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Reply to "CareFirst HDHP — what am I missing?"
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[quote=Anonymous]I’m a Fed with a family, and we used to be BCBS Standard (like most Feds I know), but got tired of paying so much out of pocket, always a surprise. Switched to the CareFirst Standard, which is an HMO with the same provider network. Higher premiums, but we paid next to nothing out of pocket, no surprises. Been researching the CareFirst HDHP. Comparing just the premiums for Self+family, HDHP is about $6,500 less annually. [i]Even when I add in the cost of the $2,800 family deductible, HDHP is still about $3,700 less than Standard. [/i]And once the deductible is met, the coverage for HDHP is almost identical to the Standard coverage. And CareFirst contributes $1800 toward my deductible over the year. So some wise DCUM person, please tell me what I’m missing! Why would I not switch to this particular plan before open season closes? (And to be clear, coming out of pocket for $2,800 in expenses before coverage kicks in will not be a hardship.)[/quote]
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