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10-28-2021, 09:57 AM | Topic Starter |
Life is changing..
Join Date: Jul 2012
Location: NW Missouri
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Health Insurance
My company is changing up providers for the health insurance they offer this upcoming year, and the options are pretty lackluster.
I know diddly dick about trying to find private health insurance, but surely someone on here has some knowledge to share. Where do I look? What would constitute "good coverage" in your opinion? Any suggestions welcome. |
Posts: 40,407
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10-28-2021, 10:02 AM | #2 |
In Search of a Life
Join Date: Mar 2006
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Don't bother. The private options will either be shit or too expensive to seriously consider.
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Posts: 22,274
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10-28-2021, 10:57 AM | #3 | |
Veteran
Join Date: Apr 2007
Location: JoCo
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Quote:
Unless your company has zero employer cost share (very doubtful), you simply are not going to find a better product/price on your own. For what it’s worth, you can see how much your employer pays vs. what you pay on your W-2. Source: while I currently work in forecasting/reserving, I used to work in health insurance pricing. |
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Posts: 3,475
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10-28-2021, 10:03 AM | #4 |
Arrowhead Trail of Tears
Join Date: Oct 2012
Location: KansasCity
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Always hate when an employer changes providers
They usually try to tell the employees its for their benefit but it's always for the benefit of the company |
Posts: 29,305
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03-04-2024, 01:24 PM | #5 |
In Search of a Life
Join Date: Jan 2016
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Well, it is for the employees benefit, directly or indirectly. You have to be competitive for whatever product you sell and non revenue producing cost like employee benefits need to be competitive to gather and retain employees, but they also need to be cost effective. If you aren't looking for more economical options on a yearly basis, you are doing your employees and company a disservice.
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Posts: 27,641
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10-28-2021, 10:04 AM | #6 |
That's just f***in' stupid
Join Date: Aug 2000
Location: suburbia
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These guys are helpful and a better option than the gub'ment run exchanges (gub'ment = ****tards) IMO
They rank/rate based upon options customers really care about, then link you directly to the providers https://www.nerdwallet.com/blog/health-insurance/ |
Posts: 12,355
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10-28-2021, 10:05 AM | #7 |
Bono & Grbac wasn't enough
Join Date: Oct 2000
Location: Sioux City, IA
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Bend over and provide thy anus
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Posts: 36,409
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10-28-2021, 10:05 AM | #8 |
Life is changing..
Join Date: Jul 2012
Location: NW Missouri
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Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????
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Posts: 40,407
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10-28-2021, 10:11 AM | #9 |
"You like to drink?"
Join Date: Jun 2006
Location: "I like to drink."
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Posts: 43,904
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6 0 |
10-28-2021, 10:11 AM | #10 |
Bono & Grbac wasn't enough
Join Date: Oct 2000
Location: Sioux City, IA
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Posts: 36,409
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10-28-2021, 10:14 AM | #11 |
Praise Him
Join Date: Aug 2000
Location: none ya
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company provided plans are usually better bargains than private. You can compare coverage and cost including out of pocket and deductibles against your company provided coverage
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Posts: 12,198
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10-28-2021, 10:19 AM | #12 |
Supporter
Join Date: Apr 2007
Location: Scott City KS
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If they’re supplementing it at all it’s likely better than you can get elsewhere. There is some non-insurance group cost sharing stuff that sounds a little too good to be true ish, but no way I’m doing that.
If it’s bad enough start looking for a better job. |
Posts: 57,702
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10-28-2021, 10:30 AM | #13 |
Life is changing..
Join Date: Jul 2012
Location: NW Missouri
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Ehhh. I just got a pretty massive promotion. I'll stick it out with shit health insurance if needed.
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Posts: 40,407
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10-28-2021, 10:35 AM | #14 |
Hung off the Night Train
Join Date: Nov 2013
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It's all a racket
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Posts: 16,722
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10-28-2021, 10:37 AM | #15 |
Andy Reid Supporter
Join Date: Apr 2012
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Don’t get Aetna. They are the worst
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Posts: 47,716
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