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For those of you that have been following my employment situation...

I just filled out my paperwork to finally go permanent!!! My hire date is the 14th.

My insurance will go into affect on August 1st. I have never had real benefits, so I have no clue which plan I should choose.

I am excited!! This is an amazing step for this point in my career.
Posted on CafeMom Mobile
by on May. 8, 2012 at 11:26 AM
Replies (11-19):
mommytohuddy
by on May. 8, 2012 at 3:35 PM
She tried her best but....she is still adjusting to the new system.

Quoting billssweety:

 AWESOME!!!  Hopefully your HR will go over your benefits with you in detail, that is part of my job and I do and honestly it is my favorite part of my job, I love educating my FFers on their benefits!  Now that you will have them USE THEM!!!  Everyone tends to forget...LOL

Posted on CafeMom Mobile
mommytohuddy
by on May. 8, 2012 at 3:38 PM
Would you suggest a plan with a deductible that covers out of network? Or no deductible that is in network only?

Quoting billssweety:

 AWESOME!!!  Hopefully your HR will go over your benefits with you in detail, that is part of my job and I do and honestly it is my favorite part of my job, I love educating my FFers on their benefits!  Now that you will have them USE THEM!!!  Everyone tends to forget...LOL

Posted on CafeMom Mobile
Katie6382
by Ruby Member on May. 8, 2012 at 3:46 PM
Yay!!!!
Posted on CafeMom Mobile
billssweety
Report
And we are off to welcome in grandchild #3, grandson #1, Titus Jay!!!
Today at 7:56 AM
by Cyndi on May. 8, 2012 at 4:37 PM

 This is what I tell everyone, look at your personal situation.  Are you able to save, say $1500-$6000 to pay that deductable? because you should start saving right away.  Do you have an accident prone child or husband?  Are you likely to encure those costs?  If you can't save it or have accident prone family then go with the no deductible.  Are you doctor picky?  If so check with your doctors and see what plans they take, for example if you are considering having another child and you know who you want to use as an OB and the hospital, etc.  In our area EVERYONE takes an HMO and getting a referral takes 2-4 days, which is usually not an issue. 

Now I have an HMO, I have an accident prone husband who had to have major back surgery at 29 in San Fransico, the surgery was performed over 2 days and the total cost incurred to use was $15, my YDD had major kidney surgery including a specialist from UC Davis, her lung colapsed and they had to call in another specialist, we spent the first night of a 5 day hospital stay in ICU, I paid the initial $15 copay to the specialist and that was it.  So you see why I go with the HMO, along with I can't save money for anything, so the deductible thing isn't an option!!

So look at you and your situation and make the decision that best fits you and your family!!!

Quoting mommytohuddy:

Would you suggest a plan with a deductible that covers out of network? Or no deductible that is in network only?

Quoting billssweety:

 AWESOME!!!  Hopefully your HR will go over your benefits with you in detail, that is part of my job and I do and honestly it is my favorite part of my job, I love educating my FFers on their benefits!  Now that you will have them USE THEM!!!  Everyone tends to forget...LOL

 

mommytohuddy
by on May. 8, 2012 at 4:52 PM
Thank you!! That makes sense. We are extremely accident prone and do not have room in the budget to save that much.

Quoting billssweety:

 This is what I tell everyone, look at your personal situation.  Are you able to save, say $1500-$6000 to pay that deductable? because you should start saving right away.  Do you have an accident prone child or husband?  Are you likely to encure those costs?  If you can't save it or have accident prone family then go with the no deductible.  Are you doctor picky?  If so check with your doctors and see what plans they take, for example if you are considering having another child and you know who you want to use as an OB and the hospital, etc.  In our area EVERYONE takes an HMO and getting a referral takes 2-4 days, which is usually not an issue. 


Now I have an HMO, I have an accident prone husband who had to have major back surgery at 29 in San Fransico, the surgery was performed over 2 days and the total cost incurred to use was $15, my YDD had major kidney surgery including a specialist from UC Davis, her lung colapsed and they had to call in another specialist, we spent the first night of a 5 day hospital stay in ICU, I paid the initial $15 copay to the specialist and that was it.  So you see why I go with the HMO, along with I can't save money for anything, so the deductible thing isn't an option!!


So look at you and your situation and make the decision that best fits you and your family!!!


Quoting mommytohuddy:

Would you suggest a plan with a deductible that covers out of network? Or no deductible that is in network only?


Quoting billssweety:


 AWESOME!!!  Hopefully your HR will go over your benefits with you in detail, that is part of my job and I do and honestly it is my favorite part of my job, I love educating my FFers on their benefits!  Now that you will have them USE THEM!!!  Everyone tends to forget...LOL


 

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mariesmama
by Gold Member on May. 8, 2012 at 4:55 PM

thats awesome by the way i caught your video a while back awesome

mommytohuddy
by on May. 8, 2012 at 5:21 PM
Thanks :)

Quoting mariesmama:

thats awesome by the way i caught your video a while back awesome

Posted on CafeMom Mobile
billssweety
Report
And we are off to welcome in grandchild #3, grandson #1, Titus Jay!!!
Today at 7:56 AM
by Cyndi on May. 8, 2012 at 5:25 PM

 Since it seems your decision is made, I would encourage you be perssistent & patient, sometimes these plans take a little longer to get referrals approved and such, but being active with your primary care physican and patient to understand there is a process will help make things for all involved a lot easier!  Good luck and again, CONGRATS!!

Quoting mommytohuddy:

Thank you!! That makes sense. We are extremely accident prone and do not have room in the budget to save that much.

Quoting billssweety:

 This is what I tell everyone, look at your personal situation.  Are you able to save, say $1500-$6000 to pay that deductable? because you should start saving right away.  Do you have an accident prone child or husband?  Are you likely to encure those costs?  If you can't save it or have accident prone family then go with the no deductible.  Are you doctor picky?  If so check with your doctors and see what plans they take, for example if you are considering having another child and you know who you want to use as an OB and the hospital, etc.  In our area EVERYONE takes an HMO and getting a referral takes 2-4 days, which is usually not an issue. 


Now I have an HMO, I have an accident prone husband who had to have major back surgery at 29 in San Fransico, the surgery was performed over 2 days and the total cost incurred to use was $15, my YDD had major kidney surgery including a specialist from UC Davis, her lung colapsed and they had to call in another specialist, we spent the first night of a 5 day hospital stay in ICU, I paid the initial $15 copay to the specialist and that was it.  So you see why I go with the HMO, along with I can't save money for anything, so the deductible thing isn't an option!!


So look at you and your situation and make the decision that best fits you and your family!!!


Quoting mommytohuddy:

Would you suggest a plan with a deductible that covers out of network? Or no deductible that is in network only?


Quoting billssweety:


 AWESOME!!!  Hopefully your HR will go over your benefits with you in detail, that is part of my job and I do and honestly it is my favorite part of my job, I love educating my FFers on their benefits!  Now that you will have them USE THEM!!!  Everyone tends to forget...LOL


 

 

Alwaysmotivated
by Bronze Member on May. 8, 2012 at 5:30 PM

That is awesome..Congratulations.. HMO medical plan are the cheapest, but it contricts you to certain doctors within a network, you will need permission to go to a specialist. Your copays are minimal and thats it. PPO AND POS are more expensive, they may have deductibles and/or copayment but you are not required to get any kind of authorization to go to a specialist. So it depends on your situation. Hope that helps a little about insurance.. All the best too you..

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