Hello

I am in talk of a potential new employer who will provide the same united healthcare plan (As far as I know), but I dont know if it will be exact same plan. If any, the odd is that the plan would be different, given that there are, idk, 100+ different UHC plans.

Now the question is that if I get the job offer and starts the new employer's benefit, does it mean that my deductible is starting from 0 unless I choose to go for COBRA (in which case I will have to pay employer's contribution to the premium)?

If so, I will have to do some math works, as my deductible is about to be met soon.

Thank you

Comments

You must log in or register to comment.

AutoModerator t1_jaaztqc wrote on February 28, 2023 at 3:08 AM

#2,088,032

Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful (subreddit rules). Our moderation team encourages respectful discussion.

You may find our Health Insurance wiki helpful.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

thewitchof-el t1_jab0h2a wrote on February 28, 2023 at 3:13 AM

#2,088,207

The deductible resets if you start a new plan, yes.

Apengilly88 t1_jab154b wrote on February 28, 2023 at 3:18 AM

#2,088,388

New job equals new health care plan witch means your deductible starts over. Just really think about it before you take the new job and the time you quit and start the new job and when the benefits start with them.

[deleted] t1_jab17ps wrote on February 28, 2023 at 3:19 AM

#2,088,409

[removed]

[deleted] t1_jab7dvz wrote on February 28, 2023 at 4:10 AM

#2,090,255

[removed]

Remote-Grape t1_jab8z56 wrote on February 28, 2023 at 4:24 AM

#2,090,738

Yea, you would start a new deductible, BUUUUUUUT I’ll give you a piece of advice:

When your new plan starts, call UHC and ask for a PRIOR CARRIER DEDUCTIBLE form. With a UHC to UHC plan, you should be able to roll over PCD.

It doesn’t always happen, but most of the time, they will allow it.

AllTheyEatIsLettuce t1_jabgvdg wrote on February 28, 2023 at 5:42 AM

#2,092,888

If you're changing payer brands or payer products, of any dependency, you can expect any prior deducting, co-somethings, or OOPing achievement to reset to $0 achieved.