[TriLUG] OT: NC insurance options
mgkimsal at gmail.com
Fri Mar 30 10:06:53 EDT 2012
On Fri, Mar 30, 2012 at 10:02 AM, <matt at noway2.thruhere.net> wrote:
> Th is about half of what I am paying for just my wife for BCBSNC. I have
> an odd situation where I get the State Health Plan, which covers 100% of
> my premium, but 0% of my wife. What's worse is that I get to buy hers at
> full retail cost, there is no volume discount for having tens of thousands
> of employees. The deductible we have is almost $3K, after which we pay
> 30% up to an $11K co-insurance maximum. This is what the media likes to
> call a "Cadillac health care package", though I think the Cadillac they're
> referring to is the one that ran over me, backed up and hit me again. The
> individual deductible and co-ins max aren't nearly as exorbitant. It was
> clearly designed with the idea that your spouse would work somewhere and
> get their own, but my wife is self employed.
> You are deducting those premiums on her taxes, right? While it's not
every deduction helps. Strangely, I've talked to a few (newly)
who didn't realize they could deduct that. IANACPA, etc...
> What's worse is that when my co-workers have gone to use it, payments of
> around $400 - $500 up front and in advance have often times been demanded
> from them.
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