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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Apologies if this is not the right forum, but ultimately I'm looking for financial advice.

I am switching jobs and looking at the new health benefits. I am currently a fed, and my family is on my plan (BCBS basic). I would prefer a plan that allows both in and out of network, which is one of the options. That has the highest bi-weekly employee contribution. The high deductible plan is a lower bi-weekly payment, and of course, a higher deductible. My current insurance has no deductible, so I'd love some advice in how to make this choice.

We're relatively healthy, I go to a primary care physician, dermatologist, and gynocologist. Kids have a regular pediatrician, a fairly typical amount of sick visits, and each have seen specialists for discreet issues but nothing long term.

Any thoughts or advice is welcome!  It's hard to leave the benefits provided by federal service.

[/quote]

We’ve had a high deductible for about 10 years. It is a huge mental adjustment to constantly be out of pocket for all healthcare that isn’t preventative. We save more in premiums than we typically spend, but it still stinks. Rx drugs have surprisingly been mostly affordable (other than epinephrine) but doctor visits are typically $120-$150 and that’s assuming they don’t do some sort of minor procedure.

Happy to answer more detailed questions you have. [/quote]

Just so I'm clear, are you paying out of pocket for regular annual physicals?  Or just all the other doctors' appointments that pop up in between?  With little kids those are a lot.[/quote]

No. Physicals and shot-only visits are free. But you pay anytime you need to be seen for a “reason.” Ie: your kid needs antibiotics for strep throat. You need the Derm to freeze a wart. Etc.[/quote]

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