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fawningandconning t1_iuhwebl wrote

It’s all about risk tolerance with stuff like this, personally it wouldn’t be worth the extra money for me. I’m similar to you and in a decade have never really come close to hitting any OOP max.

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Jeeperscrow123 t1_iuhwx27 wrote

Hah yep! It works well when we don’t but we will pay if we ever have a year of costly expenses!

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fawningandconning t1_iuhx9vt wrote

I also personally have a bit of a cushion, as my job has this “medical reimbursement account” similar to an FSA except it can only be used on doctor office deductibles and you accrue money in it from incentives. I have enough in there to cover my in network OOP max but even without that I’d accept I just had an unlucky year!

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pika9000 t1_iuhwwdx wrote

How likely are you to use your plan? The lowered deductible doesn't mean anything if you aren't going to go to a doctor/hospital/etc. For this plan to be better, you would have to use $300 worth of extra claims for it to be worth it.

Remember that certain things like an annual physical are generally going to be covered 100% and aren't going to hit your deductible, so the $300 would have to be other claims.

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reallyliberal t1_iui0or5 wrote

If I had it to do over again I’d get straight into an HSA, if you do have a major medical event you’ll cover that deductible in no time. Most medications are a few bucks even with an HSA.

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