Open enrollment is happening now until the 22nd. They only gave us two working weeks to look at this stuff. I feel like a whole month would have been better.
Here are the options, the costs are biweekly (with each paycheck). We currently have the Basic PPO. Dental is $2.89 per pay period for both of us. Vision is $7.81 per pay period for both of us.
Total per month if we go with the basic plan for next year (what we currently have): $65.12 ($1159.86 for the year)
Total per month if we go with the premier plan: $185.40 ($2410.20 for the year)
If we have another year like this one and the one before, having the premier plan would be well worth it to reduce out of pocket costs. If we end up having a fairly healthy year, however, that could be a lot of money wasted on the plan alone. We could cover the premier plan, but it would be tight, esp. not knowing what kind of work Hulky might end up with after graduation. He has dual coverage (from his dad & my plan) until May, at graduation. What do you guys think? There is also an FSA available, but I'm not sure if I could use it for both Hulky and me. It would be untaxed money to spend on qualified medical expenses (copays and deductibles, plus basically any doctor's bill I get), so you save money. But again, if we don't have another sick year, it's money wasted.
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