Di tengah bertebaran majalah ekonomi, kewirausahaan, dan keuangan, siapa yang peduli dengan business mikro, kecil dan menengah? Siapa yang membesarkan hatinya dan menyemangatinya untuk terus maju? Kami hadir ditengah kegersangan itu ! Majalah WK kini tampil lebih bersahabat, lebih fokus, dan menjadi sahabat bagi para pebusiness. Kami bangga dapat menampilkan mereka, dan bangga bersahabat dengannya.
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How to Choose Health Insurance
Most of the time it's a lady shopping for the Health Insurance, in families it's Mom, in companies it's payroll/book-keeper (also sometimes Mom in small companies). The guys just say 'I never use it', and leave the room.
The primary concerns are usually Office Visits, Rx (Prescription Drugs) and Hospital stays. Since ladies are usually looking more closely, we often find Maternity in the list of concerns, when the guys stay in the room, sometimes we are asked about Chiropractic. This is not ALWAYS the case, just the usual mix of concerns. You should definitely read the summary of benefits BEFORE using my comparison method. Both plans should be acceptable to you, you just want to know which makes sense financially.
Having been in thousands of discussions about Health Insurance I have found a simple way to compare High Deductible plans that cost less monthly, to Low Deductible Plans that cost a lot of money monthly. It is basically this:
Add up the annual cost of the High Deductible plan, say $100 per month times 12 = $1200 per year.
Add up the annual cost of the Low Deductible plan, say $300 per month times 12 = $3600 per year.
Subtract the smaller: $3600 minus $1200 = $2400, that is the yearly savings if you choose a High Deductible Plan.
Now, you don't use the deductible to compare, but a feature of PPOs called "Maximum out of Pocket" or "Stop Loss". That is your worst case scenario, everyone is sick, or everyone is injured and you all meet your deductible and co insurance up to that number, say $10,000 for a family.
At that rate, saving $2400 per year, you would have to go about 4 years to save the money you would need in a worst case scenario.
In my own case, family of 5, Los Angeles rates, a Low Deductible Plan is over $1000 per month, a high deductible plan is less than $300, we save over $8000 per year, and have been saving for over 12 years (we have an HSA, with a $3400 deductible, $10,000 max out for the family).
Many newer High Deductible plans like TONIK, from Anthem Blue Cross ,include Preventative, Dental and Vision benefits, which are more likely to be used than major medical. We all need a teeth cleaning, we don't all need a transplant, so those plans make sense to many people, and are extremely popular.
My comparison system still works, you simply add the cost of buying separate Dental and Vision to the cost of the plan without them, that really makes the newer plan including those benefits desirable, if you would use those extra benefits.
It's a simple rule really, and can be applied to other benefits, like Glasses on a Vision plan:
Vision coverage is $3 per person per month, with Lenses and Glasses covered it's $10.
You have 10 in your group, so that is $100 per month, $1200 per year.
Only two wear glasses, everyone else just needs the exam.
You only need exams for most, so that's $3 per month times 10, $30 = $360 per year.
You simply buy new glasses every two years for the two who wear them, and save $840 per year.
Once again, the focus here is on financial aspects of insurance, not the benefits, which must be weighed separately, and could be called "Getting a good deal". This method can tell you if you are "Getting a good deal" financially, comparing benefits is another story. Which I intend to write soon!
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Diterbitkan untuk didedikasikan kepada masyarakat Indonesia yang Mandiri, Berkualitas dan Sejahtera Lahir Batin
Majalah WK adalah Majalah Spesifik Kewirausahaan. Sumber Setrum Entrepreneurship . Terbit setiap awal bulan. Beredar Nasional Pemimpin Umum/Redaksi : Isdiyanto; Wakil Pemimpin Redaksi : Bayu Hari Himawan; Redaktur Ahli : Krisna Wijaya, M. Choirul Amien, Djati Sutomo, Gimin Sumalim, Drg Adyan Soeseno, Agung Suprihanto; Koordinator Liputan : Estu Lestari; Reporter : Suripto, Iswahyuni, Edy Santoso, Sekretaris Redaksi : Dwi Indah Nurilhami; Event&Kolaborasi Bisnis : Amalia Rosa Sriani; Perwakilan Redaksi & Iklan; Surabaya: Isharsono - Jl. Menanggal Utara No 1 Surabaya (Ruko Wisma Pagesangan) Telp. 031-71040293/8281172. Bandung: Anggy Anindita S - Cipadung, Bandung. HP 081808803379 Denpasar: Iswahyuni - Jl. Pulau Selayar No 39, Denpasar Telp. 0361-8503401, HP 0817357832. Semarang: Albert Marbun - Jl. Kelud Utara II/2 Semarang Jawa Tengah
Telp. 024-8503852, 70116152, 08174862781; Bagian Keuangan : Nurhayati; Sirkulasi : Ripto, Edy Desain/Tata Letak : Noor Fajar; Penerbit : PT Candra Awe Selaras. Alamat Redaksi : Jl. AUP Barat No 15 (Jl Saimi ), Jatipadang, Pasar Minggu, Jakarta Selatan .Telp. (021), 78843074, 78834735, Fax. (021) 78843074. Email: isdiyanto_he@yahoo.com; SMS : 0812-8042552 . Informasi Pemasangan Iklan Hubungi : Jabotabek dan Bandung telepon 021-78834735/78843074 dengan Indah/Ati, Surabaya telepon 031-71040293,
08155048726 dengan Ishar, Semarang 024-70116152, 08174862781 dengan Albert, Denpasar telepon 0361-8503401, HP 0817357832 dengan Yuni. Wartawan
Majalah Wirausaha & Keuangan selalu dibekali tanda pengenal dan tidak diperkenankan menerima atau meminta imbalan apapun dari nara sumber sehubungan dengan pemberitaannya. Rekening Bank, PT Candra Awe Selaras : Bank Mandiri (126-0002201548 Cab Jatipadang), BCA (718.0163004 Cab Pejaten) Jakarta Selatan.
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