• 30 Posts
  • 3.36K Comments
Joined 1 year ago
cake
Cake day: August 4th, 2023

help-circle





  • edric@lemm.eetoCasual Conversation @lemm.eeHow is your week going?
    link
    fedilink
    English
    arrow-up
    4
    ·
    edit-2
    3 days ago

    A bit stressed out because we are flying international today with the winter storm raging. Our flight was already cancelled and rebooked and now our connections are bad (e.g. only 1.5 hours to get from one terminal to another at JFK with luggage, in-person check in, and having to go through security again).






  • You are being paid for your skills and availability, plus having to work at night. Your employer can pay someone cheaper who can be up all night but won’t know what to do if something does happen. They can also get someone who has the skills but won’t agree to do the job at night unless they are paid higher. Being able to do both is what they’re paying you for. I would suggest you use your time to maybe make your idle time productive, like learning something new (if you’re allowed to of course).




  • Yes, but until then you are parking money that you can actually use to pay for medical bills, unlike a PPO where you pay hundreds of dollars a month just to the insurance company then still need to pay a deductible anyway. Sure, a PPO deductible is lower than an HSA, and your bills should theoretically be lower as well; that’s why I said if you don’t have chronic issues or you don’t get sick often, you might be better off with an HSA. You can always switch to a PPO when the chronic issues start.

    For example. In my first year at my job, I chose PPO. I was paying $400 a month. The only medical stuff I did for the year was visit a specialist twice at $35 a visit. Even if I was on an HSA and paid full price for the doctor visits, it would still be cheaper than the $4800 I paid on my PPO for the year. If I was on an HSA back then, I would’ve paid only $50 a month. If I had the same budget, then I could’ve put the rest of the $350 into an HSA tax free, and I can actually use it to pay medical bills. Also, my employer puts in $1000 for free into my HSA, so that’s an automatic $1000 less on my deductible.