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Andhrawala
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Username: Andhrawala

Post Number: 17632
Registered: 03-2008
Posted From: 174.97.225.181

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Posted on Saturday, January 19, 2013 - 08:02 am:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Puli

Ind insurance depends on the state where u live

Employee ins cost depends on size of the group some employers contribute partial cost
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Pulibongaram
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Username: Pulibongaram

Post Number: 5094
Registered: 03-2012
Posted From: 166.137.156.15

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Posted on Friday, January 18, 2013 - 10:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

AW,

Naa current insurance NC lo unnappudu theesukunna. Nenu ippudu search chesindi AR zip code ettaa. Anduke thakkuva vachindaa?
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Pulibongaram
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Username: Pulibongaram

Post Number: 5093
Registered: 03-2012
Posted From: 166.137.156.15

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Posted on Friday, January 18, 2013 - 10:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Amigo, computer ledu. Repu isthaa. Or u can search in ehealthinsurance.com
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Amigo
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Username: Amigo

Post Number: 1585
Registered: 05-2011
Posted From: 24.228.177.250

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Posted on Friday, January 18, 2013 - 07:55 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:


mamu.....less than 100 ki blue cross blue shield vaadu 1k/2k in network ...2k/4k out of network....20-80...inko 15 kadithe vision isthunnaad.......$30 copay not big deal...inkaa emannaa thirakaasu undemo naaku ardham katalle




deeni link oka saari ivvandi....... please look at each benefit description.....how they are covered/not covered
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Chitti_babu
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Username: Chitti_babu

Post Number: 4568
Registered: 03-2012
Posted From: 66.232.234.51

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Posted on Friday, January 18, 2013 - 07:30 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

why the group ins provided by emp premium is high ...




It won't he high....it will be less...

Group Insurance - Higher the group lower the premium. Inversely proportional. You will always get a decent plan in Group insurance.

Individual Insurance - As you choose, Premium is decided. Definitely higher than Group insurance. Individual insurance is your sole discretion.

Group insurance always outweighs individual insurance.
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Andhrawala
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Username: Andhrawala

Post Number: 17631
Registered: 03-2008
Posted From: 174.97.225.181

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Posted on Friday, January 18, 2013 - 07:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Ind insurance cost varies by state pod example very expensive in NJ

Depends on ind health condition

Smoker pays. More

Heavy weight pays more

Bp u pay more


Employee plan. Everyone pays same premium irrespective of ind health
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Chillarodu
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Username: Chillarodu

Post Number: 2652
Registered: 03-2008
Posted From: 173.162.149.129

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Posted on Friday, January 18, 2013 - 05:23 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

.......why the group ins provided by emp premium is high ...compared to bayata indivisual ins premiums for the same deductibles......maybe edo naaku teliyani advantage undemo ani....




insurance coverage details chdavaali..

for example manchi plan li... during delivery.. mana pocket loninchi emi padavu.. (irrespective of deductibles).. adhe bayata thakkuvaki vache plan li you have to pay couple of thousand..

alaane.. coverage thakkuva vuntai bayata like infertility treatments etc.. (I am just giving an example)

As a batchelor neeku pedda farak padaka povachu.. once family vachina tharuvaatha.. I would suggest to stick with group plan.
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Gotcha
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Username: Gotcha

Post Number: 9965
Registered: 02-2008
Posted From: 107.6.95.12

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Posted on Friday, January 18, 2013 - 05:10 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Bayata evadu group kana takuva ivaru
This real estate is for sale.
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Pulibongaram
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Username: Pulibongaram

Post Number: 5090
Registered: 03-2012
Posted From: 162.115.108.101

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Posted on Friday, January 18, 2013 - 04:52 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

bayata best dorikina you cant opt out now kada..so unna dhaantho continue avvatamey marriage ayye dhaaka.life events emanna untey change avvachu.



adi ardhamayindi akkiyyaa.......why the group ins provided by emp premium is high ...compared to bayata indivisual ins premiums for the same deductibles......maybe edo naaku teliyani advantage undemo ani....next theeskuonetappudu/opt out ayyetappudu use avuddi kadaa ani

ee insurance lu tax lu evadu kanipettaado kaani aadiki diver ramud oats upma thinipinchaali
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Jodhaa
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Username: Jodhaa

Post Number: 25263
Registered: 02-2008
Posted From: 69.174.58.140

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Posted on Friday, January 18, 2013 - 04:49 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:


bayata best dorikina you cant opt out now kada..so unna dhaantho continue avvatamey marriage ayye dhaaka.life events emanna untey change avvachu.
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Rebel
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Post Number: 9442
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Posted From: 151.151.109.6

