Medical Insurance (Affects of Inflation)

[ZoomNaidu]

13 minutes ago, Bulls_Rose said:

baby expecting ayite PPO(80% cover after decutable) better or HMO(no deductible at all) better aha?

Yearly family out of pocket max Entha for both ?? 

HMO & Ppo cost per paycheck ? 
 

 

[manadonga]

1 hour ago, Konebhar6 said:

 

I think @manadonga meant that that person with 100k in HSA now chose the $0 Insurance with HSA option. His out of pocket max for the year for family will not be greater than 8k. For 1 person it wont be more than 4K. So they should be OK. After 65 they would have medicare, etc benefits anyway.

Yes bhayya 2023 varaki out if pocket 6k 

2024 ki 9k chesadu out of pocket 

[Bulls_Rose]

10 minutes ago, ZoomNaidu said:

Yearly family out of pocket max Entha for both ?? 

--PPO -5k

--HMO--NOt applicable (meaning they cover all)

HMO & Ppo cost per paycheck ? 

HMO--$348

PPO--$277
 

 

 

[ZoomNaidu]

32 minutes ago, Bulls_Rose said:

 

Go with hmo. 
 

 

[Konebhar6]

1 hour ago, Bulls_Rose said:

baby expecting ayite PPO(80% cover after decutable) better or HMO(no deductible at all) better aha?

Go with No deductible. Usually there will be a one time fee of $250 or something like that. Best option. ee bills vagaira tension undadu.

[Konebhar6]

1 hour ago, Bulls_Rose said:

 

Since you have cost for both, HMO is a better option for you. 

[Bulls_Rose]

22 minutes ago, Konebhar6 said:

Since you have cost for both, HMO is a better option for you. 

thanks bro. kani HMO tho specific hospital lo ne delivery avi untyi gaa appudu adi full unte manalni admit chesukokapovadam lantivi emi anna chestaru emo ani bayam 

[Konebhar6]

28 minutes ago, Bulls_Rose said:

thanks bro. kani HMO tho specific hospital lo ne delivery avi untyi gaa appudu adi full unte manalni admit chesukokapovadam lantivi emi anna chestaru emo ani bayam 

Don’t worry. They have to take. Mine and most of friends have HMO and never had issues like that.

[manadonga]

16 hours ago, ZoomNaidu said:

No insurance -> One hospital visit/surgery will wipe his 100k . Foolish decision, he should continue insurance with high deductible atleast. 

No isurance kadu insurance with zero pay per month 

like high deductible health plan 

[TechSri]

On 11/2/2023 at 8:44 PM, manadonga said:

Max out hsa it is tax free 

one of my friend max outed has for 10 yrs from bachiler time he have 100know from kids onwards he is not paying medical insurance he is choose zero insurance with hsa and not contributing to hsa as he already have 100k he is invested that so it grown alot 

HSA lo unna money ela vadukovachu. It can be only used for medical bills or other?

asalu HSA ela work avutadi. Ma mestri plan is $100 copay to specialists and high monthly premium. Hsa lo register avvala or outside edina insurance chudala. 

[manadonga]

8 minutes ago, TechSri said:

HSA lo unna money ela vadukovachu. It can be only used for medical bills or other?

asalu HSA ela work avutadi. Ma mestri plan is $100 copay to specialists and high monthly premium. Hsa lo register avvala or outside edina insurance chudala. 

Neeku mittam cheppalenu youtube lo kottu  nakanna baga cheppe vallu dorukutaru 

nee insurance ayithe adi nee needs and requirements batti vundali

i will prefer hsa plans over others but nee company elanti plan vunnayo nakaithe telidu 

[phatposts]

18 hours ago, Bulls_Rose said:

husband and wife both full times offering medical inurance ayiter. both on one insurance beteter aha or separte ga tesukovatam better aha??

or who ever better insurance atite adi tesukovatam better aha?

naa case lo separate is better. 

Maa insurance lo "Spouse Premium" ani okati untundi. If spouse has access to work place benefits and decided not to use them, then I have to pay extra money on top of the insurance. That comes to be approx $1500 per year. So we decided to keep separate since her insurance is also pretty good. This component started in the last 2 years for me.

[prince143]

On 11/4/2023 at 8:51 AM, phatposts said:

naa case lo separate is better. 

Maa insurance lo "Spouse Premium" ani okati untundi. If spouse has access to work place benefits and decided not to use them, then I have to pay extra money on top of the insurance. That comes to be approx $1500 per year. So we decided to keep separate since her insurance is also pretty good. This component started in the last 2 years for me.

I'm in a similar situation. I wanted to add my spouse to my plan as she is contracting right now and the insurance provided is not that great.

But my plan now charges 100$ per month extra as a surcharge for adding her(since she had benefits from her employer).

Any chance I can avoid this surcharge? How will they know if my wife does receive benefits?

 

 

[phatposts]

28 minutes ago, prince143 said:

I'm in a similar situation. I wanted to add my spouse to my plan as she is contracting right now and the insurance provided is not that great.

But my plan now charges 100$ per month extra as a surcharge for adding her(since she had benefits from her employer).

Any chance I can avoid this surcharge? How will they know if my wife does receive benefits?

 

 

IDK how they will check. 

Ilanti vishayallo when/if they audit it gets very nasty and anni kalipi vasool chestaru. I would rather not lie on these, anthe. 

[Konebhar6]

On 11/4/2023 at 5:25 AM, TechSri said:

HSA lo unna money ela vadukovachu. It can be only used for medical bills or other?

asalu HSA ela work avutadi. Ma mestri plan is $100 copay to specialists and high monthly premium. Hsa lo register avvala or outside edina insurance chudala. 

HSA has to be a part of the Medical plan you choose. Ee plans ni HSA plans ani advertise chestaru. If you enroll in these ones, you have the option to specify how much you want to contribute to HSA. Even though its your employers plan, HSA is always your account. You can spend money from it for medical expenses for your family.