Guy F

Review of SelectHealth

The worst insurance plan I've ever had (despite th...

The worst insurance plan I've ever had (despite their great customer service). I signed up for a health savings account with my employer because it was the most "affordable", never mind monthly premiums have gone up nearly 40% in the last year through our employer-I'm a school teacher.

With no spare money to contribute to the HSA and my employer not putting any in after the first year I was left essentially without going in the hole each month AND having to pay out of pocket for any medical care!!!! I was paying $400 monthly premium for me and my kids. My yearly deductible was $5000. Which means in order for HSA to cover anything, or 80% I have to meet that deductible. If you do the math that is 12 months times $400 per month PLUS my $5000 deductible. It's a freaking joke, robbery, racket is what it is. I WAS ESSENTIALLY PAYING THEM MONEY TO GO IN THE HOLE AND THE ONLY THING GOING TOWARDS MY DEDUCTIBLE WAS MY OUT OF POCKET HEALTHCARE COSTS.

Here's the math again. 12 months times $400 per month is $4800 I'm paying them in monthly premiums-thanks Obamacare! None of these go towards the $5000 yearly deductible. So there I am paying $4800 for the year and getting ZERO coverage because my $5000 deductible hasn't been met and to add insult to injury I'm paying out of pocket for every medical care visit. THIS IS INSANE. I was flabbergasted when I found out this situation and of course Select Health customer service could do nothing.