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Health Insurance Cost gone up? Annual...

Chalanachithram.com DB » New TF Industry Related » Archive through November 05, 2017 » Health Insurance Cost gone up? Annual benefits update time!! « Previous Next »
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Mikkymouse
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Posted on Thursday, November 02, 2017 - 05:42 pm:       


Mrhyderabad:




HSA ki loose avvamu, carry avuthundi and vere vallaki kooda ivvachu . Year ki before tax 6750 some thing veyyachu, company vadi 1200 poga remaining amount Chala mandi contribute chestaru.so future purpose ke kadu Tax purpose ki kooda use avuthundi
Nuvve unna kannulatho mare vanka choodanani reppa venuka ninne ella kaalam dhachani...
 

Mikkymouse
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Posted on Thursday, November 02, 2017 - 05:38 pm:       


Mrhyderabad:




Maaku eeroje vachindi email. Last year 600 for Cigna , same coverage $700 anta ippudu . HSA ki , $100 every month HSA account lo vestadu company vadu, Adi same undi
Nuvve unna kannulatho mare vanka choodanani reppa venuka ninne ella kaalam dhachani...
 

Analog
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Posted on Thursday, November 02, 2017 - 05:33 pm:       


Cinejeevi:

I am switching to HSA this year



Best option.

I switched to HSA last year 450 per month pre tax, high co-pay ayina kuda, we end up paying less.


Ipc302:

HSA lo $1500 saving sesthe daanitho ee deuctible, medicines gatra paying seyyochu emo ani....



Yes

Mrhyderabad:

HSA tax deductible?


Plus employer contribution 1000-1200

Trump medical plan lo 10K chesinattunnadu. Max HSA limit for 2016 was 6500
 

Andhrawala
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Posted on Thursday, November 02, 2017 - 05:23 pm:       


Mrhyderabad:

HSA tax deductible?


yepp.

Just like 401K
No Signature
 

Ipc302
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Posted on Thursday, November 02, 2017 - 04:57 pm:       

https://money.usnews.com/money/personal-finance/mutual-funds /articles/2015/05/18/the-triple-tax-benefit-of-health-saving s-accounts

An HSA allows account owners to pay for current health care expenses and save for those in the future. Its first advantage is that contributions are tax-deductible, or if made through a payroll deduction, they are pretax. Second, the interest earned is tax-free. Third, account owners may make tax-free withdrawals for qualified medical expenses.
 

Mrhyderabad
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Posted on Thursday, November 02, 2017 - 04:39 pm:       

HSA tax deductible?
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Ipc302
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Posted on Thursday, November 02, 2017 - 04:33 pm:       


Gochi:

HSA lo money podhu,it gets carried over to the next year...FSA lo u will lose the money if u dont use it...please check again correctly...



my bad it is FSA that I am planning to put money in...u r right HSA lo Money will be carried over to next year
 

Gochi
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Posted on Thursday, November 02, 2017 - 04:25 pm:       


Ipc302:

only draw back is u forfeit the money if you dont use it but good news is they three extra months to use in 2019




HSA lo money podhu,it gets carried over to the next year...FSA lo u will lose the money if u dont use it...please check again correctly...
 

Cinejeevi
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Posted on Thursday, November 02, 2017 - 04:13 pm:       

maaku copay and coinsurance plans slight ga perigayi ee year.

HSA lo 2700 family deductible. kakapote 1500 vallu istaru kabatti max 1200. FSA teesukokundaa (yearly 800) unte saripotundemo.. one year try cheddam ani decide ayya
gajaanaam manda buddhsha, sarpaaNa mati nidrataa
brahmaNaanaa manEkatvam, tribhillOkOpakaarakam !!
 

Teenmaar
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Posted on Thursday, November 02, 2017 - 04:12 pm:       


Oceanseven:

Enti mee county lo okka provider kooda ledaa ?




not even single provider. Only option is high mark with 70% cost sharing and 1500 per per month per family and 15 k deductible.


Another option is change the county.. rent another house.
 

Ipc302
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Posted on Thursday, November 02, 2017 - 04:09 pm:       

Nen bhi health savings account opening cheddamu an thinku thunna...anyway premiums anni pay chesaka deductible is 2000$ per family...so HSA lo $1500 saving sesthe daanitho ee deuctible, medicines gatra paying seyyochu emo ani....
only draw back is u forfeit the money if you dont use it but good news is they three extra months to use in 2019
 

Cinejeevi
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Posted on Thursday, November 02, 2017 - 03:54 pm:       

I am switching to HSA this year
gajaanaam manda buddhsha, sarpaaNa mati nidrataa
brahmaNaanaa manEkatvam, tribhillOkOpakaarakam !!
 

Jalsa
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Posted on Thursday, November 02, 2017 - 03:51 pm:       

Yes it increased this year. What are your deductibles and out of pocket maximum?
 

Oceanseven
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Posted on Thursday, November 02, 2017 - 03:49 pm:       


Teenmaar:

just got off with bluw cross blue shield, No money in the world can buy insurance in our county. Period. !!!


Maa county lo only BCBS oka ten plans list chesaadu

Enti mee county lo okka provider kooda ledaa ?
 

Teenmaar
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Posted on Thursday, November 02, 2017 - 03:47 pm:       


Oceanseven:

Ilaa kooda jarugudhaa ?




just got off with bluw cross blue shield, No money in the world can buy insurance in our county. Period. !!!
 

Brodipet_baadshah
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Posted on Thursday, November 02, 2017 - 03:46 pm:       

aaa Obamagaadu chesina pentaa idhanthaa...daridrapugottu sannaasi...thuuth!!
 

