My wife got a job at a school and we were looking at the medical insurance stuff.

They offer two HMO's that would only cost us $10-$15 every paycheck (biweekly pay) a PPN which would cost us about $40 every paycheck and a traditional medical insurance plan which would cost us about $490 every paycheck.

My questions are:

What is a PPN?
What is the difference between a PPN and a HMO?
And why would anyone pay $490/paycheck (almost $1,000/4weeks) for medical insurance? Is that normal?

All those plans are after what is covered by the school. The traditional plan is listed as over $2k/month so our portion is just less than half but why the fuck is it so much?

I really know nothing about medical insurance...educate me.

 

holly shit $490/month?? do they base the premium on your wifes salary?

 

Preferred Partners Network

 

$490/paycheck..it's over $1k a month

and that is with the school covering half....I'm hoping that there is a typo...but it's listed like that in like 5 different places.

 

wow i am even more shocked

Sorry obviously i dont know shit about this kind of things. Never knew it was that expensive. Maybe the check disbility part policy.

 

Past health problems?

 

holy fuck i pay like 300/mo and i thought that was high

 

I pay 20/wk
25/Office visit
50/urget care
100/ER

 

i pay $38/2wks for blueshield/bluecross ppo :dunno:

Employee Deductions $37.99
Agency Contributions $113.99
Total $151.98

 

Damn that's nuts

I pay nothing for my insurance. Company pays it all.

Includes (Aetna, VSP, ASHP):
Health
Dental (3 plans)
Eye (3 plans)
Chiropractic (2 Plans)
Acupuncture (1 plan)
Massage Therapy (1 plan)

There are other small things too.

I don't even want to know how much it costs the company PER person.