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Posted on Friday, January 18, 2013 - 04:46 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:


or am i missing anything?


r missing the point that u cant opt-out ur current ins. until dec'13....so veredi chudatam kuda ipudu waste...shop around again in nov..
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Chillarodu
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Username: Chillarodu

Post Number: 2649
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Posted on Friday, January 18, 2013 - 04:46 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:




nuvvu bayata theesukune kante.. definite gaa company group insurance better vuntundhi..
just don't look at deductibles.. coverage lo chaana thedaa lu vuntai.
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Pulibongaram
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Username: Pulibongaram

Post Number: 5089
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Posted From: 162.115.108.101

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Posted on Friday, January 18, 2013 - 04:44 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

meeku ardham kaatalledu.....100 ki naaku bayata antha kante thakkuva deductible/max OOP vasthundi.....only diff i see is copay...ido pilli bithiri copay

or am i missing anything?
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Outlaw
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Username: Outlaw

Post Number: 1901
Registered: 02-2012
Posted From: 66.193.93.3

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Posted on Friday, January 18, 2013 - 04:44 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

280 per month.....2.5k deductible.....5k max out of pocket....




before tax deduction lo 280 ante parledu le kallu musuko.
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Getafix
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Username: Getafix

Post Number: 12373
Registered: 02-2008
Posted From: 159.127.66.112

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Posted on Friday, January 18, 2013 - 04:42 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:




20 -80 aa.. debbe.. emergency room copay kuda worstu ga undochu.. 500 aa?
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Jodhaa
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Username: Jodhaa

Post Number: 25262
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Posted From: 69.174.58.140

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Posted on Friday, January 18, 2013 - 04:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Methati_idly:

oka vela ochina ye 200 aina 80 save chesi em chestav


80 per month= per year 960$..dhaantho emanna cheyyachu rao garu.
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Pulibongaram
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Username: Pulibongaram

Post Number: 5088
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Posted From: 162.115.108.101

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Posted on Friday, January 18, 2013 - 04:41 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Getafix:

280 is decent anipisthundi naku ayithe.



mamu.....less than 100 ki blue cross blue shield vaadu 1k/2k in network ...2k/4k out of network....20-80...inko 15 kadithe vision isthunnaad.......$30 copay not big deal...inkaa emannaa thirakaasu undemo naaku ardham katalle

or does it depend on location?
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Methati_idly
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Username: Methati_idly

Post Number: 3209
Registered: 01-2012
Posted From: 167.83.101.22

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Posted on Friday, January 18, 2013 - 04:40 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

280 PM is erryyyy reejanabul..mana bathar aite almost 1000 varaku dekinchukuntunnad grp insurance lo..of course married anuko

280 kante thakkuva single insurance ante chala kashtam..oka vela ochina ye 200 aina 80 save chesi em chestav
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Pulibongaram
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Username: Pulibongaram

Post Number: 5087
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Posted From: 162.115.108.101

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Posted on Friday, January 18, 2013 - 04:39 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Getafix:

co insurance entha? 10-90 aa?



20-80

Getafix:

280 motham health,dental and eye aa?



no vision...only health + dental
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Pulibongaram
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Username: Pulibongaram

Post Number: 5086
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Posted on Friday, January 18, 2013 - 04:38 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Getafix:

bayata teeskunte premium pelthadi vaa



Pulibongaram:

280 per month.....2.5k deductible.....5k max out of pocket



intha kante peledi enti....ide deductibles max out of pocket bayata thakkuvaki vasthundi
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Getafix
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Username: Getafix

Post Number: 12371
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Posted From: 159.127.66.112

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Posted on Friday, January 18, 2013 - 04:37 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

280 per month.....2.5k deductible.....5k max out of pocket....



co insurance entha? 10-90 aa?

