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Andhrawala
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Username: Andhrawala

Post Number: 13887
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, August 20, 2012 - 12:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

or else see kvrao.org who gives some plans to residents also

Those are much cheaper but atleast something
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Andhrawala
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Username: Andhrawala

Post Number: 13886
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, August 20, 2012 - 12:13 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Acf:

I checked ehealthinsurance and posted two plans in my initial post.

ehealthinsurance guys told me that there is no HSA option for NJ guys.
$1250 is ok but for 1250 the benefits are not great. $5000 deductible for a family before insurance starts paying. s0 (12 * 1250) + 5000 = 15,000 + 5000.
so i have to spend 20K yearly. so trying for any better option.




I suggest u to move to some place in PA which is closest to NJ. or may be CT on the otherside

PA has good choices for Individual health Plans

or if ur wife is working u need to find a job for her which offers good plans

Many employees provide group plans to W2 employeess which has to be fudned fully by employee
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Acf
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Username: Acf

Post Number: 492
Registered: 01-2008
Posted From: 12.144.48.226

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Posted on Monday, August 20, 2012 - 11:39 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

ohh..usually they will send u COBRA details in mail..register avvataaniki koncham time isthaaru from the day u left the FT job..with in 120 or 180 days..dont remember exactly.





Andhrawala:

U lost that COBRA option now.

U have to opt COBRA within 90 days




i googled and found that i dont have that option now.
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Acf
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Username: Acf

Post Number: 490
Registered: 01-2008
Posted From: 12.144.48.226

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Posted on Monday, August 20, 2012 - 11:38 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Andhrawala:

which state u live??



NJ

Andhrawala:

Try ehealthinsurance. Go for HSA plan which will be cheaper

But if u think 1250 is OK (becos of higher pay now than FTE), go ahead.



I checked ehealthinsurance and posted two plans in my initial post.

ehealthinsurance guys told me that there is no HSA option for NJ guys.
$1250 is ok but for 1250 the benefits are not great. $5000 deductible for a family before insurance starts paying. s0 (12 * 1250) + 5000 = 15,000 + 5000.
so i have to spend 20K yearly. so trying for any better option.
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Andhrawala
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Username: Andhrawala

Post Number: 13882
Registered: 03-2008
Posted From: 152.51.56.1

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Posted on Monday, August 20, 2012 - 11:26 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Acf:


hmm adhi ela work avuthundho idea ledhu... last day HR cheppindhi cobra details mail chestham ani nenu pedha patinchukoledhu...

nenu FT job vadhilesi 4 months iyindhi... india ku vella...
will try to explore this cobra option. Thanks Jodhaa.




U lost that COBRA option now.

U have to opt COBRA within 90 days

which state u live??

Try ehealthinsurance. Go for HSA plan which will be cheaper

But if u think 1250 is OK (becos of higher pay now than FTE), go ahead.
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Jodhaa
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Username: Jodhaa

Post Number: 23472
Registered: 02-2008
Posted From: 69.174.58.116

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Posted on Monday, August 20, 2012 - 11:00 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Acf:

last day HR cheppindhi cobra details mail chestham ani nenu pedha patinchukoledhu...

nenu FT job vadhilesi 4 months iyindhi... india ku vella...
will try to explore this cobra option.


ohh..usually they will send u COBRA details in mail..register avvataaniki koncham time isthaaru from the day u left the FT job..with in 120 or 180 days..dont remember exactly.
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Acf
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Username: Acf

Post Number: 489
Registered: 01-2008
Posted From: 12.144.48.226

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Posted on Monday, August 20, 2012 - 11:00 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Twitter:

evaro chepparu nuv oka co register cheskoni aa co ki group insurance la theeskunte cheap paduddhani ..think in that direction



min 2 employees vunte group insurance vasthundhi... but ippudu nenu comp register chesina nenu already vere employer degara payrol lo vunta and only my wife nenu register chesina comp. lo employee avuthundhi so only 1 employee vunte ivvaru kadha group insurance?
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Twitter
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Username: Twitter

Post Number: 21862
Registered: 10-2009
Posted From: 69.126.240.254

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Posted on Monday, August 20, 2012 - 10:57 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Acf:



evaro chepparu nuv oka co register cheskoni aa co ki group insurance la theeskunte cheap paduddhani ..think in that direction
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Acf
Junior Artist
Username: Acf

Post Number: 488
Registered: 01-2008
Posted From: 12.144.48.226

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Posted on Monday, August 20, 2012 - 10:52 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

you can be on your FT insurance for 18months after job anukonta..COBRA insurance..did u check that option?




hmm adhi ela work avuthundho idea ledhu... last day HR cheppindhi cobra details mail chestham ani nenu pedha patinchukoledhu...

nenu FT job vadhilesi 4 months iyindhi... india ku vella...
will try to explore this cobra option. Thanks Jodhaa.
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Jodhaa
Megastar
Username: Jodhaa

Post Number: 23471
Registered: 02-2008
Posted From: 69.174.58.116

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Posted on Monday, August 20, 2012 - 10:44 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Acf:

6 years FT valla non-group health insurance gurinchi idea ledhu...


you can be on your FT insurance for 18months after job anukonta..COBRA insurance..did u check that option?
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Acf
Junior Artist
Username: Acf

Post Number: 487
Registered: 01-2008
Posted From: 12.144.48.226

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Posted on Monday, August 20, 2012 - 10:42 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

6 years FT valla non-group health insurance gurinchi idea ledhu...
ippudu contract job on W2 hourly accept chesa... new employer emo hourly valaku no benefits annadu not even to purchase their group insurance...

so ippudu nenu own ga insurance theesukovali so ehealthinsurace.com lo choosthe NJ lo very few plans vunnai... avi kuda too expensive...

below 2 plans lo edhi better?
1. AmeriHealth - for a family of three the premium comes to $1250 per month.

https://www.ehealthinsurance.com/ehealthinsurance/benefits/i fp/NJ/NJAmeriHealth_PPO_25_50-1010.pdf

2. UHC Oxford around $1150 but no deductible... kaani chala limitations vunnai

https://www.ehealthinsurance.com/ehealthinsurance/benefits/i fp/NJ/NJOxford_EnhancedEPO_2011.pdf

also evaranna employer through kakunda NJ lo family insurance thesukunnara? vunte kastha details isthara?

TIA.

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