2010 Health Insurance
It’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.
- 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?