Life Health Insurance

TLO · 10-28-2021, 09:57 AM

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.

BryanBusby · 10-28-2021, 10:02 AM

Don't bother. The private options will either be shit or too expensive to seriously consider.

**TribalElder** · 10-28-2021, 10:03 AM

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

HC_Chief · 10-28-2021, 10:04 AM

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/

**ptlyon** · 10-28-2021, 10:05 AM

Bend over and provide thy anus

TLO · 10-28-2021, 10:05 AM

Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????

Discuss Thrower · 10-28-2021, 10:11 AM

Quote:

Originally Posted by TLO

Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????

Health insurance is just like football. You have to pay for the fatties because that's the market.

**ptlyon** · 10-28-2021, 10:11 AM

Quote:

Originally Posted by TLO

Oh wow!!! Look at this really good plan... For $686 a month!!!! WTF is this shit?????

Somebody has to pay for all the free shit

King_Chief_Fan · 10-28-2021, 10:14 AM

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

**Buehler445** · 10-28-2021, 10:19 AM

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.

TLO · 10-28-2021, 10:30 AM

Quote:

Originally Posted by Buehler445

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.

Ehhh. I just got a pretty massive promotion. I'll stick it out with shit health insurance if needed.

bdj23 · 10-28-2021, 10:35 AM

It's all a racket

RunKC · 10-28-2021, 10:37 AM

Don’t get Aetna. They are the worst

kepp · 10-28-2021, 10:38 AM

As others have said, you're very unlikely to find a better deal than your company-provided insurance.

Are you in good health? You might want to consider (if they offer it) a high deductible HSA plan. A lot of companies contribute to their employees' HSAs annually and your contributions can be pre-tax. If you can swing it, an HSA provides multiple tax benefits. And it typically comes with lower premiums.

Third Eye · 10-28-2021, 10:57 AM

Quote:

Originally Posted by BryanBusby

Don't bother. The private options will either be shit or too expensive to seriously consider.

This, and only this.

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.

10-28-2021, 09:57 AM
TLO Life is changing.. Join Date: Jul 2012 Location: NW Missouri Casino cash: $1924900	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: 38,910

10-28-2021, 10:02 AM	#2
BryanBusby In Search of a Life Join Date: Mar 2006 Casino cash: $3789900 VARSITY	Don't bother. The private options will either be shit or too expensive to seriously consider.
Posts: 22,200	2 0

10-28-2021, 10:03 AM	#3
TribalElder Arrowhead Trail of Tears Join Date: Oct 2012 Location: KansasCity Casino cash: $2420441	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: 29,152

10-28-2021, 10:04 AM	#4
HC_Chief That's just f***in' stupid Join Date: Aug 2000 Location: suburbia Casino cash: $3687107	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/ __________________ "Gentlemen, you can't fight in here, this is the war room!"
Posts: 12,355

10-28-2021, 10:05 AM	#5
ptlyon Bono & Grbac wasn't enough Join Date: Oct 2000 Location: Sioux City, IA Casino cash: $13113829	Bend over and provide thy anus __________________ ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Advertise here: $19.99 a month
Posts: 33,554	3 0

10-28-2021, 10:14 AM	#9
King_Chief_Fan Praise Him Join Date: Aug 2000 Location: none ya Casino cash: $5905486	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 __________________ No Jesus No Peace Know Jesus Know Peace Ephesians 2:8-10 English Standard Version (ESV) 8 For by grace you have been saved through faith. And this is not your own doing; it is the gift of God, 9 not a result of works, so that no one may boast. 10 For we are his workmanship, created in Christ Jesus for good works, which God prepared beforehand, that we should walk in them.
Posts: 12,179	1 0

10-28-2021, 10:19 AM	#10
Buehler445 Supporter Join Date: Apr 2007 Location: Scott City KS Casino cash: $2324734	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: 56,780

10-28-2021, 10:35 AM	#12
bdj23 In my youth i pray to keep Join Date: Nov 2013 Location: Clown World Casino cash: $2729850	It's all a racket
Posts: 15,738

10-28-2021, 10:37 AM	#13
RunKC Andy Reid Supporter Join Date: Apr 2012 Casino cash: $2259611	Don’t get Aetna. They are the worst __________________ Mike Greenberg@Espngreeny I can’t fathom what it must be like to be a fan of the #Chiefs. Adopt a Chief: Noah Gray
Posts: 46,074

10-28-2021, 10:38 AM	#14
kepp MVP Join Date: Aug 2005 Casino cash: $5379212	As others have said, you're very unlikely to find a better deal than your company-provided insurance. Are you in good health? You might want to consider (if they offer it) a high deductible HSA plan. A lot of companies contribute to their employees' HSAs annually and your contributions can be pre-tax. If you can swing it, an HSA provides multiple tax benefits. And it typically comes with lower premiums.
Posts: 14,492