I have Aetna this year, and will go for the same thing in 2011. My wife and I are on MEDICARE, and AETNA. We paid NO CO-PAY, and no minimum. I had cancere...
... Yes. That is exactly what it means. I had major surgery to the tune of about 150,000 all told. Cost me the out of pocket max for the low deductible. BTW...
I had the same insurance this year. When I reached my maximum deductable I thought United Healthcare would begin to pay what Medicair did not pay, or at least...
Gene, it's a good thing: if your co-pays reach this amount, you have no further co-pays (i.e. the plan provides 100% coverage)! Think of it as 'catastrophe...
... If a major illness costs $100,000 and your annual out of pocket maximum is $4,000, all you pay at most is $4,000. The plan pays the rest. This maximum...
You need to read the fine print in any of these offerings. I have a chronic disease so usually hit the out of pocket every year. However that "out of pocket"...
Also, you might want to compare your spouses cost for "IBM" Nor Cal Kaiser coverage with the general public rate. Using the copay25 plan(Kaiser's most...
Best way to explain is by example. If you or your life partner develop cancer, it will be very expensive. You'll have copays on tests, hospital stays, and...
The annual out of pocket maximum is GOOD. I chose an IBM plan because anything close in cost on the open market often has no annual out of pocket maximum -...
Ok, I concede the point. Bernanke's 60 Minutes interview confirmed that Deflation is his worry. And he said that if QE2 caused rapid inflation, he was "100%"...
I also live in Northern California. You are correct about the cost of Kaiser coverage, but did you also notice that the coverage has changed? The copay for...
Once more with feeling. Deflation is our worry now, not inflation. Make all your decisions based on deflation, not inflation. The FED can NOT lower the...
I chose to self-insure for dental after having a review with my dentist to estimate future work, and I am "self only". The monthly premium is high, and only...
I agree. The inflation gambit is very real with regard to the pension annuity (which I am on). With the Federal Reserve hell bent on inflating our way out of...
Wow, this highlights the different cost for the non-IBM self-insured option by region. If the Oxford in the NY Hudson Valley is $1136, just across the border...
I retired in '95. Live in Washington. Both of us on Medicare. Got the IBM 2011 plan today. The rate went up $8.90. This year with full medical (Aetna), Dental,...
Your rates are for the "old" medical plan which gets a subsidy of up to $7000 per year from IBM (averaged across all old-plan retirees). The higher rates are...
I live in Northern California and my rates are considerably lower - I am non Medicare eligible. For Example: IBM EPO $266 IBM Low Deductable PPO $367 IBM high...
The FHA rates appear to be the same as in all parts of the country. If you are already eligible for retirement, you should be able to log on to NetBenefits and...
If you are looking for the Summary Plan Document you can find it on the Fidelity Net Benefits Site. Click on Health & Benefits Link - then scroll down to...
Here is the FHA from Bethalto, IL: (self only) IBM High Deductible PPO ........548 IBM Med Deductible PPO .........655 IBM Low Deductible PPO .........824 HMO...
Does anybody have the package from NC that is covered by the Future Health Account ? If so, can you post the information here ? I am just curious since I am...
Here's some commentary from Morningstar on annuities in general: http://download.cnet.com/Ping-Tester/3000-2085_4-10819112.html Obviously the situation is...
Received my 2011 package, not too bad for the option that my wife and I use (Medical prescription drug package) only went up $8.00 per month. from $103 to $111...
. . . As a percentage of market capitalization, the biggest pension deficits were seen at AXA SA (18%), Boeing Co. (16%) and Daimler AG (15%). Boeing's pension...
