Burhead

My company is switching from Meritan health/Aetna to Highmark

Plan on I'm on now:
2025 Aetna PPO - $268.74 ($722.22 for family)
2026 Highmark PPO - $295.61 ($924.44 family)
2026 Highmark PPO HPN (In-network only, certain zip codes) - $266.05 ($839.50 family)

2025 CDHPs (Aenta)
3500 - $75 ($488.58 family)
2000 - $175.03 ($627.11 family)

Highmark CDHPs (Both plans deductibles increased by $250 & OOPM by $500)
3750 - $72.62 ($548.05 family) ($3750 deductible/$7500 OOPM, 30% co-insurance after deductible)
2250 - $169.46 ($682.16 family)
2250 HPN - $152.51 ($621.44 family) ($2250 deductible/$4500 OOPM/20% co-insurance after deductible)

Dental and vision premiums are staying the same $6.60 ($18.86 family) for vision. $20.48 ($73.19 for family) or $32.14 ($117.36 family) for dental depending on the plan selection.

I won't know until Nov 3rd if I'm eligible for the in-network only plans.

PPO
Preventive - 100% (Same)
Deductible - $1,000 (Staying same)
Coinsurance - 25% after deductible (same)
Out of Pocket Max - $3,500 (Same)
Telemed through Cirrus- $0 copay (New, was $40 on Aenta)
Doc Visit - $40 copay (same)
Specialist - $50 copay (same)
Emergency Room - $400 copay waived if admitted (Same)
Urgent care - $50 (same)

Prescription through Express Scripts (same)
Generic - $10 (retail) - $25 (mail)
Preferred - $50 (retail) - $125 (mail)
Non-preferred - $75 (retail) - $200 (mail)
Specialty - $150

Some operations (bariatric, hip/knee surgery, spinal, or CAR T-cell therapy) must be performed now through Carrum Health with Highmark and its covered 100% no deductible. All other operations are optional through Carrum Health but Highmark won't cover 100% of the cost, it goes to cost sharing after I meet the deductible.

They also stopped the company contribution to HSAs this year.

All this is for single person. Honestly I don't know what I'm going to do. I'm actually thinking about just dropping it altogether only way I'd keep it is if I can get the in-network only PPO plan. I'm 33 and never go to the doctor and I'm not any prescriptions so I'm giving away free money. I'm worth more with the life insurance honestly haha plus insurance is a scam anyways.

Never go full kamikaze.

An incident occurred with a Reaper over the Black Sea. Officials are investigating if it was shot down.

quote:

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@NatashaBertrand · 31m The US intelligence community believes that individuals with ties to Russian intelligence are planning to stage protests in Moldova to try to foment a manufactured insurrection against the Moldovan government, White House officials said Friday.

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LINK

quote:

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@WarMonitors ??#BREAKING All those detained in the case of preparing a terrorist attack in Transnistria are related to the SBU — Head of Transnistria, Vadim Krasnoselsky.

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There was reportedly an assassination attempt on the leader of Transnistria and they are blaming Ukrainian intelligence.

quote:

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@Faytuks Protesters and the Georgian opposition has given the Georgian leadership one hour to fulfil two demands: withdraw the bill on foreign agents from parliament and release the demonstrators detained the day before - RIA

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The EU/NATO has said it will be difficult to join those organization for Georgia if they pass this law.

I don’t really fault Grosjean he was going for his first win.

Big pile up on lap one. Helio got out of his car with a limp.

Britain is doubling the Challengers 2s they are sending to 28.

Per NYT - LINK


US and Ukrainian officers are already war gaming out the spring offensive.