Oceanseven
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Posted on Thursday, November 02, 2017 - 03:45 pm:       


Teenmaar:

no insurance available in my county.


Ilaa kooda jarugudhaa ?
 

Oceanseven
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Posted on Thursday, November 02, 2017 - 03:43 pm:       


Bobby:

eppati lage

https://www.healthcare.gov/


Thanks brother, ee site thappa verey maargam ledhaa ? Can't we buy directly from the provider ?
 

Teenmaar
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Posted on Thursday, November 02, 2017 - 03:41 pm:       

no insurance available in my county. I said what if i want to pay 20k per month.. they said still you can not but any insurance. sorry.. try 2019


What is happening
 

K805
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Posted on Thursday, November 02, 2017 - 03:36 pm:       

Health insurance also mafia..all plans not available in all states. Only one or two providers available n we need to choose from them only.

1. Health Insurance is must as per affordable care act
2. The min plan (for family of 4, if you take individual not from company) starts from $900 per month
3. As per affordable care act kids must have dental plan too..

Why it is not choice rather mandatory?

Insurance companies are officially looting common man ...
 

Bobby
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Posted on Thursday, November 02, 2017 - 03:23 pm:       


Oceanseven:

Okay, basic question now, Individual plans ekkada konochu ?




eppati lage

https://www.healthcare.gov/
 

Oceanseven
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Posted on Thursday, November 02, 2017 - 02:38 pm:       

Okay, basic question now, Individual plans ekkada konochu ?
 

Andhrawala
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Posted on Thursday, November 02, 2017 - 02:20 pm:       


Mrhyderabad:

never used HSA/FSA till date
manam oka 2000 pakkana pedithe if you don't use some of it then you lose it ani vinna.. so never explored
also, whatever you used also you have to submit bills ani annaru... antaa chesinaa annual savings will be very less
did i miss anything?




Flex lo pettina money - use it or loose it

HSA is Health Savings Account. Premium ki paychesina money aithee once the year is gone its gone. adhe HSA Lo money you use it life long. Just like 401K it stays with you even if u leave the job
No Signature
 

Mrhyderabad
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Posted on Thursday, November 02, 2017 - 01:59 pm:       


Biggboss:

Kaiser HMO plan


ee HMO plans ki some major disadvantage edo vinnaa.,.don't remember now

anyway, we don't have kaiser listed as an option

Only Aetna, United Health, Cigna anta for 2018
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Biggboss
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Posted on Thursday, November 02, 2017 - 01:56 pm:       

220 per month, Kaiser HMO plan, 10$ co-pay, 100$ emergency oka vela hospital lo admit avuthey 250$, labs and x-rays free
 

Mrhyderabad
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Posted on Thursday, November 02, 2017 - 01:55 pm:       


Andhrawala:

There company contributes around 1000 to HSA and you can contribute premium difference between 700 and that one. Say the HSA Plan is 450 you can put the savings of 250 or 3000 into HSA. SO you have 4000 to use for the full year


never used HSA/FSA till date
manam oka 2000 pakkana pedithe if you don't use some of it then you lose it ani vinna.. so never explored
also, whatever you used also you have to submit bills ani annaru... antaa chesinaa annual savings will be very less
did i miss anything?
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Andhrawala
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Posted on Thursday, November 02, 2017 - 01:38 pm:       


Mrhyderabad:

Btw, i have always used Aetna for more than 10 years... or there are any better ones like UHC or Cigna etc in terms of network coverage




You can explore High deductible Plan. There company contributes around 1000 to HSA and you can contribute premium difference between 700 and that one. Say the HSA Plan is 450 you can put the savings of 250 or 3000 into HSA. SO you have 4000 to use for the full year
No Signature
 

Stellar
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Posted on Thursday, November 02, 2017 - 01:35 pm:       

trump edo chesadu annaruga.. enduku perigayi?
 

Boeing747
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Posted on Thursday, November 02, 2017 - 01:31 pm:       

cigna vadi premiums baga increase ayyayi for 2018
 

Optionsgenius
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Posted on Thursday, November 02, 2017 - 01:27 pm:       

Dental vision tersidobbandi..elagu dental problems Anni India lo avuthayei
 

Mrhyderabad
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Posted on Thursday, November 02, 2017 - 01:23 pm:       


Amaravathi:

$700 ki Individual kuda raadhu...forget about adding family


ante small desi consultancy through policy ayithe that may be true

big companies get heavy discounts on mass volume kadaa

i have been paying 550 or so per month for family of 4 for Aetna PPO 90% option

now it is almost 700

Btw, i have always used Aetna for more than 10 years... or there are any better ones like UHC or Cigna etc in terms of network coverage
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein
 

Stellar
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Posted on Thursday, November 02, 2017 - 01:17 pm:       


Mrhyderabad:

Family ki 700 per month




good price
 

Amaravathi
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Posted on Thursday, November 02, 2017 - 01:16 pm:       

depends on ur zipcode... and in VA , $700 ki Individual kuda raadhu...forget about adding family
Dharmam gelavani Chota... Tappadhu Kathula veta ... thappu oppedho.. samharam tarvatha !!
 

Mrhyderabad
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Posted on Thursday, November 02, 2017 - 01:14 pm:       

I guess annual health and other benefits renewal/update time is around the corner for most of us... i was checking the options and see that health insurance cost has gone up ?

Family ki 700 per month for 90% plan from aetna or cigna

Is that too high or normal?

What do you pay? Are you also in the process of renewing? see any change?
Don't say you don't have enough time. You have exactly the same number of hours per day that were given to Helen Keller, Pasteur, Michaelangelo, Mother Teresea, Leonardo da Vinci, Thomas Jefferson, and Albert Einstein

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