Ad JS

Collapse

Leaderboard

Collapse

Leaderboard Tablet

Collapse

Leaderboard Mobile

Collapse

Announcement

Collapse
No announcement yet.

Federal Cop --- Which Health Insurance Should I Choose?

Collapse

300x250 Mobile

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • m.p.c
    replied
    Federal insurance sucks. Marry someone with good insurance. Not a huge difference in providers, any basic option is good. In terms of dental, depending on your dental record and which plan you use, you will need a supplemental dental insurance. For example, Blue Cross covers very basic dental costs like cleanings as part of their health plans. Anything in addition will need a supplemental health plan or you pay out of pocket.

    Leave a comment:


  • PeteBroccolo
    replied
    Originally posted by OrdiOrdi View Post
    I'm a new federal cop. Which health insurance should I choose?

    Background: I'm single, 0 dependants. Im very healthy and dont go to the doctor... havent been in probably 10 years... If I get sick, I just deal with it.

    So basically, I'm looking for something that is extremely low cost, would cover me in the case of an emergency. I would also like to visit a dentist once a year for a cleaning/inspection and a filling here and there....

    Any tips? This is all extremely overwhelming....
    Your Agency has no plan / provider you can join, or HR / Health Services office to consult?! Yikes - sorry, my Canadianism was showing!

    Leave a comment:


  • Exbpa340
    replied
    Originally posted by OrdiOrdi View Post
    I'm a new federal cop. Which health insurance should I choose?

    Background: I'm single, 0 dependants. Im very healthy and dont go to the doctor... havent been in probably 10 years... If I get sick, I just deal with it.

    So basically, I'm looking for something that is extremely low cost, would cover me in the case of an emergency. I would also like to visit a dentist once a year for a cleaning/inspection and a filling here and there....

    Any tips? This is all extremely overwhelming....
    The below applies to federal employees (not contractors)..

    1 - The Federal government doesn’t give you an allotment like many local government positions. It covers approximately 75 percent of the premiums regardless of plan and cost. So if you get a plan that is $800 a month your portion would be around $200. This continues through retirement.

    2 - Dental is a separate issue and you will have to come out of pocket for any dental coverage.

    3 - Many plans tend to be geographical. I am located in California and use Kaiser. It is a little expensive but has been excellent. If I were in your situation I would think about a PPO (like Blue Cross/Shield). You may have a little more out of pocket if you go to the doctor but (at least when I had them) you have greater flexibility. If you get injured... say a knee injury and you know it’s pretty bad you can make an appointment directly with a specialist. These plans can get cost prohibitive for a family though.

    Leave a comment:


  • moparfan
    replied
    Can't really say with out knowing the plan options. If you get an allowance then max it out, it's not your money your spending it's the governments. For example if you have an allowance of say $600. Look at all the options medical,dental, life insurance and such and see what you can max out with, without going out of pocket.

    Leave a comment:


  • CCCSD
    replied
    Dental is minimum twice a year, not once a year. You need the best coverage you can afford. Tomorrow, you might have a stroke, break a leg, get a CA Dx. Why gamble?

    Leave a comment:

MR300x250 Tablet

Collapse

What's Going On

Collapse

There are currently 5632 users online. 184 members and 5448 guests.

Most users ever online was 19,482 at 11:44 AM on 09-29-2011.

Welcome Ad

Collapse
Working...
X