Microsoft Health Care in Seattle

Microsoft userg7
Feb 24, 2018 11 Comments

I am planning to move to US. New to their health care system. Given that I'll be working for Microsoft at Seattle, how do you rate their (FTE) Health Care benefits compared with rest of the companies in Seattle?

comments

Want to comment? LOG IN or SIGN UP
TOP 11 Comments
  • Microsoft Hellioli
    Where are you moving from? There are two choices: Premera and Kaiser. Conceptually they work very differently.

    With premera you chose your doctors and will have to copay a part of your expenses up to the deductible (I believe 2k). But MSFT puts an equivalent money for you on a HSA account every year. So technically you pay almost zero.

    With Kaiser you are part of a network. They are both the insurer and the provider. Which means you can only chose from the doctors they offer. But you rarely see an invoice. Copayment is 20$ per normal visit and 40$ per specialist. We had our baby with them and all the pregnancy check ups and so costed us near 0$. It is more of a health care system like we know in Europe.

    The thing is that if you want to visit a particular dermatologist or specialist with Kaiser you won’t be able to do that...

    Overall I think Microsoft has the better benefits of all. We even declined coverage from Amazon to keep both of us on MSFT insurance. And I know couples from NVDIA+MSFT who also stick to the MSFT plan.

    Nevertheless it is a bit an “illusion of choice”. We found that at the end of the day all child deliveries happened at the Swedish hospital no mater which insurance you had.
    Feb 24, 2018 4
    • Microsoft Cjkgxcn
      It is not true that all child delivery happen at Swedish. With premera you can also go to Evergreen or Overlake.
      Feb 24, 2018
    • Microsoft Hellioli
      True. Premera has more options.
      But we know people with Aetna, Premera, Kaiser and others who all ended up to had their babies at Swedish. Just as an illustration point.

      Also sorry I was referring to Seattle not Eastside.

      In fact that is a good point, maybe Kaiser does not work so well on the East side, they seem to have less facilities there. So you should check also depending where you live.
      Feb 24, 2018
    • Microsoft qvAO22
      Deductible part where u say it is 0$ is not true.. probably you r nor married.. if u r married and have wife n kids deductible is 3750$ and microsoft only gives u 2500$ max.. 1250$ u have to shell out of pocket.. this is just to have insurance kick in and they don’t cover 100% until your out of pocket reaches 6000$ (they cover 90% from 3750 to 6000$)
      Feb 24, 2018
    • Salesforce monkyMarc
      FYI Aetna covers evergreen. I have found Aetna coverage similar to prem era so far
      Feb 24, 2018
  • Microsoft .,
    Is msft plan better than Google and Facebook?
    Feb 24, 2018 1
    • Microsoft / Product
      Karsa

      Microsoft Product

      PRE
      startups
      Karsamore
      Why does it matter whose is "better" the hsa plan my msft is super fantastic. Cost us about 1500 out of pocket to have a baby... And that "out of pocket" came from the pre tax hsa that msft contributes to
      Feb 24, 2018
  • Microsoft / Product
    Karsa

    Microsoft Product

    PRE
    startups
    Karsamore
    Microsoft hsa plan is the best
    Feb 24, 2018 1
    • Microsoft Bybq28
      Ditto. I remember the time when there were no deductibles but even today MS plan is the best, period.
      Feb 24, 2018
  • Microsoft qvAO22
    Its pretty standard .. not so great as they do high deductible.. no free health care
    Feb 24, 2018 1
    • Microsoft 🏇 💩?
      It may be a high deductible; however, there are zero payroll premiums for the employee and all covered dependents.
      Feb 24, 2018

Salary
Comparison

    Real time salary information from verified employees