Would love to get feedback/suggestions for this mobile browser that we built with a different browsing mechanism - jumping down/up pages as an alternative to scrolling! Initially built as a project to help folks who can get dizzy (or eye fatigue) with scrolling, Jump Browser's feature of jumping down/up pages feels more visually comfortable for many users. As an equally strong benefit, this method is much faster for browsing/reading through an article than traditional scrolling. So it's a faster and more comfortable browser experience overall. We also incorporated a built-in ad blocker. Would love you get your ideas regarding improving the browser and overall promotion of it! Thank you.
wow that's incredible. what does the company chip-in/cover per month for each person? or is that included in the $200 cost per person per month that you mentioned? how much would it cost to cover a spouse/child? i've seen some plans from empire blue cross (i don't think anthem covers NYC), and it's nowhere near that low.
thanks! i have talked to a broker, and he pointed out several different options - all somewhat pricey unfortunately. as i expected, he viewed HSA's as a generally inferior option, thought that was a bit unclear why (i recall perhaps something to do about ease of reimbursement/coverage). not sure if that's actually true.
> If you can do it, get a high deductible insurance plan with an HSA for the years in which you are not having a baby.
this seems like a good strategy. why not just use an HSA exclusively? is it due to risk of complications/cost during pregnancy? or do pregnancy costs likely come close or exceed premiums of a traditional plan anyhow?
> Fyi, COBRA will most likely be more expensive than any plan you can get at the family level.
why is that? my wife is looking to quit soon, and is coming from a fairly large organization. and it seems like the cobra, group-negotiated rates are slightly better than the family rates i'm trying to negotiate on my own. just my own experience.
COBRA payments for health care are what the company paid for your healthcare, not just your portion. I worked at a large Fortune 500, my monthly premium was (2006) about $150 a month. COBRA was $985 a month. Personally purchased Family insurance plan was $300 month (though hard to compare these plans for their benefits, just the dollars). Yes, if the large company did a great job in negotiating, super, it may be lower than individual plans.
Having a baby has some uncertainty; is the baby growing fine, is the mother doing well, how will the birth go, what about the first year, etc. That is why I suggest looking at the total costs, the mother's health, and what financially you are willing to take on up front with an HSA. Sorry I do not have a clear path for making a decision.
HSA: there are two parts to this. The high deductible healthcare plan and the HSA account admin. For a healthcare charges up to your high deductible you would pay for it with your HSA debit card or electronic check. The amount still gets sent in to the insurance company so they can record it.
Once your deductible is reached then healthcare costs would still be sent to the insurance company, and based on coverage, the insurance would pay its part and any remainder would be paid by you, with your HSA account.
Any reimbursements issues would be with the insurance plan, hopefully not with the HSA.
> That said... if you're starting a family... pregnancy (and RX) are usually (ever?) covered. So you might not have a choice.
HSA's do seem to make sense, but the pregnancy and any potential complications were my main concern. It seemed from initial research that for this scenario, and regular plan seemed like the best option, unless you had a different experience? Perhaps use a typical plan initially, then switch to HSA's later assuming health is ok?
another helpful site for keeping a journal: http://www.inboxjournal.com. i like that the site sends email reminders where you can post entries, and that it has a clean interface.
