Benefits/Insurance packages, open enrollment time.

[asshanson]

I dont know your rank, but here is the deductible information you listed:

* Cost sharing begins after the annual deductible is met
o Sponsor's rank is E-4 and below: $50 (Single)/$100 (Family)
o Sponsor's rank is E-5 and above: $150 (Single)/$300 (Family)

That is a pretty low deductible, I'd say it seems like a decent deal. $50 for you isn't bad, does your wife already have her own insurance or would you be paying the $197 for both of you?

I doubt you could bargain for more pay because you dont use their benefits.

[Speedfreak]

You can sometimes bargain for a pay adjustment when not taking their insurance. However it usually isn't a huge amount added.. My coworker gets an extra $100 a month.

From the looks of it(skimmed it), your current policy/deductible looks to be the best deal you are likely to get.

Just as information, insurance for a married couple per month through BCBS on their best plan with a 80/20 and a $1500 or $2000 deductible is about $400/month.

[polishmafia]

Originally Posted by asshanson

I dont know your rank, but here is the deductible information you listed:

That doesn't look like the actual deductible.

If it is $450, then its still a great deal. I work in health insurance, and I see single coverage deductibles in the $1000-$2000 range, and those plans still have a higher monthly premium than you listed.

If you want to know what all the details are that are listed, I can help you out. Let me know.