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Old 11-17-2012, 06:59 AM   #21
myclanof6's Avatar
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Originally Posted by mjg2043
We are super super blessed. Regardless I will always carry insurance. You never know what can happen and I firmly believe insurance clients get better care and have more options. Regardless if that is fair it is true.

We pay $1200 a year for our family coverage. We have a $250 deductible and it pays 90%. We can go anywhere and see anyone. It's amazing.
That sounds like an awesome plan! We were so fortunate and blessed with the insurance we had when dd was diagnosed, it just stinks that they were more interested in making MORE money than helping clients.
We have a super wonderful fantastic primary (who happens to be my OB) that is concerned with patient care and has only charged about 30% for cash patients. DDs oncologist never charged us for when we had to go in to have her NG tube replaced every week when she would rip it out.
I think these reasons are why we are ok with not having insurance for our family that are typical people who rarely get sick. If we weren't blessed to have such wonderful Drs and if we had a great insurance plan we may feel differently.


I lift my eyes unto the hills, Where does my help come from? My help comes from the Lord, The Maker of Heaven and Earth. And I'll praise You in this storm and I will lift my hands, For You are who You are no matter where I am, And every tear I've cried You hold in Your hand, You never left my side and though my heart is torn, I will praise You in this storm
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Old 11-17-2012, 09:06 AM   #22
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Originally Posted by luvsviola
We have an HSA. DH's company couldn't afford the traditional PPOs anymore, and does not offer it. We pay the first $8,000 for anything that isn't preventative care. Preventative care is free. After $8,000, everything is free. We manage to hit the deductible every year.
We, too, have a HDHP/HSA. I LOVE it.

We pay $960 in annual premiums and contribute to an HSA. Our max annual contribution (set by the IRS, I believe) is something like $6200, but our annual health ins in network deductible is $3100. ALL preventative care is covered 100% and everything is covered either 90% up to a certain $ amount (and then covered 100%) or always covered 100% after we reach our deductible.

It's a really, really good insurance choice for families who are generally healthy and have a little cash in the bank, but want something to fall back on if there are huge emergencies (like cancer, bad accident, etc).
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