Group Health Policies

[caligas]

What kind of plans is everyone getting these days?

We pay like $25k per year for family plan HSA compatible HMO (7k more for PPO) Guess I’m an HMO guy now.

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[aneftp]

What kind of plans is everyone getting these days?

We pay like $25k per year for family plan HSA compatible HMO (7k more for PPO) Guess I’m an HMO guy now.

What state are you in?

Many polices are determined by state regulations so New York is much more expensive than other states.

 

[SRYSPAC]

What kind of plans is everyone getting these days?

We pay like $25k per year for family plan HSA compatible HMO (7k more for PPO) Guess I’m an HMO guy now.

Any chance you can send a link to a sample of this plan? Planning ahead for when I am no longer on COBRA and need to shop on the exchange ~ Just need a place to start looking since the options are probably numerous!

 

[Simba1711]

I paid around 1100 a month as a single for my medical plan in my private practice. Nyc btw. It was such a ripoff. They increased the price after I left too. In academics now.

 

[deleted1130227]

The “average” cost of a family plan is about $25-30K per year these days. How much of that cost is borne by the employer/vs the employee is the question.

 

[ambiturner]

What kind of deductibles does a 25-30k plan get you? Every hospital health plan I’ve ever been on I’ve typically had to pay 1-3k out of pocket for an ED visit or small procedure, but usually capped out around 5k for big things like births/NICU stays. Never had a major hospitalization or surgery.

Seems like friends with insurance through big corporations get a better deal since I assume they have more negotiating power.

 

[sethco]

For comparison sake, Large AMC in Texas. My HSA plan premium is ~7k/year for family with 2k individual and 4k family deductible. Out of pocket max is 4.5k individual, 9k family. The company uses HSA bank for contributions. I thought my premiums were high, but I guess not compared to others nationally. I remember the good old days of paying almost no premiums for the Cadillac PPO plan during residency

 

[deleted1130227]

For comparison sake, Large AMC in Texas. My HSA plan premium is ~7k/year for family with 2k individual and 4k family deductible. Out of pocket max is 4.5k individual, 9k family. The company uses HSA bank for contributions. I thought my premiums were high, but I guess not compared to others nationally. I remember the good old days of paying almost no premiums for the Cadillac PPO plan during residency

What does the AMC contribution towards your policy premium? That number + your 7k was what I was referring to when I said 25-30K

 

[sethco]

What does the AMC contribution towards your policy premium? That number + your 7k was what I was referring to when I said 25-30K

Good point, but no idea what they contribute. You're probably right though

 

[chessknt]

What kind of plans is everyone getting these days?

We pay like $25k per year for family plan HSA compatible HMO (7k more for PPO) Guess I’m an HMO guy now.

Just looked from last year and total cost (employer + employee) for my **** tier ERISA plan was 29000 last year with deductible of 6k OOP max 9k and everything is out of network/denied with no state level protections because of ERISA.

I took care of somebody on a Healthshare a few months ago--had to leave out the fact that THC use probably contributed to the issue, avoided testing due to concerns it wouldn't be covered, and he didn't show up for follow up due to cost concerns. They also never paid me for the visit either. While my **** tier insurance is indeed **** it at least is a real insurance plan, the healthshare alternatives are complete nonsense, total scam which makes sense considering who supports them.