you are in network.
It might be a lot better than you think.
Rodimus Prime is offline   0 Reply With Quote
Old Nov 4, 2008, 07:35 AM   #3
velocityg4
macrumors 68040
 
velocityg4's Avatar
 
Join Date: Dec 2004
Location: Georgia
Wow a $400 deductible is really good. If the max out of pocket is also good I would keep it.

As for Kaiser vs PPO look at both the annual max out of pocket and the deductibles when making your choice. Also remember Kaiser can mean many more hassles than a PPO.

With Kaiser you have to get your general physician to recommend you see a specialists before you can go to a specialist. It can take many visits and losses of your valuable time before getting to see the specialist if the general physician decides to run tests and try treating you first. While with most PPO's you chose which doctor you see. For instance if your foot hurts you can go straight to a Podiatrist.

Basically with Kaiser you have to get approval for everything. With a PPO you have more power over the doctor and specialist you see as long as they are within your network, usually PPO's will still pay a percentage for out of network doctors.

The only time I would recommend Kaiser is if budget necessetated it or it is simply far cheaper. Mainly this is if you are paying for your own family/individual plan Kaiser is hands down the cheapest for what you get or if that is all an employer offers.
__________________
Quadra 650 040 33MHz 72MB RAM, 2GB HD, 2x CD
Macbook C2D 2.0Ghz; 3GB RAM, 500GB HD
Home Made i5 4.0Ghz, GeForce 560 Ti, 16GB RAM, 256GB SSD RAID 0, 3TB HD RAID 0 in a G5 Case.
velocityg4 is offline   0 Reply With Quote
Old Nov 4, 2008, 08:19 AM   #4
letsgorangers
macrumors 6502
 
Join Date: Jul 2006
Location: TN
A $400 deductible is definitely on the low end. When I was looking for individual insurance plans, the deductibles were around $1000 AND the cost per month was around $300. I would keep this.

Also, I can definitely relate to money being tight (I'm a grad student!) but if your doc thinks you need an MRI, it might be wise to go ahead with it. If the reason for the MRI isn't really serious, maybe you can discuss the option of getting it once the new insurance year starts over.
letsgorangers is offline   0 Reply With Quote
Old Nov 4, 2008, 08:24 AM   #5
edesignuk
Moderator emeritus
 
edesignuk's Avatar
 
Join Date: Mar 2002
Location: London, England
I don't understand it...here we have the NHS, which is of course completely free. Since you don't have that I realise it's not really relevant.

I also have private care through my companies AXA policy. I think it's ~50 a month for my wife and me, if we need to see anyone, or get anything done, it doesn't cost a penny.
__________________
edesignuk is offline   0 Reply With Quote
Old Nov 4, 2008, 08:24 AM   #6
iGary
Guest
 
Join Date: May 2004
Location: Randy's House
$400 a month is definitely reasonable.

Mine is $250, but it is with a $450 a month premium that my company pays half of.
iGary is offline   0 Reply With Quote
Old Nov 4, 2008, 10:26 AM   #7
velocityg4
macrumors 68040
 
velocityg4's Avatar
 
Join Date: Dec 2004
Location: Georgia
Quote:
Originally Posted by edesignuk View Post
I don't understand it...here we have the NHS, which is of course completely free. Since you don't have that I realise it's not really relevant.
Well not exactly free. The national health care system is payed for through taxes. While we don't have those taxes to deal with we instead have to pay for our own insurance. So the question is what percentage of your income goes into taxes to pay for your healthcare? Or is it a flat rate.

If it is a percentage of income, it seems unfair that someone making a high income should be forced to pay for the medical expenses of someone else.
__________________
Quadra 650 040 33MHz 72MB RAM, 2GB HD, 2x CD
Macbook C2D 2.0Ghz; 3GB RAM, 500GB HD
Home Made i5 4.0Ghz, GeForce 560 Ti, 16GB RAM, 256GB SSD RAID 0, 3TB HD RAID 0 in a G5 Case.
velocityg4 is offline   0 Reply With Quote


Reply
MacRumors Forums > Mac Community > Community Discussion

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Similar Threads
thread Thread Starter Forum Replies Last Post
Why doesn't health insurance work as well as other insurance? ElectronGuru Politics, Religion, Social Issues 46 Oct 19, 2013 05:32 AM
What is your health insurance cost? samiwas Community Discussion 50 Feb 2, 2013 10:58 AM
Texas Insurance Storm Damage Deductible $ vs %? Huntn Community Discussion 2 Nov 20, 2012 12:27 PM
Health Insurance Coverage ayeying Community Discussion 1 Jul 2, 2012 02:13 AM

Forum Jump

All times are GMT -5. The time now is 07:18 AM.

Mac Rumors | Mac | iPhone | iPhone Game Reviews | iPhone Apps

Mobile Version | Fixed | Fluid | Fluid HD
Copyright 2002-2013, MacRumors.com, LLC