Hi Folks, Wanted to know the benefits of google Anthem Ghip and Anthem Ppo insurance. Which is better for Seattle? Family of three and kid needs to visit Seattle Children hospital twice a year. Thanks for the help.
PPO if you have kids you will have some expensive medical claims. And you’re already saying you need to go to hospital twice a year.
Does PPO have lower OOP max than GHIP ?
One invisible downside of gHIP and similar HPDP plans is it encourages you to not go to the doctors and thus saving money for your employer’s bottom line. You have skin in the game with HPDP unlike PPO. It helps the company since recently they invoked the Cadillac law which will slap a fine on employers who don’t lower per employee healthcare cost. https://knowledge.wharton.upenn.edu/article/high-deductible-health-plans-pros-and-cons/ https://taxfoundation.org/cadillac-tax-employer-sponsored-health-insurance/
Can someone share the benefit document for both the plan. I am joining Alphabet and will need to decide which one to pick on my first day. Recruiter shared the summary but I don't have details.
Tech Industry
Yesterday
3242
What happens when most of your team is Indian?
Tech Industry
Yesterday
1846
Women, help me understand why this is inspirational
Health & Wellness
Yesterday
720
Lasik cost
Tech Industry
Yesterday
376
(SWE) Is the job market improving?
AMA
Yesterday
856
PM Manager, early 40s, married and ENM (Ethical Non Monogamous) AMA
GHIP. High deductible plan, lower premium. Google provides seed money every year to cover deductible/out of pocket. You keep that seed money if you don't use it.