Wednesday, October 28, 2009
The cost of health Insurance
I received my benefits pamphlet this week to go over so I can be ready to make my choices next month during open season. Boy was I shocked by the changes. They say that the cost will be lower for most employees. I found out that I am not most employees. My biweekly premium is going up by 30 dollars a pay period. If that is not bad enough, the insurance is going from a 90/10 to an 80/20! My deductible is going up from 600 dollars to 1000 dollars and my max out-of-pocket is going up to 8000 dollars. This new plan is now going to cost me over the year 12800 dollars, over 1000 dollars a month. But what can you do except take what they offer. At least I have insurance.
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After all is said and done, it turned out that the insurance is going to be actually 30 dollars less per month in premiums but in the end it still comes out of my pocket with the deductable and the max out of pocket. I went ahead and took out a secondary to help with the rising costs.
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