| Author | Message | ||
     Megastar Username: Twitter Post Number: 24185 Registered: 10-2009 Posted From: 68.193.100.82 Rating: N/A |
HSA ani unte HSA a.c compulsory na babai leka optiona | ||
| Megastar Username: Twitter Post Number: 24184 Registered: 10-2009 Posted From: 68.193.100.82 Rating: N/A |
yeah looks like it is kaani first plan lo coins = N/A undhi maama ante enti ? aa paina heading ela interpret cheyyalo idea undha | ||
| Alochinchu Junior Artist Username: Alochinchu Post Number: 525 Registered: 03-2008 Posted From: 65.51.27.62 Rating: N/A |
Horizon BCBS theesukoni.. $5000 HSA account lo veyyi.. you can use this as deductible.. after that 100% covered.. only Rx 50% undhi after deductable.. may kontha amount add cheyyi HSA lo.. even if you have spent $1000 from HSA you still have $4000 which can used for next year.. | ||
| Saint Hero Username: Saint Post Number: 11052 Registered: 01-2011 Posted From: 65.248.129.125 Rating: N/A |
co-insurance or other...50% after deductable is met ante..meaning vaaadu only 50% pay chesthadu ana? deductible meet ayyaka 100% vaade pay chese plans ithe better kada.... naaku ithe 3rd plan koddiga better anipisthandi...aa moodu plans lo... | ||
| Megastar Username: Twitter Post Number: 24183 Registered: 10-2009 Posted From: 68.193.100.82 Rating: N/A |
ok babailu idhi choodandi oka company vadu 3 options tho quote icchadu ikka highlight chesindhi ela artham cheskovalo cheppandi http://i.imgur.com/ELdhS.png?1 brb. | ||
| Alochinchu Junior Artist Username: Alochinchu Post Number: 524 Registered: 03-2008 Posted From: 65.51.27.62 Rating: N/A |
High Deductable Prem Entha? A Low Deductable Prem Entha? B B - A = C (Diff) High Deduct Enroll ayithe mee Co. emanna contibute chestunda? D if B >= A + C + D then High Deductable is Win Win situation assuming you will be putting atleast amount C in HSA | ||
| Coolmac Hero Username: Coolmac Post Number: 16476 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Peace of mind is an abstract term...one person thinks if you have 1Mil coverage, u get peace of mind..one person thinks if he has just 100K coverage, he gets peace of mind...its relative term... In Insurance terms, what peace of mind u are gonna miss if u select high deductible?? NOTHING...just for 5-10K u lose peace of mind? I DONT THINK SO.. EVEry insurance policy is same other than deductible and co-insurance...If you are paying 50$ per month does not mean u are rejected for urgent care or something...hope u understand what is peace of mind.. | ||
| Ishan Side Hero Username: Ishan Post Number: 9722 Registered: 01-2009 Posted From: 98.194.159.57 Rating: N/A |
That depends on your deductible kada thatha...ayina nee laanti uber rich fellas ki asal itlaanti dilemmas raane raavoddu. pointee...  ...but actually there are several folks who hesitate to take insurance... but high and low deductible ante, it simply a matter of affordability....5000 ded. and 10000 ded. ki just oka 30 dollars difference vuntundi monthly....but 500 and 1000 ki oka 150 vuntundi...thread mottham chadavaledu, others might have given better replies but if you estimate more number of visits, lower ded. is useful...especially if you are visiting specialists. | ||
| Megastar Username: Twitter Post Number: 24172 Registered: 10-2009 Posted From: 68.193.100.82 Rating: N/A |
100% agree with you annai, kaani nenedho insurance avasarama ani adiginattu undhi mee answer  , high deductible or low deductible ..insurance edhaina coverage commane kadha , adhe 15k sugery cost high deductible aina cover chesthar gandha anedhi na concern anthe .. | ||
| Bunty717 Moderator Username: Bunty717 Post Number: 30274 Registered: 02-2008 Rating: N/A |
300$ ins oolu istunnaru annai.. individual ins for a family of 4 min 1200 undi.. andariki golden heart PK telusu.. naaku KF telusu.. | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4956 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
perfect... calling coolmac..vacchi edokati cheppu | ||
| Ishan Side Hero Username: Ishan Post Number: 9721 Registered: 01-2009 Posted From: 98.194.159.57 Rating: N/A |
