united healthcare

Honestly would look into getting your own plan, probably get one cheaper with better coverage. I was charged almost $100 for a pnuemonia shot this year that had always been covered by prior insurance. I am looking for my own now.

 

Getting your own if not part of a group can be crazy expensive. I know a couple of retired folks paying over 1K a month just to be insured. Even though it's not the best ins, sometimes being part of a large group is best. I'm facing the same decision here soon. I need family coverage because the wife wants to find a diff job and right now she has our plan.

 

[FONT=Helvetica, Arial, sans-serif]I am deciding which plan to go with as well. I shopped for private insurance which is cheaper for now but was told they raise the rates 5% per year min. Plus they can drop you from what I have heard or make it hard to get bills paid etc. "Weasel Plan

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• If you use a provider in network, the Silver Plan pays 75% of eligible charges. The Gold plan pays 80% of eligible charges. Out of network, the Silver Plan pays 50% of eligible changes and the Gold Plan pays 60% of eligible charges.
• Annual deductibles: Silver Plan is $1,050 for single and 2 x $1,050 for greater than single coverage. The Gold Plan is $525 single and 2 x $525 for greater than single coverage.
• The cumulative amount of co-insurance you will pay is capped. $6,500 in network and $13,000 out of network for the calendar year with the Sliver Plan. $3,900 in network and $7,800 out of network for the calendar year with the Gold Plan.
• Prescription drugs: Silver Plan, after a $65 deductible per person is covered with the following co-pays:
  • Tier I - Generic $12; Tier II - Brand with a negotiated price $40; Tier III - Brand $60
• Prescription drugs: Gold Plan, after a $50 deductible per person is covered with the following co-pays:
  • Tier I - Generic $12; Tier II - Brand with a negotiated price $40; Tier III - Brand $60
  • 
    GOLD OR SILVER? Wish they offered PLATINUM = 100% coverage after $500 family deductible well care visits no cost and prescription $10.00.

 

They could, but it would probably cost more than your weekly gross.

 

I am going on the 7/7 which means my wife and I would pay $105.86 per week. That's $211.72 for the 7 days that I work then 7 off. Looks like your close! About 1/2 NET check if only driving @2200 miles in the 7 on. BUT, I am very excited to drive and not doing this to get rich. Love to drive and know that it's not all easy or fun all the time.

[TABLE="width: 740"]
[TR]
[TH="bgcolor: #E11B23"]GOLD PLAN RATES (per week)[/TH]
[/TR]
[TR]
[TD="class: subhead caps, bgcolor: #666666"]ROEHL DRIVER[/TD]
[TD="class: subhead center caps, bgcolor: #666666, colspan: 2, align: center"]LESS THAN 12 MONTHS[/TD]
[TD="class: subhead center caps, bgcolor: #666666, colspan: 2, align: center"]OVER 12 MONTHS[/TD]
[/TR]
[TR]
[TD][/TD]
[TD="class: subhead center, bgcolor: #666666, align: center"]Non-tobacco[/TD]
[TD="class: subhead center, bgcolor: #666666, align: center"]Tobacco[/TD]
[TD="class: subhead center, bgcolor: #666666, align: center"]Non-tobacco[/TD]
[TD="class: subhead center, bgcolor: #666666, align: center"]Tobacco[/TD]
[/TR]
[TR]
[TD]Single[/TD]
[TD="class: right, align: right"]$30.59[/TD]
[TD="class: right, align: right"]$48.59[/TD]
[TD="class: right, align: right"]$25.59[/TD]
[TD="class: right, align: right"]$43.59[/TD]
[/TR]
[TR]
[TD]Single + Kids[/TD]
[TD="class: right, align: right"]$67.48[/TD]
[TD="class: right, align: right"]$85.48[/TD]
[TD="class: right, align: right"]$57.48[/TD]
[TD="class: right, align: right"]$75.48[/TD]
[/TR]
[TR]
[TD]Single + Spouse[/TD]
[TD="class: right, align: right"]$87.73[/TD]
[TD="class: right, align: right"]$105.73[/TD]
[TD="class: right, align: right"]$77.73[/TD]
[TD="class: right, align: right"]$95.73[/TD]
[/TR]
[TR]
[TD]Family[/TD]
[TD="class: right, align: right"]$110.67[/TD]
[TD="class: right, align: right"]$128.67[/TD]
[TD="class: right, align: right"]$100.67[/TD]
[TD="class: right, align: right"]$118.67[/TD]
[/TR]
[TR]
[TD="class: subhead, bgcolor: #666666"] [/TD]
[TH="bgcolor: #E11B23, colspan: 4"][/TH]
[/TR]
[TR]
[TD="colspan: 5"]
7-On/7-Off drivers pay an additional $18.13/week. 7/4-7/3 and 14/7 drivers pay an additional $7.21/week.
NY residents have slightly higher rates.
*Rates are subject to change without prior notification.[/TD]
[/TR]
[/TABLE]

 

Roehl's insurance should be categorized as catastrophic! First plan I have ever had where "co-pay" means AFTER your deductible. With what drivers make, I'll be getting ObamaCare next year and dropping Roehl's insurance. Even if I pay a little more, I will get better insurance than this crap. IMO!

 

Is there anyone that has the insurance and works on the 7 on and 7 off schedule? Just curious to see what others have decided to do.