Comments on: Tales from the Wallet: Tips for Open Enrollment http://corporette.com/open-enrollment-tips/ A work fashion blog offering fashion, lifestyle, and career advice for overachieving chicks Fri, 19 Jan 2018 16:52:52 +0000 hourly 1 https://wordpress.org/?v=4.9.2 By: InfoGeek http://corporette.com/open-enrollment-tips/#comment-3408862 Wed, 28 Oct 2015 22:48:16 +0000 http://corporette.com/?p=52808#comment-3408862 Yes, currently I decline medical coverage at work and go on my spouse’s plan.

Drawbacks:
1. Many companies are going to a “spouse penalty” where there’s a penalty for enrolling your spouse if she/he can get coverage through her/his work.

2. If the two companies don’t have the same benefits year, then switching from one to another can involve double-coverage/double-pay for a while. For example, the company I work for uses the calendar year as a benefits year and the place he works runs July 1 – June 30. So, when I switched from my insurance to his, we had to sign up to cover me from July 1, while I was still paying at work through December 31. So, I had double-coverage for 6 months.

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By: InfoGeek http://corporette.com/open-enrollment-tips/#comment-3408859 Wed, 28 Oct 2015 22:44:44 +0000 http://corporette.com/?p=52808#comment-3408859 If you belong to a professional organization, you might check whether they offer insurance discounts.

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By: Allergies http://corporette.com/open-enrollment-tips/#comment-3408824 Wed, 28 Oct 2015 21:32:40 +0000 http://corporette.com/?p=52808#comment-3408824 FYI, I am in the South Bay too. I can usually see my primary doctor the same day orwithin a day or two. I can usually get a same day telephone appointment or response to email. When I needed to see him for an urgent condition, and he wasn’t available, I was scheduled with another primary for an appointment within 2 hours.

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By: Amy http://corporette.com/open-enrollment-tips/#comment-3408821 Wed, 28 Oct 2015 21:28:53 +0000 http://corporette.com/?p=52808#comment-3408821 I was in the South Bay when I used psychiatry services, but I’ve been in the East Bay for about 10 years now so I don’t really remember specific doctors. So sorry I’m not a ton of help on that question. When I got help I called in to the mental health line directly and told them my situation and got a direct appointment for an assessment. IIRC I had a phone assessment then an in person appointment with a specialist.

More recently I’ve needed referrals for other kinds of specialists (mostly ENT for me and my son) and my PCP and his Ped have been very easy to work with on that. I’m sure it somewhat depends on the PCP, but my experience has been that since they are all “on the same team” if the PCP sees a need they do the referral right at the appointment. They don’t really have any incentive to do specialist work. I had an ear issue and needed an eval, then audiology tests, then follow up treatment and appointments. Once I started with the Head and Neck Surgery dept it was all done directly through them until they decided I was done with treatment.

Hope that helps!

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By: Ems http://corporette.com/open-enrollment-tips/#comment-3408813 Wed, 28 Oct 2015 21:20:51 +0000 http://corporette.com/?p=52808#comment-3408813 I did the HSA in 2014 and while it was annoying (covered nothing), my one ER visit was fully covered by my HSA ‘savings’ so I don’t feel too bad about essentially paying out of pocket.

as for FSA, I had some money and if you know you’re going to have certain large medical expenses, I understand it’s really useful (pre tax $ so it reduces your “taxable” income) but it wouldn’t be helpful if you don’t spend much on medical FSA eligible items.

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By: Plan Me http://corporette.com/open-enrollment-tips/#comment-3408812 Wed, 28 Oct 2015 21:20:07 +0000 http://corporette.com/?p=52808#comment-3408812 Amy – hoping you’ll see this message. I am in NorCal (South Bay area). Do you happen to have any psychiatrists that you recommend? Also, can you give me an idea of how hard it was to get appointments with Primary Care physicians and how agreeable they are to write specialist referrals? Thanks!

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