Twitter, It all comes down to peace of mind, especially if you have kids. There is no way you can possibly correctly predict what might happen to your health in coming days. Its just like car insurance. You might have impeccable driving record, but accidents happen without your control. Same with health. A simple surgery like appendectomy can cost around 15k in this country. So whatever you saved for a year will vanish in a single day. The risk increases with more family members. HSA sounds good, but there are some limitations to it. It wont cover all medical conditions and surgeries. Do some research. Don't think in terms of wasting money- you are just buying your peace of mind, anthe. There are tons of cases where people went bankrupt because they didn't have good health insurance. Unfortunately, its the trade-off for living in this country. Health care has always been a controversial topic, thats why it takes top priority in presidential debates. Monthly oka 300-500 dollars manavi kaavu anukovaaali anthe. | ||
| Megastar Username: Twitter Post Number: 24163 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
good one..so bottom line life ins laage idhi kooda sentiment emotion based tactic ani arthamindhi | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16469 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
For some DOc payment is the last thing tehy want to worry when the kid is sick or someone in the family is sick No Signature | ||
| Megastar Username: Twitter Post Number: 24161 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
idhe nannu conpuse chesthundhi bayya .. high deductible unnantha maathrana visits thagginchukovalani emi ledhu, instead of paying in premium you will be paying deductible anthe kadha | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4947 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
+1 | ||
| Megastar Username: Twitter Post Number: 24159 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
NJ ..thx choostha. | ||
| King Side Hero Username: King Post Number: 4182 Registered: 08-2008 Posted From: 208.185.201.194 Rating: N/A |
every thing looks good on paper.but with kid I cant predict how many times I need to visit his doctor. for me..High premium ..low deductible. Ashton - I'm living an Amish lifestyle. so far so good. | ||
| Megastar Username: Twitter Post Number: 24158 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
yeah kaani biryani had a point , we have to check about co-ins , otherwise my choice is clear now. Thanks all for your inputs guys. CCDB rocks. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16464 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
which state?? try ehealthinsurance.com No Signature | ||
| Megastar Username: Twitter Post Number: 24157 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
yeah idhi compare chesi choodali HD/LD plans ki .
shopping for insurance . | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16461 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Orthopedic u pay specialist copay. X ray and MRI scan attract deductible No Signature | ||
| Sachin Legend Username: Sachin Post Number: 32147 Registered: 04-2008 Posted From: 151.151.16.20 Rating: N/A |
what if you have to visit a specialist say orthopedic for multiple X-ray and MRI scans.. share ki gross ki thedaa theliyakapothenemi...box office disco lo iragadeeyochu...excel, palakol, 292 ki ki ki... | ||
| Maverick Legend Username: Maverick Post Number: 41762 Registered: 01-2008 Posted From: 70.39.176.60 Rating: N/A |
>> paycheck nen oka cpa tho run cheisthe athanu manage chesthadantava ? adi teliyadu..i am talking abt company sponsored hsa plan Who is this DB member? | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16458 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Let's say that over the course of a year: Blue Advantage Plan A Deductible: $2,500 Monthly Premium: $283 Blue Options HSA 5000 Deductible: $5,000 Monthly Premium: $100 You see your doctor for your annual physical $15 copayment ($0 in 2011) $0 A minor accident sends you to an urgent care clinic $30 copayment $300 You fill a prescription for a generic allergy medication $120 $200 Your total out-of-pocket medical expenses: $165 $500 Your annual premium (over 12 months): $3,396 $1,200 Total annual out-of-pocket expenses: $3,561 $1,700 Money left over in your HSA account:5 N/A +$1,465 No Signature | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4944 Registered: 03-2012 Posted From: 171.159.64.10 Rating: N/A |
also u see some differences in the dental plan too... PPO lo corwn replacement ku 900$...HMO lo 1900$....same is the case with root canal and other major dental surgeries...
