any ladies work in HR or know anything about health insurance??? I basically have 24 hours left to decide if I want to switch onto my husbands plan. It seems his plan will be $100 less per month than mine...which seems almost too good to be true. what are things i should be looking for to make sure i still have at least the same coverage i have now? the one thing i notice is his deductible is $1000 and mine is only $250...what does that mean though??? im clueless about this stuff any help or advice is appreciated tia
cmwals01
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Re: nwr: health insurance
Check to see if his insurance is accepted by any doctors you are seeing now. 1000 deductible sounds about right for 2 people. If you go to his insurance website it should have everything that his coverage includes. I hate picking insurance
leesah85
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Re: nwr: health insurance
Posted by pjc92980
any ladies work in HR or know anything about health insurance??? I basically have 24 hours left to decide if I want to switch onto my husbands plan. It seems his plan will be $100 less per month than mine...which seems almost too good to be true. what are things i should be looking for to make sure i still have at least the same coverage i have now? the one thing i notice is his deductible is $1000 and mine is only $250...what does that mean though??? im clueless about this stuff any help or advice is appreciated tia
deductible means taht that is the amount of $$ you are responsible to pay to doctors before you just pay like a regular co-pay or something
is it $1000 for the two of you? that seems about normal. if it's $1000 each, that's really high
and i agree, check and make sure your docs accept it.
futuremrstaheri
Posted:
Member since
Re: nwr: health insurance
check details on the deductible - make sure your drs are covered (if you like them) - check what the co pays are (sometimes when there is a higher deductible co pays are lower) - make sure all the preventative care is included - if you get regular prescriptions, check what kind of presecription coverage he has - I work in HR (not benefits, but I explain it a lot to employees) - if you have any specific questions I'll try my best to help.
