Comments on: Raising Our Deductible

By: Stefanie

Stefanie — Wed, 12 Nov 2008 22:54:10 +0000

Actually, we are switching back to our old plan, with no deductible. The plan we had this year, with a deductible (I’m not sure exactly what it is, not nearly $4000), sucked. Our doctor co-pays cost more, our prescriptions cost more, ER visits cost more, and we had the deductible.

With the plan we are switching back to in January, which we had up until this past January, the premiums are less, all co-pays are less, and there’s no deductible. The only differences are lifetime maximum payout is a little lower, and we can’t visit out of network doctors. That doesn’t matter, anyway, because we couldn’t find any doctors in our area that are out of network.

Lower premiums, lower co-pays, no deductible. For once, a win-win situation

By: tightfistedmiser

tightfistedmiser — Wed, 12 Nov 2008 15:14:02 +0000

If your husband didn’t have the knee issues you could shop around for a better deal. I pay a little under $70 a month with a $5000 deductible. I’m a 41 year old guy and overweight so I don’t even get the preferred rate. I could be paying even less. Since you’re paying about $140 a month you should be able to get a better deal. I’m guessing you are younger than me.

By: April

April — Wed, 12 Nov 2008 14:10:00 +0000

I’m covered through my employer 100 percent, and my husband is covered through his for 75 percent.

If I quit working one day when we start a family, we’ll go with a higher deductible. Like you, we rarely use our health insurance. I have a physical once a year, and that’s about it. My general MD almost threw out my files because it had been over three years since I had seen her!

By: joanna

joanna — Wed, 12 Nov 2008 12:40:21 +0000

I <3 our HSA plan- we have a $5000 deductible, and, as you said, really don't use our health insurance that often, so the low premiums are worth it. We're working toward getting enough in the HSA to cover the deductible, as you did.

By: Deborah Johnson

Deborah Johnson — Wed, 12 Nov 2008 11:53:10 +0000

I am very fortunate in that my employer covers 100 percent the cost of my health care. That includes my dental. It’s also just me, which makes it cheaper.

I did raise the deductibles this year on my auto and home insurance policies, saving me about $50 a month.

By: Kelly

Kelly — Wed, 12 Nov 2008 04:29:26 +0000

Wow, that sounds like a pretty good deal. I am not sure what our deductible is, but we should probably look into it. I never really go to the doctor, except for a physical and yearly “girlie” exam. Of course, when I was pregnant, I was there constantly, so we definitely got our money’s worth.