yes..depends on the employer...but 1st time vintunna where a company is offering both the plans in PPO... | ||
| Jalsa Hero Username: Jalsa Post Number: 17295 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
@Biryani, maaku both options PPO ne. depends on employer offering anukunta. @Twitter, are you shopping for insurance or deciding between employer offered plans? | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16457 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Twitter. mark this Bottlomline Insurance co doesnt have a magic wans for getting the money. They get group discounts and use the money collected. so if u can stash the money u can use for urself But save that additional money instead of spending out No Signature | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4943 Registered: 03-2012 Posted From: 171.159.192.10 Rating: N/A |
genrally low deduct with high premuin ante PPO plans... and high deduct and low premium ante HMO... so cost pakkana pedithe PPO plan has its own advatages like no referrals...choosing any docotr of your choice etc.... neu next week ortho specialist tho appointment theesukunna directly.. ade HMo ayithe 1st primary care doctor daggarikelli...vaadi refer chesina tharwatha specialist daggarekellai...its a saving of 20$ co pay and 1/2 business day for me as i can directlky go to a specialist | ||
| Jalsa Hero Username: Jalsa Post Number: 17293 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
sorry wrong thread | ||
| Jalsa Hero Username: Jalsa Post Number: 17292 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
6 months after tax salary ani ettuko | ||
| Jalsa Hero Username: Jalsa Post Number: 17290 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
deductible kaka co-insurance maximum kooda untadhi. choosko. at the end, kindha cheppinattu, if you have to pay deductible and co-insurance, same cost with both plans. but if you don't have to use anything, then obvious choice | ||
| Coolmac Hero Username: Coolmac Post Number: 16471 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Yup..this is called co-insurance... deductible ekkuva vunnaa parledhu...co-insurance zero vunnadhi teeskunte...unfortunate situations lo financial impact vundadhu | ||
| Coolmac Hero Username: Coolmac Post Number: 16470 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Yes.. ask about Co-insurance..its better to take 0% co-insurance..that means u pay ZERO if the expenses are more than deductible...that means..u just pay deductible limit..thats it... | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4942 Registered: 03-2012 Posted From: 171.159.192.10 Rating: N/A |
collmac cheppinattu..i never bothered to compare the plans..always will opt for low deductible plans. but recent ga parents ku insurance theesukunnappudu...high deductible with low premium plan ku after deuctible 90% coverage undi...but for low ded and high poremium plan ku 1005 covergae undi after deductible... e scenario lo medical costs ekkuva unte...high deductible lo debba paduthundi kadaa...ex: if totla cost is 100K...10% of that would be 10000...whihc we have to pay from our pocket | ||
| Jalsa Hero Username: Jalsa Post Number: 17289 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
//Twitter, at the end, you are going to pay the same amount. Calculate chesi choodu, may be year ki oka 1K diff undachu max anthey.// i mean, if at all you have to pay out of pocket, end costs will be same. otherwise, obvious ga, high premium tho ekkuva untundhi cost. | ||
| Coolmac Hero Username: Coolmac Post Number: 16469 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Nen kuda nee lage think sesaan Sexxxu ...3 yrs back I moved to basic coverage and paying 140$ for both of us now with 5K deductible..happy as of now ...insurance meedha dabbul theesi health center/fitness meedha invest cheyyali mana desis... insurance 500$ kattesi..intikochi moodu pootalu thini pottal penchithe vupayogam ledhu... | ||
| Jalsa Hero Username: Jalsa Post Number: 17288 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
Twitter, at the end, you are going to pay the same amount. Calculate chesi choodu, may be year ki oka 1K diff undachu max anthey. | ||
| Megastar Username: Twitter Post Number: 24156 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
i think that will be the same for any plan..kani good point i've to ask an agent about this | ||
| Jalsa Hero Username: Jalsa Post Number: 17287 Registered: 02-2008 Posted From: 159.53.46.143 Rating: N/A |
I went with low deductible high premium. Out of pocket thakkuva, that means, after tax income thakkuva pay cheyaali. I was in the same boat, but even though everyone was doing good, just to get through the first year, i went the above option and proved to be very helpful for ME. | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4941 Registered: 03-2012 Posted From: 171.159.192.10 Rating: N/A |
 | ||
| Coolmac Hero Username: Coolmac Post Number: 16466 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Most of our desis miss this point... they think if we pay more, we will be airlifted and insurance pay every penny from their pocket which is wrong... Just by paying high premium with blancket coverage, they feel secured | ||
| Coolmac Hero Username: Coolmac Post Number: 16465 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Do u know every health scheme is same if the health cost is more than 10K? for eg, 50$ per month pay chesey vaadiki , 500$ per month pay chesetodiki same expenses vuntai if there is a 100K hospital bill..only difference is 50$ pay chesetodu has to pay 5-10K out of pocket kattali...500$ pay chesetodu 2-3K out of pocket kattali...thats it..
