FTE Couples Medical insurance

[vatchesa]

Couples iddaru same company ki FTE apudu medical insurance edi opt chestaru

family insurance plan or individual ? Which has more pros

[CuteDesiGal]

Family and there will be an option to select spouse is also employee 

[vatchesa]

17 minutes ago, CuteDesiGal said:

Family and there will be an option to select spouse is also employee 

Family option lo, Spouse working ani pedite inko $2k extra charge avutundi

[Peter123]

Family, also covers your wife, and for your wife job, no need to include you as dependent and can claim that money in salary, telling them no benefits on w2 and need claim extra salary. 

 

[Spartan]

me wife ki skip cheyi ne plan lo add chesko..

[kichikamukavu]

Individual is better . in most cases you pay very less if you choose individual ( most companies only pay some amount to employee ) . 

How ever do your math

2 * individual  cost or family option  which ever is cheaper . since you both work for same company there is no change in coverage .

[vatchesa]

57 minutes ago, Peter123 said:

Family, also covers your wife, and for your wife job, no need to include you as dependent and can claim that money in salary, telling them no benefits on w2 and need claim extra salary. 

 

Ardam kaledu ba

 

51 minutes ago, Spartan said:

me wife ki skip cheyi ne plan lo add chesko..

Apudu $2k adugatademo kada

[Peter123]

47 minutes ago, vatchesa said:

Ardam kaledu ba

 

 

in your insurance add your wife, for wife job insurance benefits dont add, and dont take any insurance, ask extra pay since there's no insurance benefits for your wife job bro. 

Your job W2- with benefits

your wife job - w2 with no benefits, example they give 90k plus benefits, tell no benefits needed and give 100k W2, 

 

 

[Covid]

26 minutes ago, Peter123 said:

in your insurance add your wife, for wife job insurance benefits dont add, and dont take any insurance, ask extra pay since there's no insurance benefits for your wife job bro. 

Your job W2- with benefits

your wife job - w2 with no benefits, example they give 90k plus benefits, tell no benefits needed and give 100k W2, 

 

 

Ala ivvaru emo…do you know for sure?

[Peter123]

2 minutes ago, Covid said:

Ala ivvaru emo…do you know for sure?

yep. i worked that way in the past, there wasnt any need for my insurance benefits, i got covered, i demanded my employer i dont need ins, rather i will take extra in my sal. 

 

[Peter123]

1 hour ago, vatchesa said:

Ardam kaledu ba

 

Apudu $2k adugatademo kada

why $2k, it depends on the plan you opted with your emp ins provider, 

cheap plan teeskunte you have to pay more out of pocket, 

prem plan teeskunte you dont have to pay much from out of pocket, 

how muh you have in your HSA ? any contrubutions ? if you have good hsa then just take the basic plan. 

plan opting depends on your health savings, and your health overall, (like how many visits you do, ) do you or your family have any health issues, ila chala factors meedha depend avtadi, not sure what your extra $2k mean here ?

 

 

[Pitta]

4 hours ago, Spartan said:

me wife ki skip cheyi ne plan lo add chesko..