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Thread: Health Insurance

  1. #1

    Join Date
    Jun 2006
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    Wilmington,NC
    Posts
    821

    Default Health Insurance

    hey Folks

    its crunch time! i just wanted to see if anyone has the Aetna CDHP plan and wanted to know how they liked it??? I have looked at the plan and it looks really good to me. I am currently with Blue Cross. Switching to Aetna I will save $1500/Yr on the premium. and they set up an account for yo of $2000/Yr and you spend out of account first then you go to your $1000?yr deductible. once that is met you go to plan coverage. For me and my family we do not go to the doctors much so I dont think that I will even spend the $2000 in the account. also they rollover remaining money in account from year to year up to $10,000 for self and family.please let me know any info. on this Aetna plan.
    thanks
    john


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  3. #2

    Default Re: Health Insurance

    A while back were discussing Aetna HDHP on this thread:

    http://www.tsptalk.com/mb/showpost.p...7&postcount=21

    I don't know how much difference the HDHP plan is from the CDHP though.

    I have Aetna HDHP and have had it for a few years. I was considering going to Blue Cross this year after last summer's big health bills. But it looks like the catastrophic limit has kicked in just fine. So after looking at all my spreadsheets I'm not going to switch.

    Everyone is different and nobody has the same health needs. But for me, Aetna works great and saves me money. And their customer service people are polite and helpful too.

    Maggie
    "That's the problem with being scared to fail. You usually end up failing in the end by default." Life From Scratch, Melissa Ford

  4.  
  5. #3

    Join Date
    Jun 2006
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    Wilmington,NC
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    821

    Default Re: Health Insurance

    SM
    the plan looks like it will fit my needs as well since my doc visits are very limited at this point, (knock on wood). thanks 4 your input.

  6.  
  7. #4

    Join Date
    Jun 2004
    Location
    Boiled Peanut, Georgia, USA
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    63,527

    Default Re: Health Insurance

    Federal Employees Health Benefits (FEHB) Premiums to Increase in 2015
    October 8, 2014

    The Office of Personnel Management (OPM) announced yesterday the overall average premium increase for employee health benefits provided through the Federal Employees Health Benefits Program (FEHB) will be 3.2 percent for 2015.
    According to OPM, the health insurance increase means employees with self-only coverage will pay an average $2.93 more in each bi-weekly pay period. Employees with family coverage can expect an average increase of $6.89 per pay period. The actual premium increases depend on which plans they choose.
    This fall's Open Season for health, dental and vision insurance, as well as for the flexible spending accounts, will be from November 10 to December 8. During that time, employees and retirees will have the chance to review their current plans and make any changes they desire for the following year. Eligible employees who are not currently a part of FEHB may also enroll for the first time.
    This is also the first time employees will be able to enroll in the flexible spending account program for just a $100 minimum deposit. And for the first time, participants in the health care flexible spending account will be able to carry up to $500 of unused funds into the following year. More detailed breakdowns of the FEHB Program premium rates and the FEDVIP rates are available here:
    Federal Employees Health Benefits (FEHB) Premiums to Increase in 2015
    2015 FEHB Premium Rates
    2015 FEDVIP rates
    11/18/2020
    LS CRUDE Oil
    =$41.82 a Barrel, Daily Status +$.39

  8.  
  9. #5

    Default Re: Health Insurance

    I've got the GEHA high deductible plan... so no change for me

  10.  
  11. #6

    Join Date
    Apr 2005
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    Default Re: Health Insurance

    Reminder-

    Federal Health Plan open season is coming soon, and the new rates are posted here:

    (Thanks Nnutt for the heads up)


    See Premiums

    My state has several new plans starting in January. I'm going to have to check them all out this time around- more choices.



    OPEN SEASON:


    Q: When is Open Season?
    A: Each year, Open Season runs from the Monday of the second full workweek in November through the Monday of the second full workweek in December.

    This year Open Season is November 10, 2014 through December 8, 2014

    Last edited by James48843; 10-31-2014 at 02:26 PM.

  12.  
  13. #7

    Default Re: Health Insurance

    I continue to be a big fan of Blue Corss/Shield Basic.

    - NO annual deductible. Your first visit goes to copays (Mostly $25...Except $35 specialists).

    - Unlike BC/BS standard, you are limitied to those doctors who accept Blue Cross/Shield. But where I live thats about 90% of our doctors and all of our regional hospitals.

    - Even covers about 20 Chiropractic visits WITH THERAPUTIC MASSAGE!!

