fasak_vachadu Posted November 5 Report Share Posted November 5 20 hours ago, Hitman said: COBRA ఉంటది Andaru cobra cobra antaru but Emina telusa ela work ayithadi em em cover ayithadi entha money pay cheyali premium ki ani edo okati vachi cheppaddu Quote Link to comment Share on other sites More sharing options...
perugu_vada Posted November 5 Report Share Posted November 5 3 minutes ago, fasak_vachadu said: Andaru cobra cobra antaru but Emina telusa ela work ayithadi em em cover ayithadi entha money pay cheyali premium ki ani edo okati vachi cheppaddu As far as I know, Same coverage @fasak_vachaduuncle .. when u are employed with that company .. only difference is, company contribution kuda pay cheyali .. like monthly 300$ pay chesthe .. when u take COBRA if employer was paying 80% .. instead of 300$ u will end up paying 1500$.. 1 Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted November 5 Report Share Posted November 5 4 hours ago, Raisins_72 said: avva kaavali buvva kaavali antaav, edhokati mundhu insurance vundatam manchidhi kadha ra Bujji 😉 The worst plan that my company offers costs $900 from company’s pocket. With cobra, I get a chance to pay $900/month and keep the insurance. Would you be able to afford it? Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted November 5 Report Share Posted November 5 4 hours ago, megadheera said: ledu bhayya.. if your want same coverage then better to take cobra.. outside koncham cheap undachu but you will know the pain when you try to use it I agree with coverage but it’s a burden for laid off employee to keep paying $1500+ /month. I have an HSA plan with HMO. 0 out of my hand. Even for basic tests they charge $100+. My employer pays $900/month for it. Health Insurance is the biggest scam in this country. Quote Link to comment Share on other sites More sharing options...
Tellugodu Posted November 5 Report Share Posted November 5 4 minutes ago, Konebhar6 said: I agree with coverage but it’s a burden for laid off employee to keep paying $1500+ /month. I have an HSA plan with HMO. 0 out of my hand. Even for basic tests they charge $100+. My employer pays $900/month for it. Health Insurance is the biggest scam in this country. Don’t know the size of your company but I see, having a good benefits broker (generally company benefits/HR) work with them to negotiate premiums with insurance providers. Noticed some companies do a very good job of it and tries to keep prices low. Some companies whose benefits team is not robust gets ripped off by these insurance companies with heavy spikes on YOY premiums. Was previously worked for tech company and it’s zero premium for employees (all are paid by company) now with a bank and it’s 500$ month benefits cost (not including copay/deductibles, that comes once we see a doctor ). Glad spouse works for a hospital, hence got a good coverage through her employment. Quote Link to comment Share on other sites More sharing options...
megadheera Posted November 5 Report Share Posted November 5 11 minutes ago, Konebhar6 said: I agree with coverage but it’s a burden for laid off employee to keep paying $1500+ /month. I have an HSA plan with HMO. 0 out of my hand. Even for basic tests they charge $100+. My employer pays $900/month for it. Health Insurance is the biggest scam in this country. True but If they can afford better to take cobra Quote Link to comment Share on other sites More sharing options...
Rushabhi Posted November 5 Report Share Posted November 5 Firing and hiring common Oracle lo. Prathi quarter untundi Quote Link to comment Share on other sites More sharing options...
ManchamKodi Posted November 5 Report Share Posted November 5 On 11/4/2024 at 9:33 AM, Tellugodu said: Any desi santha effected ? Dantlo unnade desi sontha . asalu oracle evadu use chestunadu 1 Quote Link to comment Share on other sites More sharing options...
Raisins_72 Posted November 5 Report Share Posted November 5 45 minutes ago, Konebhar6 said: The worst plan that my company offers costs $900 from company’s pocket. With cobra, I get a chance to pay $900/month and keep the insurance. Would you be able to afford it? Asalu insurance lekunda atleast oka option ayithe undhi kadha for time being - would you be able to afford 100k bill without insurance or 10k with cobra insurance ? Quote Link to comment Share on other sites More sharing options...
ManchamKodi Posted November 5 Report Share Posted November 5 9 hours ago, Konebhar6 said: Our employers pay too much for insurance .. COBRA only ensures that you get the same offer for a year or so ... Its expensive .. I got to know when a colleague of mine got fired ... 1 year kadu @Konebhar6 anna. Cobra 18 months provide chestaru nuvvu Rashimika mayyaa lo padipoyavu marchipotunavu Saami 1 Quote Link to comment Share on other sites More sharing options...
ManchamKodi Posted November 5 Report Share Posted November 5 market place lo kuda insurance tesukovachu cobra meeku expensive anipiste @Konebhar6 @fasak_vachadu @Tellugodu Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted November 5 Report Share Posted November 5 44 minutes ago, ManchamKodi said: 1 year kadu @Konebhar6 anna. Cobra 18 months provide chestaru nuvvu Rashimika mayyaa lo padipoyavu marchipotunavu Saami Probably. I don't know the tenure. 41 minutes ago, ManchamKodi said: market place lo kuda insurance tesukovachu cobra meeku expensive anipiste @Konebhar6 @fasak_vachadu @Tellugodu Last I talked to my friend, he said there are some other options. He was talking to a desi agent. Will have to check details from him. Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted November 5 Report Share Posted November 5 46 minutes ago, Raisins_72 said: Asalu insurance lekunda atleast oka option ayithe undhi kadha for time being - would you be able to afford 100k bill without insurance or 10k with cobra insurance ? I never meant to live with out insurance in this country. Its a must. I was talking about exploring other Insurance options. May be buy from marketplace. People think COBRA is cheap, but its not. Quote Link to comment Share on other sites More sharing options...
Raisins_72 Posted November 5 Report Share Posted November 5 2 minutes ago, Konebhar6 said: I never meant to live with out insurance in this country. Its a must. I was talking about exploring other Insurance options. May be buy from marketplace. People think COBRA is cheap, but its not. Cobra is expensive, but middle of the year marketplace lo insurance isthaara ? Quote Link to comment Share on other sites More sharing options...
Konebhar6 Posted November 5 Report Share Posted November 5 1 hour ago, Tellugodu said: Don’t know the size of your company but I see, having a good benefits broker (generally company benefits/HR) work with them to negotiate premiums with insurance providers. Noticed some companies do a very good job of it and tries to keep prices low. Some companies whose benefits team is not robust gets ripped off by these insurance companies with heavy spikes on YOY premiums. Was previously worked for tech company and it’s zero premium for employees (all are paid by company) now with a bank and it’s 500$ month benefits cost (not including copay/deductibles, that comes once we see a doctor ). Glad spouse works for a hospital, hence got a good coverage through her employment. $20B company. We have different options for insurance. Best one if we have health problems is $220/Paycheck for a family. copays are very less. I took the cheapest option which is $0/paycheck. But copays are more. Works out for me. But my point is that even the worst of the plans, the company pays $900/month for insurance. It's a lot. 1 Quote Link to comment Share on other sites More sharing options...
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