2010 Health Insurance

Posted by Mrs Money on November 17th, 2009

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Medical OfficeIt’s open enrollment time for health insurance at my work. I’ve got two days left to change my mind, but I think I’m pretty set with what I’ve got. I do have to say that I hate changing and I wish they would just keep the same darn plans from year to year. This year they limited our options to two High Deductible Health Plans, and two PPOs.  With the PPO I’ll be paying $74.95 a paycheck, or $1948.70 a year. I don’t think that’s too bad at all.  I decided to go with the PPO, even though the cost each paycheck was considerably higher.

Here’s why:

  • If we get pregnant and have a baby this year, with the HSA plan, I’d have to pay everything out of pocket up to a $3,000 deductible; then I pay a 20% coinsurance. With the PPO, I pay a one time $20 copay at my first doctor’s appointment to confirm pregnancy, and then I pay 20% coinsurance for the hospital.
  • The deductibles are a low: $250 for individual, and $500 for family.
  • The copay for a general doctor is $20, and a specialist is $40.
  • I am a little Type A personality, and the thought of having a $3,000 deductible and paying all the doctor bills myself scares me!
  • I used my insurance pretty regularly this year between doctor visits, chiropractor, etc.  I don’t want to feel that I have to limit my visits to save money.

I do think that High Deductible Health Plans are great, but I’m afraid to do one for us right now.  There are just too many variables in 2010.

What kind of health insurance do you have?

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6 Responses to “2010 Health Insurance”


  1. Kacie says:

    We have an HMO. It costs $250/month for the three of us, which I think is pretty darn good. It has $20/copays and $30 for specialists.

    BUT. It’s amazing for the big-ticket things. I had surgery this summer and I didn’t even have a copay for it. It was outpatient and totally covered.

    Also, my childbirth class ($250) was fully reimbursed. And my midwife care, prenatal checkups and ultrasounds, and delivery and hospital stay were SO cheap. My end was $280 for all of that.

    The bill was $10k, and insurance picked up most of that. With a PPO I’d have to pay at least $2k.

    So even though it’s a little more per month than a high deductible plan would be, I just think it’s worth it and probably saves us in the long run.

    [Reply]

    Mrs Money Reply:

    Wow! Now I am thinking my insurance is kind of crappy. I’m a little mad they are only offering HDHP and PPOs. Blah!

    Yours rocks. I can’t believe all you had to pay was $280. That’s great!

    [Reply]

  2. Tiffanie says:

    Ah, sadly I am without health insurance right now. I am unemployed at the moment!! Argh! My hubby and I moved to Boulder, CO a couple weeks ago and I’ve not found employment yet. (Him either…) I know it can take longer than two weeks but I’m so antsy!!

    Before though- I was the only one covered. I had a $1000 deductible and $30 copays with $15 generic drug copay. I paid too much per check (every 2 weeks they took like 100-something) and there was no way we could afford to add my hubby to the insurance. It’s so frustrating! Even though I had insurance, I never went to the doctor or chiropractor because we still couldn’t afford it.

    [Reply]

    Mrs Money Reply:

    Tiffanie!! I LOVE Boulder!! That is my absolute favorite place in the world. Please go eat at Bim Bamboo. We had the best meal there ever and it is not too expensive!

    I hope you both can find employment soon. I will keep my fingers crossed for you. Enjoy Boulder!

    [Reply]

  3. I think you are wise to go with the better health plan. We have a PPO and it’s great — and having lower deductibles is a blessing, especially if you’re thinking about a baby! (Now that’s an exciting project!)

    NOW I have to say Thank You for your kind words about our house! She is indeed a loved and happy old gal — a little in need of paint and some work on her shutters, but hey, we all have our issues, right?

    Have a lovely Thanksgiving.

    Cass

    [Reply]

    Mrs Money Reply:

    Thanks for stopping by and for the comment! I am happy I found your blog. :)

    I am hoping the baby project comes along nicely in 2010. :)

    [Reply]



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