Microsoft insurance

New
saaara

New

PRE
Microsoft
saaaramore
Mar 10 14 Comments

My wife is two month pregnant and I will join Microsoft next week. Which one of the two MSFT options are best for pregnancy. Will it be treated as pre-existing condition and excluded for claim? Thanks for answering.

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TOP 14 Comments
  • Microsoft
    Tier 1

    Microsoft

    BIO
    #1 in Prestige
    Tier 1more
    Premera is by far the superior option
    Mar 109
    • Cisco bitset
      What are copay , deductibles and biweekly pay check cuts for premera. Is it in network like Kaiser or also has out of network facilities
      Mar 10
    • Microsoft
      Tier 1

      Microsoft

      BIO
      #1 in Prestige
      Tier 1more
      None of Microsoft’s health insurance options require employees to pay any of the premiums.

      The Premera option has a deductible, then 10% coinsurance up to a limit, then everything is covered. There’s no copay.

      You also get an HSA and Microsoft contributes an amount slightly less than the deductible to it.

      For a single person the deductible is $1500, and the coinsurance is $1000. You get $1000 free in your HSA. So out of pocket max is $1500/yr which you can pay with pretax voluntary contributions to your HSA.

      Premera doesn’t cover out of network at 100%, but I believe they do once you hit the out of pocket max.
      Mar 10
    • Cisco bitset
      How is Kaiser hmo? How do these 2 compare?
      Mar 10
    • Microsoft
      Tier 1

      Microsoft

      BIO
      #1 in Prestige
      Tier 1more
      I’m not as familiar with that option. I understand that it’s cheaper if you don’t have much in the way of healthcare expenses, but otherwise it’s much worse.

      It has all the general downsides of HMOs, and doesn’t have covfefe outside the puget sound region.
      Mar 10
    • Microsoft / Salescofthego
      I've had both and Kaiser has been way better in terms of co-pays, seeing specialists much quicker, and overall prevention vs. Premera reactive.
      Mar 10
    • Cisco bitset
      Thanks cofthego. How much is per pay check deduction for Kaiser. I am married and I would need my wife to be covered as part of my plan.Also I guess there is no deductible and copay is flat 20$. If it is different please let me know
      Mar 11
    • Microsoft unclesatya
      Neither have paycheck deductions. And insurance kicks in day 1
      Mar 13
    • Cisco bitset
      Cool😀 looks like it is equivalent to google
      Mar 13
    • Microsoft unclesatya
      The only thing that I didn't catch about the HSA. Is it's proated depending on when you join. So I joined early January so I didn't get a lump sum for the first of year. The 2nd portion comes in July. The HSA takes effect a month after you join so while you still are covered you will have some bills out of pocket. They would be deductible tax wise since you can't use HSA reimbursement.
      Mar 13
  • Microsoft gfba68
    Either are fine. The HMO option is only good in the Puget sound region, so keep that in mind if you spend much time elsewhere. Company health plans aren't allowed to exclude pre existing conditions so long as you've been continuously insured.
    Mar 100
  • Microsoft jOFn57
    Your MS insurance should be able to cover, even you join MS after kid born you are still eligible for 3 month paternity leave, MS is great in this case.
    Mar 100
  • Microsoft fAuj64
    I know that for HSA you will max out, which means you are paying 3k pretax out of pocket (+2k that Microsoft gives you). How much will it cost in case of HMO?
    Mar 100
  • New
    saaara

    New

    PRE
    Microsoft
    saaaramore
    OP
    Thanks, respect such policies.
    Mar 100

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