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Health insurance advise needed...

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Secondcup08
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Username: Secondcup08

Post Number: 29
Registered: 10-2008
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Posted on Friday, April 09, 2010 - 12:49 pm:       


Maverick:




MAV,

okasari naku email cheyyu mama,konni ques vunnai e HSA meeda.
secondcup08@gmail.com

TIA
 

Sachin
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Username: Sachin

Post Number: 14648
Registered: 04-2008
Posted From: 24.187.205.230

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Posted on Friday, April 09, 2010 - 12:01 pm:       


Rekkadithe_gani_dokkadadhu:

eductable 350 ani t&c lo rsadu anuko...neeku ee frob vochina first 350 nuvvu kattali..migatavi insurance % ni batti covering..5000 bill vochindi anuko..5000-350=4650 deeniki 80-20% lu apply avutaayi..until you reach out of pocket max...after u r bill exceeds this out of pocket max 100% will be paid by insurance..




thanks rekka_bokka annai :D
 

Rekkadithe_gani_dokkadadhu
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Username: Rekkadithe_gani_dokkadadhu

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Posted on Friday, April 09, 2010 - 11:53 am:       


Sachin:


deductable 350 ani t&c lo rsadu anuko...neeku ee frob vochina first 350 nuvvu kattali..migatavi insurance % ni batti covering..5000 bill vochindi anuko..5000-350=4650 deeniki 80-20% lu apply avutaayi..until you reach out of pocket max...after u r bill exceeds this out of pocket max 100% will be paid by insurance..
నేను డిస్కొ చేసెప్పుడు..నీ కీ బోర్డ్ మాత్రమే పని చేయాలి...కాదని ఇంకా ఏది పని చేసినా నీ ఐ.పి. బ్యాన్.. ©RGD
 

Sachin
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Username: Sachin

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Posted on Friday, April 09, 2010 - 11:39 am:       


Maverick:




thanks annai.....
 

Maverick
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Username: Maverick

Post Number: 15148
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Posted From: 192.146.101.24

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Posted on Friday, April 09, 2010 - 11:09 am:       


Sachin:




idi kooda choodu..this is what i am using.

http://www.colohealth.com/blue-cross-hsa.htm
 

Sachin
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Username: Sachin

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Posted on Friday, April 09, 2010 - 11:06 am:       


Maverick:




Ok thanks....
 

Maverick
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Username: Maverick

Post Number: 15146
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Posted on Friday, April 09, 2010 - 11:02 am:       


Sachin:

thanks annai....3000 paina entha yainaa vaade kadathaadaaa..manakem sambandham ledu kada




http://www.anthem.com/wps/portal/ahplife?content_path=member /nv/f3/s2/t0/pw_a035103.htm&label=Anthem|s%20HSA-qualified%20High-deductible%20Health%20Plans

Check it..out

basic ga deductible is different from out of pocket veru..plan batti deductible can be equal to out of pocket or out of pocket may be higher than deductible..coverage begins 100% after u spend out of pocket.

nenu icchina link choodu
 

Sachin
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Username: Sachin

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Posted on Friday, April 09, 2010 - 10:57 am:       


Maverick:

u can deduct this from ur income while filing taxes. worst case u visit doctor many times, u end up using that 3000 completely..but if u dont visit, it stays with u next year and u can reduce ur contribution next year so that u pay less premium




thanks annai....3000 paina entha yainaa vaade kadathaadaaa..manakem sambandham ledu kada
 

Maverick
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Username: Maverick

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Posted on Friday, April 09, 2010 - 10:52 am:       


Sachin:

idi 3000 ne kada.




u can deduct this from ur income while filing taxes. worst case u visit doctor many times, u end up using that 3000 completely..but if u dont visit, it stays with u next year and u can reduce ur contribution next year so that u pay less premium
 

Sachin
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Username: Sachin

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Posted on Friday, April 09, 2010 - 10:47 am:       


Maverick:

enta ayyindi bill total?




naaakem thelusu.....vaadu manaki bill em ivvadu kadaaa.....nuvvu cheppina HSA edo baane undi...nenu elaaagoo 270*12 = 3200 kadathanna...idi 3000 ne kada...baane undi :D
 

Maverick
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Username: Maverick

Post Number: 15143
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Posted on Friday, April 09, 2010 - 10:45 am:       


Sachin:

last year 2 times vella specialist daggariki ..oka saari knee pain , oka saaari back pain...2 times x-ray theeyinchaaaa




enta ayyindi bill total?

basic ga nuvvu premium kadatava insurance company ki..use it or not that money is gone....ade premium vadiki kattakunda u move to HSA..deductible andulonchi pay chey when u exhaust ur deductible, u get 100% coverage.money stays with u..u can invest it like an IRA account into mfs etc..
 

Sachin
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Username: Sachin

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Posted on Friday, April 09, 2010 - 10:42 am:       


Maverick:

nuvvu ekkuvaga doctor daggaraki vellakapote? enni sarlu veltaventi?




