I’m getting crushed.

Hi everyone,

Let me preface this by saying I’m very uneducated when it comes to insurance, but I feel like I’m getting crushed on my monthly premium.

I have insurance through my employer, for myself and 1 dependent.

I pay out of my check $371 per pay period ($742 per month).

Below is my current plan with United Healthcare:

UHC Medical Choice Plus Direct DH-FT

UHC Dental P1211

UHC Vision S1008

My individual deductible is $3000, $50 for dental, and out of pocket max $7,500.

For family everything is double, 6k deductible, $150 dental, $15k out of pocket max.

When I signed up for this plan through my employer, I admit I had no idea what I signed up for (I still don’t).

To me it seems really expensive to be paying nearly $800 per month, for 2 people, while each still having a 3k deductible.

Is what I’m paying “normal” or am I getting screwed?

What options do I have to get my monthly premium lowered? If I’m going to pay $800 per month, I at least assumed my deductible would be very low compared to what it currently is.

Any insight is greatly appreciated!

submitted by /u/Dingle_McBuckets
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