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XPO | Insurance

Groceryhauler said:
Got my packet in the mail today. Going up about 8 bucks a week for the wife and I. Tobacco surcharge went up to $23.08 a week.
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Thank you for making it so that I don't have to read a weekends worth of " health care is gonna be 100 dollars a week " posts.
 
Got mine in the mail. I'm under the Classic PPO. Pricing for you and spouse is $51.23/wk, $34.62/wk for you and kids, or like me $74.08 for the whole family regardless of how many kids you have. Other noteworthy changes deductible is now $750 individual $1500 family. Out of pocket maximum is now $5000 individual, $10000 family. But, office calls to a primary care doctor are now a $35 copay, doesn't count towards deductible but does count towards out of pocket maximums. $60 copay to see a specialist, $45 copay for urgent care, and $150 copay for outpatient hospital emergency room.
 
micshol said:
Got mine in the mail. I'm under the Classic PPO. Pricing for you and spouse is $51.23/wk, $34.62/wk for you and kids, or like me $74.08 for the whole family regardless of how many kids you have. Other noteworthy changes deductible is now $750 individual $1500 family. Out of pocket maximum is now $5000 individual, $10000 family. But, office calls to a primary care doctor are now a $35 copay, doesn't count towards deductible but does count towards out of pocket maximums. $60 copay to see a specialist, $45 copay for urgent care, and $150 copay for outpatient hospital emergency room.
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Thanks for the info. Big meeting tomorrow and hope to get my package in the mail soon.
 
I figured premiums and/or deductibles would go up. I saw what I wanted to in that we now have a copay for an office call instead of paying the deductible first.
 
Has anyone used the HSA plan? With the copay on the classic plus that doesn't go to your deductible I'm doing the math on the HSA. Pros and cons. Press on
 
I love having a copay so I can see a primary care doctor for 35 bucks without having to pay my deductibles first. Only really have to worry about deductibles if having procedures, xrays, surgeries, hospitalization.
 
Cab Lizzard said:
Wait till you get the bill for the lab work.......Your going to really love that......
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sure the deductible is a little higher but otherwise that would be same as before, except that on years when I don't need lab work wich is most I'll just be paying my dr copay instead of the entire bill
 
anosyone said:
If you tell your doctor you want to go to a lab that your insurance contracts with your bill will be much lower.
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And if the lab work is part of a yearly physical (cholesterol sugar etc), it should be covered. It all depends on how it's billed.
 
pltjack said:
I had blood drawn at a lab last summer. Billed $169.00 and Cigna discounted it down to 151.81 and my portion was $17.19. I am on the ppo plan.
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Under new ppo, we are likely to have to pay the co-pay along with a separate amount for stuff like labs that come out of our yearly deductible. What you pay in co-pays does not apply towards deductible.
 
smokin'joe said:
Under new ppo, we are likely to have to pay the co-pay along with a separate amount for stuff like labs that come out of our yearly deductible. What you pay in co-pays does not apply towards deductible.
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That's a bunch of BS, anything you pay out of pocket should apply to yearly deductible (maximum out of pocket)
 
boomer55 said:
That's a bunch of BS, anything you pay out of pocket should apply to yearly deductible (maximum out of pocket)
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Will apply to (maximum out of pocket) but not the deductible. Guessing when you payed 17 bucks for a 150 bill you had already paid your deductible.
 
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