piglet1979
DIS Veteran
- Joined
- Mar 18, 2015
We had one for awhile through DH's work. We opted out of my standard on with my work because at the time we got $250 for not taking the insurance. It started out good as his company put about half of the deductible in our HSA. Each year they lowed the amount until now it is nothing. When my work dropped the incentive the kids and I switched to mine and DH stays on his.
It works for him since he really needs to be on his death bed before he will go to the doctor. For the kids and I the standard plan I feel is better. When we were on the high deductible plan I spent a lot of time calling to different pharmacies to get the lowest cost and then I had prescriptions at several different places. My kids were still young and getting sick often and I was having lots of intestinal issues too. I had payment plans with several places. I feel like I was always on the phone dealing with this stuff. I was also for myself not going to the doctor when I should or going to the CVS minute clinic because it was cheaper. I hated it.
I am still on the standard plan at my work but we have an option to do a high detectable. We will get about half of the detectable from work in a HSA and then when we hit the deductible the plan pays 100%. I just can't switch to deal with it again.
It works for him since he really needs to be on his death bed before he will go to the doctor. For the kids and I the standard plan I feel is better. When we were on the high deductible plan I spent a lot of time calling to different pharmacies to get the lowest cost and then I had prescriptions at several different places. My kids were still young and getting sick often and I was having lots of intestinal issues too. I had payment plans with several places. I feel like I was always on the phone dealing with this stuff. I was also for myself not going to the doctor when I should or going to the CVS minute clinic because it was cheaper. I hated it.
I am still on the standard plan at my work but we have an option to do a high detectable. We will get about half of the detectable from work in a HSA and then when we hit the deductible the plan pays 100%. I just can't switch to deal with it again.