280 motham health,dental and eye aa? 280 is decent anipisthundi naku ayithe.
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Getafix
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Username: Getafix

Post Number: 12370
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Posted on Friday, January 18, 2013 - 04:36 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:



bayata teeskunte premium pelthadi vaa.. single ye kada..edo pay check lo pre tax dollars kinda cut ayipoddi silly ga premium.. continue seyyi..
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Buduguuu
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Username: Buduguuu

Post Number: 10225
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Posted From: 199.249.176.251

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Posted on Friday, January 18, 2013 - 04:35 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

280 per month.....2.5k deductible.....5k max out of pocket....




ori deenekka.. nenu 40$ kadutunna. naakemem levo eto edava gola.. retriki mambadito kachitanga matladali :D
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Pulibongaram
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Post Number: 5084
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Posted on Friday, January 18, 2013 - 04:34 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Buduguuu:

enta kadutunnav iffud



280 per month.....2.5k deductible.....5k max out of pocket....
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Emc2
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Username: Emc2

Post Number: 10193
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Posted From: 71.246.229.243

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Posted on Friday, January 18, 2013 - 04:34 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:




pre existing conditions lekapothe bayate better. emina unte careful..
cherapakura chedevu.
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Emc2
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Posted on Friday, January 18, 2013 - 04:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Jodhaa:

employer change avuthunnaadu emo.






employer change ayithe opt out avvadam enduku,disco direct..
cherapakura chedevu.
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Buduguuu
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Post Number: 10223
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Posted on Friday, January 18, 2013 - 04:33 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

eediki iche paisal tho nenu bayata theeskunte inkaa amnchi coverage vasthundi ani ippudu bulb eligindi....sess.....




enta kadutunnav iffudu bayata and org lo?
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Jodhaa
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Posted on Friday, January 18, 2013 - 04:32 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

papam chitti ni aadukontunnar ga..employer change avuthunnaadu emo..
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Pulibongaram
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Post Number: 5083
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Posted on Friday, January 18, 2013 - 04:32 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Chillarodu:

Leka bayata theesukundhaamana?



idi
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Pulibongaram
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Post Number: 5082
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Posted on Friday, January 18, 2013 - 04:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Getafix:



ledu mamu.....eediki iche paisal tho nenu bayata theeskunte inkaa amnchi coverage vasthundi ani ippudu bulb eligindi....sess.....

leka ee group insurance valla inkemannaa adv untundaa manam bayata theeskone daani kante
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Chillarodu
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Posted From: 173.162.149.129

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Posted on Friday, January 18, 2013 - 04:31 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

opt out




asalu endhu opt out avudhaamanukuntunnav? Insurance avasaram ledhaa?
Leka bayata theesukundhaamana?
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Kdnumber1
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Posted on Friday, January 18, 2013 - 04:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

chass....theeskone mundu db lo oka thed eyyaalsindi




panikimalina tallu eyyakunda vundunte idi esevadivi garantee ga....
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Getafix
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Posted on Friday, January 18, 2013 - 04:29 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:




Health care leka dobbichkunnpollani susa gani unna care ksatha odulkuntanantavem? why.. ee desam lo SSN,driver licence taruvatha most imprtant - healthcare.
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Pulibongaram
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Posted on Friday, January 18, 2013 - 04:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

vaarni ee ambar fitting okati undaa.....chass....theeskone mundu db lo oka thed eyyaalsindi
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Emc2
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Posted on Friday, January 18, 2013 - 04:27 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

1. moosukuni next enrollment period varaku kurchovali
2. marriage chesukovali
3. no marriage pillalni kanali..
cherapakura chedevu.
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Rebel
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Posted on Friday, January 18, 2013 - 04:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

Why did u opt-in first place ? it's only Jan..looks like ur enrollment period is in nov..so u changed ur mind in 1.5 months
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Zulu
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Posted on Friday, January 18, 2013 - 04:26 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

what can I do?>>

nothing.
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Alochinchu
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Posted on Friday, January 18, 2013 - 04:25 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

a qualifying event




if you already enrolled for 2013 you cannot change it unless you have an event change like marriage, birth / adoption in family, etc.
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Kdnumber1
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Username: Kdnumber1

Post Number: 20248
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Pulibongaram:


what can I do?




musukuni kucho...ani maryadaga seppindi
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Chillarodu
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Username: Chillarodu

Post Number: 2645
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Posted on Friday, January 18, 2013 - 04:25 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)


Pulibongaram:

what can I do?




pelli kaakapothe.. pelli chesuko then you will get a chance to opt out..:-)

edho oka major life changing event vundali.. if you want to modify your plan..
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Pulibongaram
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Username: Pulibongaram

Post Number: 5080
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Posted on Friday, January 18, 2013 - 04:23 pm:   Insert Quote Edit PostDelete PostPrint Post   Move Post (Moderator/Admin Only)Ban Poster IP (Moderator/Admin only)

i want to opt out of the group insurance...let me know the process ani HR ki mail kodithe ee reply ichindi

"Our plan does not allow entry or exit during the plan year, unless there is a qualifying event.

You can opt out of the health plan during open enrollment period – November 2013.
"

what can I do?

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