10 Ways To Tell Your Company Has Switched To Cheaper Health Insurance?
Your annual breast exam is done at Hooters.
Directions to your doctor’s office include “Take a left at the trailer park. ”
The tongue depressors taste faintly of Fudgesicles.
The only proctologist in the plan is “Gus” from Roto-Rooter.
The only item listed under Preventative Care Coverage is “An apple a day. ”
Your primary care physician is wearing the pants you gave to Goodwill last month.
“The patient is responsible for 200% of out-of-network charges. ”
The only expense covered 100% is “embalming. ”
Your Prozac comes in different colors with little M’s on them.
You ask for Viagra, and they give you a Popsicle stick and duct tape.
Health Insurance Question: I Work For A Small Company. We Switched To A Cheaper Health Insurance Plan Within?
oxford because i added my wife and 2 kids on after my wife left her job. my current plan would have cost 1,900 a month for family coverage. we switched to one through oxford as well with 1,300 a month coverage. the in network coverage seems to be identical except the copays are 20 for primary care and 30 for specialist instead of 10 and 10 on the old plan. in network hospitalization is 500 dollar co-pay for in-patient and $250 co-pay for out-patient.
on the out of network this is the deal: 2,000 deductible per person and 6,000 per family total deductible. co-insurance is listed as 70% of 10,000. out of pocket is listed as 3,000 per person and 9,000 per family excluding deductible. out of network hospitalization is deductible and co-insurance. out of network E. R. visits are 75 dollars each.
my general question is this decent health insurance? would this be considered high deductible insurance? would i be completely screwed if a family member had to stay out of network at a hospital?
