Health Benefits

[Weasel]

Who do you use? The firm I'm joining has a group plan, but it's going to cost me $1,269.00 per month for a family of four. That's nuts. Any suggestions out there?

 

[brokerboy]

kill your family or make your wife work. if she gets a basic job you can all go on her plan.

 

[ethos]

Consider HSA plan. It costs just over $200/month for a family of 4 if you are in your 30th. After you meet $4800 deductible they cover %80 or 70% depending on the plan. In the worst case the total of your payments will be about $10,000 per year (tax free). If you don't get sick it's less then $3000. It's also employer independent!

I use Nationwide Insurance in California. Blue Shield also has similar plan.

Steps:
- get high deductible plan eligible for HSA
- open HSA account to be able to get tax free benefits

Here is financial part:
http://www.msabank.com

 

[Weasel]

Good one brokerboy. The wife hasn't worked in 10 years. I suggested it just for the benefits, but I doubt it will be happening. As for killing them. I would, but I don't think they have broadband or DSL hookups in jail for me to trade online.

 

[Ebo]

What state are you in?

 

[Weasel]

New Jersey

 

[monee]

See Horizon Blue Cross Blue shield web site


Family policy traditional plan

10,000 deductible per person
50% coinsurance after that
after 15,000 out of pocket they pay 100% of all usual and customary charges

Maximum family deductible 20,000.

$612.91 Per month


Sounds outrageous but its sort of like disaster protection

 

[WarEagle]

Quote from Weasel:

New Jersey

Yeah, I think they have broadband in prison there...

 

[thetraderprofit]

He says there is no internet in prison.

 

[kiwi]

We were living in NJ and had a small business plan with Horizon Blue Cross. Cost about $650 per month for family of 4.
Was set up as a spousal business and all we had to do was sign papers stating that wife worked in business about 60% of time.

It was a pretty good plan.

PM me if you want a contact

Stuart