This is what I am saying, u are earning enough...why worry for 5-10K if something happens to You? invest on ur body if something happens,,why depend on insurance company antunna | ||
| Megastar Username: Twitter Post Number: 24155 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
babai ikkada risk emundhi high deductible lo avasaramainappudu kaduthunnam Low deductible lo mundhe premiums dhwaara kaduthunnam ..anthe kadha ..coverage lo theda emuntadhi ? | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4940 Registered: 03-2012 Posted From: 171.159.192.10 Rating: N/A |
hugh deductibale plan lo after the deductiable..100% coverage undaaaa? or is it 90 or 95%? 100% unte u can go for high deductible too | ||
| Megastar Username: Twitter Post Number: 24154 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
ye angle lo choosina idhe better anipisthundhi. worst conditions lo elagoo deductible kattali, but eod it is summing up to the same. | ||
| Biriyani Side Hero Username: Biriyani Post Number: 4939 Registered: 03-2012 Posted From: 171.159.192.10 Rating: N/A |
wrong... ikkada medical costs too high...future nu and esecially health vishsyam lo no one can predict whats going to happen...and accidents gurinchi daily chusthune unnam kadaaaa we are earnign enough already and why to take a risk in saving few extrathousand dollors per year... jaragaranindi emanna jarigithe nuvvu monthly save chesina premiuim * 10 times okate sari kattalsuntundi | ||
| Coolmac Hero Username: Coolmac Post Number: 16463 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
exactly..this is what I said in previous post... If you are capable of spending 5-10K towards ur unusual health condition..why keep paying more premium in advance to Insurers antunnna | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16453 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
HSA account will be managed by Financial instituion like Vanguard or fidelity High premium is 996 pm which is 12K per year Low premium high ded plan is 400 pm or 4.8K per year u put the difference of 7K in HSA account If ur expenses are below 7K u are winner if it goes above 7K u will be looser. after 10K both are same No Signature | ||
| Coolmac Hero Username: Coolmac Post Number: 16459 Registered: 05-2007 Posted From: 65.170.103.156 Rating: N/A |
Wrong...inka nuvvu risk ni ekkada calculate chestunnattu mari? u have to take insurance based on ur need not a blanket coverage u need... antha secured ga alochinchalsina pani ledhu... mahaa ithe..oka 4-5K extra nee pocket lonchi pothundhi if some major thing happens...high premium kattukuntu povatam valana elagoo aa 5K within 2-3yrs lo kattestaav... so, I vote for high ded low prem if are good healthy life leading individual.. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16452 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Twitt brother Hypothetical quote for family with 2 kids HSA Deductible (Per Family) Coinsurance (% You pay after deductible) Est. Monthly premium + *$10,000 0% $344.1 $5,450 20% up to $4,550/yr $498.48 adhe PPO plan with deductible anuko. High premium plan Plan A Office Visits Prescription Drugs Primary: $15 Generic: $10 Specialist: $30 Preferred Brand: $45 Deductible (Per Person) Coinsurance (% You pay after deductible) Est. Monthly premium Select to compare + *$2,500 20% up to $2,000/yr $996.0 here the deductible of 2500 applies only to hospitalisation. for the rest u just pay copay No Signature | ||
| Megastar Username: Twitter Post Number: 24152 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
paycheck nen oka cpa tho run cheisthe athanu manage chesthadantava ? | ||
| Maverick Legend Username: Maverick Post Number: 41758 Registered: 01-2008 Posted From: 70.39.176.60 Rating: N/A |
a/c nuvvu open cheyyalevu..when u try with a hsa plan, they open acct for u and monthly paycheck deductions untai Who is this DB member? | ||
| Maverick Legend Username: Maverick Post Number: 41757 Registered: 01-2008 Posted From: 70.39.176.60 Rating: N/A |
>>HSA lo nee deductible entho antha pettala ? or I can open that a.c with nominal amount ? yes, family deductible ani untundi..nenu 4 yrears nunchi using covered one maternity also. it worked fine for me Who is this DB member? | ||
| Megastar Username: Twitter Post Number: 24150 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
HSA lo nee deductible entho antha pettala ? or I can open that a.c with nominal amount ? | ||
| Megastar Username: Twitter Post Number: 24149 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
yeah max ante until you reach your deductible ye kadha not beyond that, is there any other catch here, but after reaching your deductible there will be co-insurance again , it could be 50-50, 70-30, 20-80 . ee co-insurance is common for any plan anukunta . | ||
| Maverick Legend Username: Maverick Post Number: 41755 Registered: 01-2008 Posted From: 70.39.176.60 Rating: N/A |
twit hsa with high deductible using. the money u pay stays in ur account. premium kattesi marchipovatama, or money nee account lo pettukoni avasaram vacchinapudu kattadama anandi nuvvu alochinchukovali..when u meet u r deductible, u r covered 100% by plann/ Who is this DB member? | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16450 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
HighPremiumLow deductible works good if u have ongoing prescription needs for u,wife or kids If u dont have any of them go for Low Premium High deductible.
