iam21177
Recycles dryer sheets
- Joined
- May 26, 2011
- Messages
- 159
Having just gotten married, I am changing my status/name with my work. I am 36, hubby is 34.
As dual university employees, we have the option of this "wonderful" dual coverage plan. HR is really pushing it.
The plan involves $2366 yearly premiums as dual coverage.
$1.25 generic drugs (90 day)
$10 copays
$350 individual/$700 family detectible
Hubby is already on a HDHP plan before we met. He has an HSA which is maxes. I plan to do the HDHP so we can do the family maximum for the HSA come open enrollment time. Deductible is $1500 individual/$3000 family.
This HR lady is really hesitant to make the switch for me (my plan is the plan that would change). She keeps saying I need to come in so she can explain all the dual benefits. "OMG you don't seem to understand these amazing benefits you are giving up!!!" Unless there is more than what is on the pamphlet, we feel HDHP so we can get the family HSA max is really the way to go. The only triple tax deferred account out there!
I do have 2 Rx that I have to take every day. I'll have to start paying $200+ out of pocket for those (they aren't on the $4 Walmart deal). We don't go to the doctor often right now. I did have an ER visit in 2012 and H had an ER visit in 2011. Preventative care is no cost on any of our plans, HDHP or not. We have funds to pay big bills up front.
We can switch plans later if we feel we're going to the doctor more, that is allowed.
So am I not seeing the amazing benefits of this dual coverage like this lady is insisting? Doesn't a triple tax deferred plan seem more advantageous in the long run since we want to retire early and are going to have to pay for medical expenses in early retirement?
As dual university employees, we have the option of this "wonderful" dual coverage plan. HR is really pushing it.
The plan involves $2366 yearly premiums as dual coverage.
$1.25 generic drugs (90 day)
$10 copays
$350 individual/$700 family detectible
Hubby is already on a HDHP plan before we met. He has an HSA which is maxes. I plan to do the HDHP so we can do the family maximum for the HSA come open enrollment time. Deductible is $1500 individual/$3000 family.
This HR lady is really hesitant to make the switch for me (my plan is the plan that would change). She keeps saying I need to come in so she can explain all the dual benefits. "OMG you don't seem to understand these amazing benefits you are giving up!!!" Unless there is more than what is on the pamphlet, we feel HDHP so we can get the family HSA max is really the way to go. The only triple tax deferred account out there!
I do have 2 Rx that I have to take every day. I'll have to start paying $200+ out of pocket for those (they aren't on the $4 Walmart deal). We don't go to the doctor often right now. I did have an ER visit in 2012 and H had an ER visit in 2011. Preventative care is no cost on any of our plans, HDHP or not. We have funds to pay big bills up front.
We can switch plans later if we feel we're going to the doctor more, that is allowed.
So am I not seeing the amazing benefits of this dual coverage like this lady is insisting? Doesn't a triple tax deferred plan seem more advantageous in the long run since we want to retire early and are going to have to pay for medical expenses in early retirement?