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Advice on insurance premiums

Posted by on Feb. 18, 2013 at 2:54 PM
  • 11 Replies
Looking for advice on finding a decent/cost effective insurance plan. We're currently covered under DHs work plan, which has/had decent coverage. However, we use found out that Aetna is again raising our premiums ($1369/month - which is more than $200 more than our mortgage payment!) and our coverage continues to get trimmed. Co-pay went from $25 to $30 for PCP, $50 to $60 for specialists, and now we have in-network coverage only, so I need to find a new cardiologist and OB/Gyn.

Most plans I've seen have very high out of pocket limits or high co-pay - or no maternity coverage (we're not planning a 2nd child yet but my 1st was a surprise). I could kick myself - I had a great individual policy pre-baby for $84/month that had better coverage. But bc I declined maternity at the time (to save $34/month), I switched to my husband's policy for a whopping $410/month when I found out I was pregnant. And premiums have skyrocketed the last 2.5 years. Is this an across the board issue, or am I just not looking at the right plans? Anyone have a great insurance policy that's not their primary monthly expense?
by on Feb. 18, 2013 at 2:54 PM
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Replies (1-10):
slw123
by Member on Feb. 18, 2013 at 9:05 PM

We used to have Aetna and they did the same thing to us.  I really felt like it was a bait and switch.  We had really low premiums and $10 copays.  I literally paid $10 to have my first child.  By the time we had our second things had changed.  Finally it was so ridiculous that our company dropped them. 

Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent.  All well visits and preventative care visits are free.

SFLMom33
by on Feb. 18, 2013 at 9:31 PM
I'll look into United - thanks!
MissyB1011
by Bronze Member on Feb. 18, 2013 at 10:09 PM
We have Blue Cross/Blue Shield thru DH's work. It is a pretty decent plan, but I know his work covers part of the monthly cost.

When we were considering finding our own health insurance, we talked to the agent where we bought our life and car insurances. If you have someone like that, they may be able to give you a proposal.
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AllofFive19
by Bronze Member on Feb. 18, 2013 at 10:30 PM

What plan do you have that well visits and preventative care visits are free? Don't you have to meet the deductible for that? 

Quoting slw123:

We used to have Aetna and they did the same thing to us.  I really felt like it was a bait and switch.  We had really low premiums and $10 copays.  I literally paid $10 to have my first child.  By the time we had our second things had changed.  Finally it was so ridiculous that our company dropped them. 

Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent.  All well visits and preventative care visits are free.


Juniper53098
by on Feb. 18, 2013 at 11:05 PM

We've always used the insurance offered by either my employer or DH's.

slw123
by Member on Feb. 19, 2013 at 9:45 AM

No, I don't have to meet deductibles.  The well visits are completely free, so my annual Pap smear trip to the OB/GYN is free, skin cancer screening at the dermatologist is free, kids annual checkups are free.  The only time we have to pay our co-pay is when we call to get in because someone is sick.

It's the United Healthcare Choice Plus plan (it also say Well Choice) on it.

There ARE deductibles, but I don't have to meet them to get the free well visits.    I think our family deductible is $1500.  Fortunately no one here is sick or has a chronic health issue (knock on wood).

Quoting AllofFive19:

What plan do you have that well visits and preventative care visits are free? Don't you have to meet the deductible for that? 

Quoting slw123:

We used to have Aetna and they did the same thing to us.  I really felt like it was a bait and switch.  We had really low premiums and $10 copays.  I literally paid $10 to have my first child.  By the time we had our second things had changed.  Finally it was so ridiculous that our company dropped them. 

Unfortunately I don't know of a private insurance that would be cheaper, but right now we have United Healthcare and it is pretty decent.  All well visits and preventative care visits are free.



AllofFive19
by Bronze Member on Feb. 19, 2013 at 9:52 AM

That one looks like an employer plan. 

Quoting slw123:

No, I don't have to meet deductibles.  The well visits are completely free, so my annual Pap smear trip to the OB/GYN is free, skin cancer screening at the dermatologist is free, kids annual checkups are free.  The only time we have to pay our co-pay is when we call to get in because someone is sick.

It's the United Healthcare Choice Plus plan (it also say Well Choice) on it.

There ARE deductibles, but I don't have to meet them to get the free well visits.    I think our family deductible is $1500.  Fortunately no one here is sick or has a chronic health issue (knock on wood).


flowerfunleah
by Member on Feb. 19, 2013 at 12:37 PM

Good luck to you!

allyn9
by Carey on Feb. 19, 2013 at 8:00 PM

We have United Healthcare and it's costs have also gone up in recent years, but it is still better than many of the plans out there.

mrswillie
by Member on Feb. 20, 2013 at 7:27 AM

I'm sorry, I am no help. I would just start calling around.

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