Sachin:

generalgaa yearly oka 2-3 times visit chestha doctor ni ....body pains thappa manaki peddga rogaaalu raaavu.....



last year 2 times vella specialist daggariki ..oka saari knee pain , oka saaari back pain...2 times x-ray theeyinchaaaa
 

Maverick
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Username: Maverick

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Posted on Friday, April 09, 2010 - 10:39 am:       


Sachin:

abbo ala ayithe boka kada annai.....




nuvvu ekkuvaga doctor daggaraki vellakapote? enni sarlu veltaventi?
 

Sachin
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Username: Sachin

Post Number: 14640
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Posted on Friday, April 09, 2010 - 10:38 am:       


Maverick:




thanks annai.....
 

Maverick
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Username: Maverick

Post Number: 15140
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Posted on Friday, April 09, 2010 - 10:38 am:       


Bunty717:

enta pay chestavu month ki




wife company side coverage and i contribute full 5950$ allowed. so thats 5950/12..that money stays with me and i can use it for future expenses..say i accumulate 10k in 2 years, i can reduce my 3rd year premium by contributing only 2000(2000/12) for 3rd year.
 

Sachin
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Username: Sachin

Post Number: 14639
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Posted on Friday, April 09, 2010 - 10:36 am:       


Andhrawala:

so por wxample nuvvu doctor daggarki vellevu. instead of copay of $10 or 15 u pay pretty much the whole bill (as dicounter to ur insurance carrier). Once it crosses the deductible amt insurance will pay the bills




abbo ala ayithe boka kada annai.....
 

Maverick
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Username: Maverick

Post Number: 15139
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Posted on Friday, April 09, 2010 - 10:35 am:       


Sachin:



http://en.wikipedia.org/wiki/Health_savings_account

idi chaduvu..basic ga ur plan will be High deductible plan..and ur monthly premimums will go to a bank account..u will get a debit card..u pay ur deductibles from that...u can contribute 3000$(for 2010) from ur income per anum to this HSA account..coverage will be say 80-20...u will get 100% cover after u spend ur deductible for an year...say this year u contributed 3000$ to ur account and u didnt have a doctor visit, then that 3000$ can be carried over to next year and u can reduce ur premiums further in next year...general good health lo unna singles ki best plan idi..u can deduct taht 3k from ur earnings when u file taxes
 

Bunty717
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Username: Bunty717

Post Number: 7060
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Posted on Friday, April 09, 2010 - 10:35 am:       


Maverick:




enta pay chestavu month ki
 

Andhrawala
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Username: Andhrawala

Post Number: 2296
Registered: 03-2008
Posted From: 192.58.204.226

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Posted on Friday, April 09, 2010 - 10:33 am:       


Sachin:

annai ee deductible endi...naaku asalu ardham kaaadu..explain seyyi plssss




ee deductible anta amount nuvvu pay sesekaaa ne Insurance will start paying any claims.


so por wxample nuvvu doctor daggarki vellevu. instead of copay of $10 or 15 u pay pretty much the whole bill (as dicounter to ur insurance carrier). Once it crosses the deductible amt insurance will pay the bills
 

Andhrawala
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Username: Andhrawala

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Posted on Friday, April 09, 2010 - 10:31 am:       

Sachin mama,

Check eHealthinsurance.com

rates vary depending upon the plan

employer paln 270 per month before tax ante see what are ur tax savings.

It is kind of arnd 220 per month after tax.

so if u can get coverage with 5K deductible and per month preium of $100 it might be worth.

so basically u are buying coverage for catastrohpes
 

Sachin
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Username: Sachin

Post Number: 14637
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Posted on Friday, April 09, 2010 - 10:28 am:       


Chantodu:

25,00 deductible ettukuni monthly 65 kattuko....but if you viist than upfront 2500 pay seyyali ...




annai ee deductible endi...naaku asalu ardham kaaadu..explain seyyi plssss
 

Sachin
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Username: Sachin

Post Number: 14636
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Posted on Friday, April 09, 2010 - 10:27 am:       


Maverick:

move to HSA single health issues leni vallaki best adi..ikkada family and hsa..no issues




annai plan details cheppavaaa.....simple terms lo....health issues levu...but appudappudu body pains vachi x-rays paadu theeyistha untaaaa .....
 

Chantodu
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Username: Chantodu

Post Number: 8520
Registered: 07-2007
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Posted on Friday, April 09, 2010 - 10:27 am:       

25,00 deductible ettukuni monthly 65 kattuko....but if you viist than upfront 2500 pay seyyali ...
 

Maverick
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Username: Maverick

Post Number: 15138
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Posted on Friday, April 09, 2010 - 10:25 am:       

move to HSA single health issues leni vallaki best adi..ikkada family and hsa..no issues
 

Sachin
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Username: Sachin

Post Number: 14635
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Posted on Friday, April 09, 2010 - 10:17 am:       

single.....united healthcare vaaadiki 270$ per month kadathanna (medical+vision)....employer gaadi daggare gropu plan lo unnanu as of now....

plan

copay: office/spec/ER/URG/HOSP
15$ /30$/100$/50$/0%
Deductible applies....


idi worth enaaa?.....generalgaa yearly oka 2-3 times visit chestha doctor ni ....body pains thappa manaki peddga rogaaalu raaavu.....

inkedanna altervative unte chepppandi....ee deductible etc naaku ardham kaaavu....keep in simple words

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