Category Archive 'Insurance'

Lumenos vs. Aetna PPO

Insurance, Personal finance

Since switching employers, my husband and I have also switched insurance providers. We chose a because it was the plan with the most flexibility, but I wanted to write a follow up to my original review of so that I can give some more concrete comparisons. Keep in mind that our situation (a healthy, relatively young couple, with no chronic health problems) may be different from yours. Still, overall, I still much prefer Lumenos, as you’ll see below. I plan on updating the table as things arise.

  Aetna Lumenos
Copay Requires a co-pay of about $10 for most medical visits. This is fine, not too big of a complaint. No co-pay. Also, all preventive care covered at 100% at no cost to you.
Website ease of use Only participant can register on website, not dependents.
Choosing your plan from a menu list of options is confusing when searching for a doctor.
Participant and all dependents have independent logins and privacy. Participant can’t view dependents’ records.
Simple list of doctors within network right from website’s front page
Vision N/A – covered separately by Covered exams for glasses and contacts as well as a year’s supply of contacts and glasses and lenses once per 12 months from any remaining HRA allocation. (This also compares favorably against the VSP plan that we have.)

Last updated: 05/31/2006

It pays to shop around for auto insurance

Auto, Insurance, Personal finance, Tips for saving money

In general, talking to insurance agents isn’t on top of people’s lists of enjoyable things to do. But, having just moved, I took the opportunity to shop around for car insurance. I’d been with for over seven years and, like many people, had just the renewal put it on autopilot.

But I was very happy to find that I was able to decrease my insurance costs by ~$500/year by switching providers. I was also surprised at the range of quotes. Below are some that I received, just to give you an idea:

Company 6-month quote
Traveler’s $588.00
GEICO $345.70
State Farm $738.00
Progressive $640.90

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Lumenos CDHP: A Different Sort of Insurance Plan

Insurance, Personal finance

We’re in the midst of transitioning to a different health insurance plan due to changing employers, so I wanted to take this time to write a review of CDHP, which I’ve been using for the past two years or so and have been very happy with. I don’t know if it’s because it’s relatively new or because it’s not yet offered by many employers that there seems to be little information about this particular health insurance provider.

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