Originally Posted by
Aviat0r
What do people think of the health insurance generally?
Seems to be pretty standard, UHC. Not awful, but not stellar. A couple different options. Basically a higher premium PPO and a lower premium HDHP. The HDHP is eligible for a HSA contribution from the company. Since I'm younger, single, no dependents, always had good health, I go for the cheapest HDHP. One time I saw someone do sort of a breakdown between the family PPO and the family HDHP assuming a hypothetical hospital event. I think the consensus was the HDHP plus HSA was an overall better value unless you're constantly seeing specialists and getting costly prescriptions, since even the PPO requires a bit out of pocket before it kicks in.
Anyway. I think the insurance is decent. I haven't had to use it, so I don't have any experience on that end. Seems to be pretty typical in terms of a group plan. My ex was a teacher and I think also had UHC, they offered the same plans, deductibles, out of pocket maxes, and I think the rates were similar too. I wouldn't say it's stellar, like some companies that cover 100% health benefits. But it's not the worst coverage I've heard of.
Young single guy in good health with the cheapest plan, I think I'm paying around $50/paycheck? The family PPO plan was a lot more obviously, like $300-400 a paycheck. I have a little bit of short term disability as a just-in-case, long term is covered by the company, and I have dental which is only a few bucks per paycheck. I didn't get any of the other supplemental stuff, or that Harvey Watt insurance. I also contribute $25/paycheck to my HSA, so it ends up being $600 annually (to match the $600 company contribution for singles; contribution is $1200 for family). So all in, I'm about $160 per month. If you get the family HDHP or the PPO, it will be significantly more. Maybe $800-900 per month depending what all you add on.