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오늘 첫 출근이었습니다. 미국 회사는 역시 예상했던 대로 개인 플레이네요.. 이미 예상했기에.. 저도 제 역량을 최대한 펼쳐서 회사에서 인정받는 사람이 되어야 겠다는 생각을 하는 오늘 이었습니다.
건강보험은 2주단위로 아래와 같은 금액입니다.
Medical
Bi-Weekly
Cigna OAP Network Only Plan
Employee & Family $191.54
Cigna OAP PPO
Employee & Family $249.69
Cigna HDHP with HSA
Employee & Family $167.54
생각엔 HDHP로 가려고 생각하고 있습니다.
그 외에 또 모가 골라야 할게 많은데 의견을 좀 들어보고 싶습니다. 미국회사는 처음이라 한국회사랑은 너무 많이 다르네요.
아래와 같이 Voluntary Benefits가 있습니다. 아마 사고가 났을 경우 또는 병원가야 할 경우에 대해서 보상을 해주는 것 같아보입니다.
제가 내야 할 금액은 아래와 같은데요... 이것도 하는 게 좋을까요? 물론 다 하면 좋을 것 같긴 한데.. 보통 다른 분들은 어떻게 하시는지 궁금해서요.
Voluntary Benefits
*** offers three voluntary insurance plans through
MetLife that you may purchase in addition to the
benefits you receive as part of your Total Rewards
package:
• Group Accident Insurance - Monthly $15.31
Accidents can happen to anyone. MetLife Group
Accident insurance pays benefits to help you cover the
unexpected costs associated with accidental death or
injuries. Benefits are flat dollar payments, paid directly to
you, based on a schedule. You may spend your benefit
any way you choose. You can enroll yourself, your
spouse/domestic partner and/or your children provided
you are enrolled in a medical plan. If you elect coverage,
your premiums will be paid through automatic payroll
deduction after taxes. Coverage may be continued if you
leave *** or retire.
• Hospital Indemnity Insurance - Monthly $45.28
MetLife Hospital Indemnity insurance pays you benefits
to help cover the unexpected costs associated with
hospital admission and confinement due to accident
or sickness. Benefits are flat dollar payments that are
paid directly to you to be spent as you see fit. If you elect
coverage, your premiums will be paid through automatic
payroll deduction after taxes. Pre-existing condition
limitations may apply. Coverage may be continued if you
leave *** or retire.
• Critical Illness Insurance
MetLife Critical Illness insurance can help you offset the costs of certain covered critical illnesses such as Alzheimer’s disease,
stroke, heart attack, kidney failure, and major organ transplant. When diagnosed with a covered condition, you will receive a
lump-sum benefit that you can use for expenses such as deductibles, coinsurance, copayments, transportation, or anything
you choose. There is no coordination with other insurance. For some conditions, pre-existing condition limitations may apply.
As long as you are enrolled in a medical plan you may apply for coverage with a $15,000 benefit. Coverage is also available for
your spouse/domestic partner and dependent children at 50% of your benefit amount. If you elect coverage, your premiums
will be paid through automatic payroll deduction after taxes. Coverage may be continued if you leave *** or retire.
A Health Screening Benefit is included with critical illness insurance coverage. It provides an annual benefit of $50 for
covered individuals who complete a health screening test. This benefit is designed to encourage you to maintain a healthy
lifestyle as the tests can help screen for a wide range of potential illnesses and diseases.
Monthly Rates for $1,000 of Coverage*
Employee +
Spouse / Children = $1.50 :: $15000 커버 하려면 $1.5*15 = $22.5 을 내야 하는거네요.
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미국에 온지 벌써 5년째네요. 제 글 보신 분은 아시겠지만 한국회사 주재원으로 나와서 영주권 NIW로 받고 계속 구직활동을 해왔습니다.
근래에 가고 싶었던 회사 중 한 곳에서 인터뷰가 있었고, 무려 7명이랑 영상 통화하고 나서도 2명의 VP들과 또 영상통화를 했네요. 원래 이렇게 많이 보나요? ㅠㅠ; 영어 후달리는데 영상통화까지 아주 힘들었습니다. 현재 다니는 대학 졸업하고 12년째 계속 다녀서 이직이란걸 한번도 해보지 않아서 더 당황하기도 했던 것 같습니다. 잡오퍼를 받았습니다. 연봉에 대해서 예상치를 이야기 했는데 직급을 올려서 맞춰준 느낌이었습니다. 이럴 줄 알았으면 더 부를 걸 후회 스럽네요. 그래도 나름 만족스럽습니다.
베네핏을 받았습니다. 건강보험은 아래 중에 고르는 것 같은데, 마모에 글 검색해보면 대부분 HDHP with HSA를 많이 추천하시더라구요. 저는 싱글은 아니고 7살/5살 아이들이 있는 가장입니다. 애들은 모 특별히 아픈 건 없고, 병원에는 1년에 많아야 5번 갈까 말까입니다. 그래서 HDHP를 추천하는 걸로 알고 있습니다.
HSA계좌에 가족은 1500불을 넣어준다니 그걸로 병원비 내고 이러면 도움이 되는걸로 알고 있으면 될까요? 조언 좀 부탁드리겠습니다.
Cigna OAP Network Only:
In‐network coverage only; no deductible or co‐insurance; $10 office visit co‐pay ($30/specialists); $1,000 out‐of‐pocket max for individuals ($2,000/family)
Cigna OAP PPO:
In & out‐of‐network coverage; $250 In‐network deductible for individuals ($500 family); $2,500 In‐network annual out‐of‐pocket ($6,750/family); 10%/90% co‐insurance
Cigna OAP HDHP with HSA:
In & Out‐of‐network; $1,500 In‐network deductible for individuals ($3,000 family); $3,000 In‐network annual out‐ of‐pocket ($6,000/family); 20%/80% co‐insurance
Health Savings Account:
For Cigna OAP HDHP members, contributes annually: $750 for individuals; $1,500 for family (contributions are funded each period; pro‐rated for new enrollees)