[Hidden-tech] Health insurance

[Jeremy Dunn]

Health New England.  HDHP (High-deductible health plan, HMO).   We currently
pay $405/month for 2 people.  I'm 41, my wife is 48.

In-network, $2000/person/year deductible.  Out-of-network, $4000/person/year
deductible. Hospitalization is subject to the deductible as any other
service.  Routine office visits are covered; non-routine office visits & ER
visits both subject to deductible.  No prescription; no dental.  No frills!

I think this is the least expensive plan HNE currently offers; and they are
currently the least expensive of any insurer I've had quoted, including
United Healthcare, Harvard Pilgrim, Tufts, and BCBS.

In order to get this plan our company joined the Associated Industries of
Mass. (AIM) which costs $125/year.

Last year we had United Healthcare, which offered a similar plan but with
$1k/$2k instead of $2k/$4k deductible, and they also had a $100 ER copay
after which it was fully covered.  But they raised their rates more than 30%
so we switched.

- Jeremy

----- Original Message ----- 
From: "Jeff Rutherford" <jeff at trylonsmr.com>
To: <hidden-discuss at lists.hidden-tech.net>
Sent: Friday, September 01, 2006 2:36 PM
Subject: [Hidden-tech] Health insurance


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For those who have opted to pay out of pocket for health insurance, has
anyone found a policy where you pay a very high deductible for any
hospitalization so that you can get a lower monthly payment?

If so, who is your insurer?

Jeff
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