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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][quote=Anonymous]We currently have a high deductible BCBS plan through our firm. $13K annual premium with $6K deductible. Last year out of pocket was $5K so we paid $18K total. The BCBS site offers tons of independent plans, which seem similar in coverage, i.e. lifetime maximum is unlimited. I found one high deductible that is $5K annual premium with $5K deductible or $10K for out of network. If our bills average $5K again this year, we save $8K. And, even if we max out the $10K deductible, we've still only paid $15K, which is $3K less than this year. Has anyone done this? As a partner, the firm doesn't subsidize health for us, but this seems like a no-brainer on paper. Is there a reason not to go this way?[/quote] Well, that $5k premium is best-case scenario from an underwriting perspective. It's not unlikely that your premiums will be higher. I mean, at $5k last year, you're not exactly strangers to the doctor's office. [/quote]
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