Spirit health insurance cost
10-16-2018, 08:40 PM
#11
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Joined APC: Jun 2014
Posts: 924
Republic went through the same transition to offering a low premium plan when I was there. The old plan reliably dropped in enrollment every year. They literally called it the "Legacy" plan. The only people who kept it were families with very unusual medical circumstances who couldn't take the hit to the max out of pocket terms. Everyone else didn't need or want it. If you had other plans besides the Diamond plan before this year you absolutely should look at the Diamond plan and do the math to decide if it's better for you.
10-16-2018, 09:06 PM
#12
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Joined APC: Oct 2017
Posts: 3,008
Originally Posted by Flightcap
Republic went through the same transition to offering a low premium plan when I was there. The old plan reliably dropped in enrollment every year. They literally called it the "Legacy" plan. The only people who kept it were families with very unusual medical circumstances who couldn't take the hit to the max out of pocket terms. Everyone else didn't need or want it. If you had other plans besides the Diamond plan before this year you absolutely should look at the Diamond plan and do the math to decide if it's better for you.
10-17-2018, 04:29 AM
#13
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Joined APC: Jun 2014
Posts: 924
Originally Posted by Halon1211
I like the monthly premiums on the diamond plan, however I feel like I could end up paying a lot everyone we go to an office visit. I believe it says 10% after your deductible is meet for the diamond plan. My daughter is going to the pediatrician a lot right now so I feel like all those bills can add up.
However, one of the interesting differences between the B plan and the Diamond w/HRA is the fact that you have to subtract $3000 from the out of pocket max in the Diamond plan. So a quick comparison says that if you are going to max out your benefits with both plans your total out of pocket expenditure will be $4,500 with the Diamond plan, $7,950 with the A plan, $3,598 with the EPO, and $3,000 with the B plan that we can't get anymore. That's only a difference of $1,500 for the lower premium to make up. I haven't yet done the math to figure out the total yearly cost with premiums included but the Diamond plan has more going for it than you see at first glance.
10-17-2018, 05:39 AM
#14
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Joined APC: Oct 2010
Posts: 4,603
Originally Posted by Halon1211
I like the monthly premiums on the diamond plan, however I feel like I could end up paying a lot everyone we go to an office visit. I believe it says 10% after your deductible is meet for the diamond plan. My daughter is going to the pediatrician a lot right now so I feel like all those bills can add up.
If you have a healthy year and don’t go through the $3000 it rolls to the next year and you get another $3000 the next year which could cover your entire deductible and some or all of your 10% coinsurance.
10-17-2018, 07:03 AM
#15
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Posts: 1,464
My daughter was born 5 months ago. I've gone to dermatologists, audiologists, at least 8 pediatrician visits and my wife had some complications as well.
we've used $250 from our HRA and about $270 out of pocket for prescriptions. That's it.
we've used $250 from our HRA and about $270 out of pocket for prescriptions. That's it.
10-17-2018, 08:06 AM
#16
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Joined APC: May 2011
Posts: 996
Originally Posted by elmetal
My daughter was born 5 months ago. I've gone to dermatologists, audiologists, at least 8 pediatrician visits and my wife had some complications as well.
we've used $250 from our HRA and about $270 out of pocket for prescriptions. That's it.
we've used $250 from our HRA and about $270 out of pocket for prescriptions. That's it.
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
10-17-2018, 08:24 AM
#17
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Posts: 1,464
Originally Posted by RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
I can't say too much regarding things like surgeries and whatnot, but so far I am very very impressed with the Diamond plan
10-17-2018, 08:27 AM
#18
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Joined APC: Mar 2011
Posts: 704
Originally Posted by RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
FWIW we are going through the same family building process as well.
(I could be looking at it completely wrong too)
10-17-2018, 08:33 AM
#19
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Joined APC: Oct 2010
Posts: 4,603
Originally Posted by RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
Also, how come nobody talks about the EPO? I know it's one network but I've been using the UHC network for 10+ years and I've never gone to a doctor or specialist that doesn't take the insurance. Is there some other kind of pitfall there I'm not seeing?
Email them and see if they can send you a copy
10-17-2018, 09:01 AM
#20
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Joined APC: Jul 2015
Posts: 242
Originally Posted by RgrMurdock
Anyone have any comparisons between the A and diamond if you're going through something relatively high cost like a pregnancy and a surgery in the same year? I clearly understand the benefits of diamond if you're not expecting anything big in the following year but if you are expecting some high bills are you better to go with the A plan?
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