    - Some Dental, including 2 cleanings year with just a copay. However dentist list is limited so I use GEHA Dental on FedVip for dental insurance.
    CURRENTLY 100% F (as of COB 10/27/2020) 2nd Oct IFT

  14.  
  15. #8

    Join Date
    Jun 2004
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    Default Re: Health Insurance

    OPM Issues Rule on Adding Self-Plus-One Option to FEHB

    December 4, 2014
    On December 3, the Office of Personnel Management (OPM) issued a proposed rule to amend the Federal Employees Health Benefits (FEHB) Program regulations to add an additional enrollment type called "self plus one" for premium rating and family member eligibility purposes. According to the rule, the self plus one enrollment type will be available starting in the 2015 Open Season for the 2016 plan year. A self plus one enrollment will cover the enrollee and one eligible family member, designated by the enrollee. The proposed regulation does not alter current FEHB family member eligibility guidelines. Eligible family members under a self plus one enrollment will be a spouse or an eligible child.
    The proposed regulation provides definitions for a self only, self plus one, and self and family enrollment as follows:

    • Self only enrollment means an enrollment that covers only the enrollee.
    • Self plus one enrollment means an enrollment that covers the enrollee and one eligible family member.
    • Self and family enrollment means an enrollment that covers the enrollee and all eligible family members.

    "Under OPM's policies, current enrollees with Self and Family coverage who only have one dependent are expected to have lower premiums under the new enrollment
    OPM Issues Rule on Adding Self-Plus-One Option to FEHB
    11/18/2020
    LS CRUDE Oil
    =$41.82 a Barrel, Daily Status +$.39

  16.  
  17. #9

    Default Re: Health Insurance

    finally! I for one as a single parent of one child am sick and tired of subsidizing those happily married christian idiots with multiple litters. It's called birth control people! It just never made sense to me why two of us should pay the same as a family of 9. And we're guys so we never go to the doctor unless something is obviously broken or we can't walk no more anyways.

    Quote Originally Posted by nnuut View Post
    OPM Issues Rule on Adding Self-Plus-One Option to FEHB

    December 4, 2014
    On December 3, the Office of Personnel Management (OPM) issued a proposed rule to amend the Federal Employees Health Benefits (FEHB) Program regulations to add an additional enrollment type called "self plus one" for premium rating and family member eligibility purposes. According to the rule, the self plus one enrollment type will be available starting in the 2015 Open Season for the 2016 plan year. A self plus one enrollment will cover the enrollee and one eligible family member, designated by the enrollee. The proposed regulation does not alter current FEHB family member eligibility guidelines. Eligible family members under a self plus one enrollment will be a spouse or an eligible child.
    The proposed regulation provides definitions for a self only, self plus one, and self and family enrollment as follows:

    • Self only enrollment means an enrollment that covers only the enrollee.
    • Self plus one enrollment means an enrollment that covers the enrollee and one eligible family member.
    • Self and family enrollment means an enrollment that covers the enrollee and all eligible family members.

    "Under OPM's policies, current enrollees with Self and Family coverage who only have one dependent are expected to have lower premiums under the new enrollment
    OPM Issues Rule on Adding Self-Plus-One Option to FEHB
    100g


  18.  
  19. #10

    Join Date
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    Default Re: Health Insurance

    Quote Originally Posted by burrocrat View Post
    finally! I for one as a single parent of one child am sick and tired of subsidizing those happily married christian idiots with multiple litters. It's called birth control people! It just never made sense to me why two of us should pay the same as a family of 9. And we're guys so we never go to the doctor unless something is obviously broken or we can't walk no more anyways.
    Well said!
    11/18/2020
    LS CRUDE Oil
    =$41.82 a Barrel, Daily Status +$.39

  20.  
  21. #11

    Join Date
    Sep 2007
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    Almost Heaven
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    Default Re: Health Insurance

    Quote Originally Posted by burrocrat View Post
    finally! I for one as a single parent of one child am sick and tired of subsidizing those happily married christian idiots with multiple litters. It's called birth control people! It just never made sense to me why two of us should pay the same as a family of 9. And we're guys so we never go to the doctor unless something is obviously broken or we can't walk no more anyways.
    Sorry bud. I, being a guy, don't go to the doc "unless something is obviously broken or can't walk no more anyways." But I do have a litter and I appreciate you working so hard for me and my progeny -- they're tough though and don't go to the doc too much.
    Which one of you nuts has got any guts? -- Randle P. McMurphy
    ... stupidity will always find a way. -- Nnuut

  22.  
  23. #12

    Default Re: Health Insurance

    Quote Originally Posted by Minnow View Post
    Sorry bud. I, being a guy, don't go to the doc "unless something is obviously broken or can't walk no more anyways." But I do have a litter and I appreciate you working so hard for me and my progeny -- they're tough though and don't go to the doc too much.
    That's ok, I'm over 40 now so I will be going to the doctor a lot more for my colorectal screenings. And if the test is positive it will be your children that end up covering the bill. Thanks for your future taxpayer providing efforts. What comes around goes around.
    100g

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