It will vary. maree inthaa laa aithee it will Heads I win, Tails u loose annttuvuntundhii. Insurance companies are giving low cost alternatives to consumer. at teh sametime they will save their skin. so if u go for low cost premium, after deductible it wont be same. There will be max limit for Out of pocket expenses. afte rthat it is covered full No Signature | ||
| Megastar Username: Twitter Post Number: 24148 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
adhe antunna .. kaani naa doubt entante high premium is nothing but paying your deductible within monthly premium amount ? if that is the case its better to pay whenever it is really necessary (High deductible) kadha ? | ||
| Megastar Username: Twitter Post Number: 24147 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
safe thinking idhi ..kaani it is the same anukuntunna maama ..ela ante lets say plan 1 -LPHD- 750/month with 5000 deductible - per annum cost =14000 plan 2 -HPLD -1400/month with 500 deductible - per annum cost = 16800 plan 1 lo oka vist vesthe aa month cost 750 + 350 doc fees(lets say) =1050 aa month cost..monthly expenses are lesser than plan 2. kaani more than one vist vesina ..mana deductible 5k dhaatinaka its same as plan 2 .. I dont understand how plan2 is better than plan1 as so many saying. | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16449 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
300 is the bill for ur services. But Insurance ki agreed amount ani with dicount arnd $120 vuntundhi and u pay that amount only. So in a very healthy year u will just pay fraction of the amoubnt No Signature | ||
| Megastar Username: Twitter Post Number: 24146 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
idhi eppudu confusione ..kaani my understanding on this is if your deductible is 5K , lets say you visit doctor for sick , he charges you $300 for his services , then you have to pay that $300 out of pocket because you have not reached your deductible yet , so ippudu $300 kattesav (5000-300) 4700 inka undhi aa year lo. aa 4700 reach ayye dhaaka nuvve kattukovali ..aa tharvaatha insurance start paying . | ||
| Jackson Side Hero Username: Jackson Post Number: 8740 Registered: 09-2007 Posted From: 171.161.160.10 Rating: N/A |
medical insurance anedhi ivaala mana ela vunnamo daani basis meeda teesukokudadhu mama.. repu manamu ela vunna insurance cover chesetattu vundaali.. so always I recommend low deductible high premium plans ... | ||
| Sachin Legend Username: Sachin Post Number: 32145 Registered: 04-2008 Posted From: 151.151.16.20 Rating: N/A |
nakayithe high premium and low deductible better anipinchindi...doc daggariki velthe deenemma deductible enthakataali ane math seskovalsina torture naakoddu.. share ki gross ki thedaa theliyakapothenemi...box office disco lo iragadeeyochu...excel, palakol, 292 ki ki ki... | ||
| Megastar Username: Twitter Post Number: 24145 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
estimation ki premiums set avvali kadha annai ..andhuke ye plans ki set avvalo confuse authunna..bayapadi high premiums or mondi ga low premiums | ||
| Andhrawala Hero Username: Andhrawala Post Number: 16446 Registered: 03-2008 Posted From: 152.51.56.1 Rating: N/A |
Do ur Homewqork properly. Logon to ur Insurance website online account and see how much u & ur insurance paid for the healthcare claims If ur usage is low, go for high deductible and low premiums. If u dont have any ongoing prescription, go for HSA instead of dumping that money as Ins premium. HSA money will go on from 1year to another year and it will be urs allways No Signature | ||
| Rasputin Hero Username: Rasputin Post Number: 16903 Registered: 02-2008 Posted From: 192.146.101.71 Rating: N/A |
the answer lies in your medical needs. anthakantey emi cheppalenu. Do the math on your 'estimated' expenses for that year. 01/06/2012 - 169.4;05/04/2012 - 175.8; 8/1/2012 - 179 | ||
| Megastar Username: Twitter Post Number: 24144 Registered: 10-2009 Posted From: 69.126.242.83 Rating: N/A |
I'm in health insurance cross roads now .. renditlo edhi better for a Healthy family with two kids. Healthy ani endhuku annanante ..kids sick visit thappithe generally we dont (any one) go to the doctors. -No frequent visits to doc. -No existing medical conditions (diabetes or bp) that requires regular visits. -almost all 1st year visits over for my lil one. ippudu cheppandi ye plan better ? Higher ded low prem or Lower Ded higher prem ? will HSA works for me ? Higer Deductible unte its expensive when catastrophic conditions kaani eppudo vacche aa type conditions ki manam anavasaranga every month ekkuva dhobbinchu kodam makes any sense ? Insurance experts Inputs please .. |
