I work for a big company which sites across the country. So we usually have multiple options to choose from. Its that time of year and once again, I'm comparing my benefits to make my choices for 2010.

VISION: There's only 1 Vision plan option, so I'm going with it I wear glasses & contacts, so I definately need the insurance!

2009 Per Paycheck Cost: $3.80
2010 Per Paycheck Cost: $3.53
2010 Per Paycheck Savings: $0.27


DENTAL:

Plan A 2009 Per Paycheck Cost: $7.00
Plan A 2010 Per Paycheck Cost: $7.00
Plan B 2010 Per Paycheck Cost: $7.45
Plan C 2010 Per Paycheck Cost: $5.05
2010 Per Paycheck Savings With C: $1.95

I currently have Plan A because their cost was not always as high and my dentist, that I've been with for years, was not in any of the plans. The office manager would always discount me and I wouldn't end up paying a difference for being out of plan. That has changed since a new office manager has taken her place.

Unfortunately, I'm going to have to break up with my dentist and I've done research to find a new one. I'll be able to switch to plan C.


MEDICAL:

A little background: I have always with one insurance company (B) since I was a teenager. I loved their customer service. But last year, I switched to a new plan (A) due to costs. I wasn't as happy with (A) and was considering switching back to (B). However, that has changed now that I have evaluated the plan options:


I took more than Cost into consideration.

- Plan C covers both in & out of network providers, but only 90% In Network after deducatable and 70% out of Net work.

- Plans A & B cover mostly the same things. However A does not require referrals, which is why the cost is higher. I have a very good relationship with my primary care physician and feel confident that if I need referrals, I will be able to get them and in a timely manner.

Plan A 2009 Per Paycheck Cost: $29.00
Plan A 2010 Per Paycheck Cost: $22.70
Plan B 2010 Per Paycheck Cost: $64.79
Plan C 2010 Per Paycheck Cost: $38.04

So ultimately, I decided to stay with Plan A.

2010 Per Paycheck Savings with A: $6.30


In conclusion, my premiums will be going down a bit. This is good because I am increasing my HSA amount from $1000 to $1100 this year.