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Reply to "Want to drop firm's BCBS for independent BCBS policy...am I missing something?"
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[quote=Anonymous]Risk is pooled in large groups so your premiums are lower. We are self employed and had a private policy with Aetna. Aetna f*ckec us. They didnt honor things stated in the policy. When i appealed and won they doubled our rates. We had $15k out of pocket on top of 2k a month premium. We recently moved to a small group policy BCBS high deductible plan like you have. When dealing with insurance companies, there is safety in numbers. I would get a HSA to go with your high deductible policy. Would never advise a private policy if you have other options. Unless of course you are friends with health care lawyers.[/quote]
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