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Health Insurance shenanigans

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Monsieur_Patate
Posts: 1393 - Karma: 4,303
So, I got a job in the US, and my employer offers health insurance, I don't know anything about this, because France. Please help me out.

I have two options:

A: $128/bi-weekly deduction- $2000 deductible
B: $158/bi weekly deduction- $500 deductible

On top of that I can add dental+vision for $13 bi-weekly deduction- $50 deductible for dental.

The way is see it is I'm getting raped because I'm 25 and healty, basically never go to the doctor. So there's a solid 99% chance I will pay 3-4k a year and never need it, but you never know!


Questions:

- If I understand correctly: if I have a small emergency like a few stitches or whatever, deductible+copay will still be higher than the likely cost, so I'll have to pay 100%, right?

- The only scenario in which I will be glad I took an insurance is for something serious, if I need surgery following a nasty car accident or something, right?

- Does it seem like a good deal compared to your average U.S health insurance?

- I'm leaning toward option A because there's a 99% chance I won't need it, and if I do need it, the $1500 difference in deductible is going to be the least of my concerns, since it would likely mean I'm in bad shape. Also it makes me save $900 a year, so I'll quickly make up for that deductible difference. Am I right in my reasoning?

Pretty scary stuff to be honest, even paying 4k a year on insurance, you get shitty coverage.

Thanks, here are some tits for your trouble:

Dec 11 2015 11:41PM
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SamtheEagle
Posts: 1658 - Karma: 713
Option A is probably better in my opinion. High deductible "catastrophic coverage" is generally better for young healthy people. Like you said if you have a bad accident then the 1500 bucks isnt your biggest issue. In the US we have some seriously messed up health care issues. Enjoy figuring it out.
Dec 11 2015 11:51PM
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skierman
Posts: 8061 - Karma: 4,780
Why the fuck did you move to the U.S.?
Dec 12 2015 12:00AM
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Skibumsmith
Posts: 5414 - Karma: 11,608
skiermanWhy the fuck did you move to the U.S.?


Yeah dude you fucked up. Welcome to America's fucked up healthcare system.
Dec 12 2015 12:02AM
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Deepskier
Posts: 3267 - Karma: 4,818
Monsieur_PatateThanks, here are some tits for your trouble:



Thank you good sir go to canada tho but actually do plan A
Dec 12 2015 12:43AM
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skierman
Posts: 8061 - Karma: 4,780
SkibumsmithYeah dude you fucked up. Welcome to America's fucked up healthcare system.



"Derrr I love a high risk of injury activity like park skiing so I'm going to move to the U.S. where if you experience injury which is most likely to happen, I'll risk being in debt for life and most likely bankrupt by next season."


There's a reason why U.S. park skiers are the best. Its because in the U.S. its literally a life or financial death situation every time their skis leave the snow. Don't be an idiot and move to Scamdinavia.
Dec 12 2015 2:20AM
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Turner.
Posts: 1986 - Karma: 11,881
Single payer healthcare got me like

Dec 12 2015 2:36AM
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Rennis_Deynolds
Posts: 2739 - Karma: 19,061
The referenced post has been removed.


in what, 14 years?
Dec 12 2015 11:24AM
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cornholio
Posts: 3952 - Karma: 3,057
is everything else the same between the two plans? maximum out of pocket is something i strongly consider when comparing plans
Dec 12 2015 2:04PM
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Tinga
Posts: 11349 - Karma: 2,333
young healthy people are subsidizing old fat sedentary people and they have the nerve to call us the selfish generation.
Dec 12 2015 2:13PM
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Monsieur_Patate
Posts: 1393 - Karma: 4,303
cornholiois everything else the same between the two plans? maximum out of pocket is something i strongly consider when comparing plans


Thanks for the advice man, that's the thing, I don't really know what to look out for.
There is a difference between the two, out of pocket limit is $4000 for plan A and $3000 for plan B. Once again my reasoning is that if I ever reach that amount then it means I'm likely eating through a tube, so that $1k difference won't matter much, especially since I save $900 a year by picking plan A, I save that difference in no time.

skierman"Derrr I love a high risk of injury activity like park skiing so I'm going to move to the U.S. where if you experience injury which is most likely to happen, I'll risk being in debt for life and most likely bankrupt by next season."


First of all I don't ski park much, being from France, there's the entire mountain to shred. Also I didn't move here for skiing (eat coast), I just seized an opportunity. I love skiing but it's not all there is in my life. I'll try to put in some days this winter, but I'm expecting it to suck in comparison of the alps, no high hopes here. I'll keep it mellow, so most likely won't get hurt.

I'm young and I want to see the world you know. I've experienced living abroad in the past and it's definitely a great experience as well as a huge resume plus. So I figured why not, let's try the U.S. for a while.

Thanks for the input everyone, +k.
Dec 12 2015 4:46PM
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skierman
Posts: 8061 - Karma: 4,780
Monsieur_PatateI just seized an opportunity. I love skiing but it's not all there is in my life. I'll try to put in some days this winter, but I'm expecting it to suck in comparison of the alps, no high hopes here. I'll keep it mellow, so most likely won't get hurt.

I'm young and I want to see the world you know. I've experienced living abroad in the past and it's definitely a great experience as well as a huge resume plus. So I figured why not, let's try the U.S. for a while.

Thanks for the input everyone, +k.


If you wanted to explore the world, you should have moved to Canada. They have better and more varied terrain, free healthcare and they don't have Donald Trump.
Dec 17 2015 11:48PM
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PeppermillReno
Posts: 4748 - Karma: -565
skiermanIf you wanted to explore the world, you should have moved to Canada. They have better and more varied terrain, free healthcare and they don't have Donald Trump.


Did you finally finish that bachelors degree that took you 10 years skierman? Hope so didn't you say you haven't skiied since 2012?


Donald Trump is the reason Americans can go to Canada and shred for pennies on the dollar btw you better believe my ass gonna be taking LOTS of ski trips to western Canada and the Alps and splashing my dollars in their shitty ass currency if he wins :).


Hilary wins and I'll be sticking continental our buck isn't going to buy shit anywhere.
Dec 18 2015 12:01AM
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PeppermillReno
Posts: 4748 - Karma: -565
Ski now ask questions later if you have 'anything' to actually lose then you can afford health insurance and shouldn't be on this thread (and embrace ending the day in one piece.)
Dec 18 2015 12:19AM
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deleted5
Posts: 14507 - Karma: 13,500
Go on reddit insurance don't ask nsg this is probably the worst place to ask.
Dec 18 2015 2:05AM
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