Insurance Options???

[truespode]

It is open enrollment time... I'm trying to choose my best option.

HMO = $127 a month with a $250 deductible and $30 co-pay ($60 for specialist)
Health Fund = $67 a month with a $750 deductible and 80/20 after deductible met
Base = $10 a month with a $5000 deductible then 80/20 but max out of pocket of $10k

I might have to have my tonsils out next year so I am thinking the HMO is the best option b/c it has only a $150 outpatient surgery deductible. But I rarely go to the doctor anymore so if I don't have my tonsils out the Base would be fine unless I got hurt.

I'm thinking of just getting the HMO and going with it. It costs more over the course of the year with basic visits and everything but I don't have to save for emergencies.

What do you guys think?

Ivan

 

[Patman]

Gomer told me he was a doctor.

 

[truespode]

Gomer told me he was a doctor.

That was just to get you to let him do a prostate exam on you.

I still can't believe you let him do that... he has big fingers!!!

So does my regular doc :yikes: I got 4 more years to avoid him though :)

Ivan

 

[High Lord Gomer]

So I'm your "irregular doc"?!?

 

[IndyMX]

I used the logic that I don't go to the doctor very much.. That was until I found out I had cancer.

That logic works great if you're 20.. But at our ages, you really have to consider that things like cancer are quite a bit more likely.

During my last round of chemo (over 18 months ago YEAH!), one single visit for chemo would generate a bill of roughly $23,000.

Chemo is very expensive. I'd hate to have to deal with that..

Get the best insurance you can afford, it's not worth playing with.

 

[truespode]

Get the best insurance you can afford, it's not worth playing with.

I agree with that... the hard part is figuring out which one is the best. With a $250 deductible and $30 co-pay for regular docs and $60 co-pay for specialists the HMO doesn't seem like the no-brainer that previous HMO plans have been.

Then again, with cancer like you had (I am glad you are beating it) a $60 co-pay would be much cheaper than the 80/20.

Ivan

 

[SpDyKen]

It's OK to gamble if, and only if, you can afford to pay for it (major medical expenses) yourself , should things go wrong!