m****n
发帖数: 145 | 1 刚刚拿到一个工作offer，正在研究保险,有几个地方不明白 大家帮忙看看
到底是公司全部cover保险，还是自己得出一部分？
选family plan 和employee only 哪个合算呢？谢谢！ |
J*****e
发帖数: 422 | 2 The premium for the you and your family are all paid by your employer. No
cost to you.
However, the deductible is really HIGH! If you enroll a family, it is $5k!
Be sure to ask if everyone has to hit the 5K before the coverage kicks in!
Maybe the 5k is for whole family , BUT it could be for everyone in the
family. My company's plan was the latter last year!
It is a BAD plan according to my experience. Since the deductible is SO high
. You might end up just like me, pay everything out of pocket! |
I****8
发帖数: 988 | 3 这个保险deduction 太多了，属于传说中的fake health insurance。
虽然，每月不用交钱，但基本上看病都得自己掏钱，等花了超过4000，然后有partial
coverage，等超过5000，就不用付钱了。（以2个人为例）
只要不生病，这个保险还挺好的。 |
m****n
发帖数: 145 | 4 那就是说，有个小病去看医生，然后要全付医药费？唉，这个太衰了。 |
m****n
发帖数: 145 | |
n****7
发帖数: 8354 | 6 100% family plan. it is free. double insurence is better than single one |
I****8
发帖数: 988 | 7 不衰的，我的2周被扣185刀，看病要付25刀copay，有的还不cover，很麻烦。
【在 m****n 的大作中提到】
: 那就是说，有个小病去看医生，然后要全付医药费？唉，这个太衰了。
|
W***u
发帖数: 789 | 8 DDB
high ,
in networ
90% ! |
