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[quote=Anonymous]Hello,

I have  started a new job and they have diff. health insurance plans . The high deductible ones and the traditional ones. The different plans are offered by Kaiser & Aetna ( not too familiar with Kaiser) and the kaiser plans are a few hundreds $$ cheaper than the Aetna plan. I am a single mother of a preschooler so I will need coverage for both I and my child. For that level of coverage , here is what they offer ( prices are annually):

-Trad Aetna: $4,186
-Aetna Consumer direct: $2,884
-Aetna Consumer Direct High Deductible: $1,294

-Comprehensive Trad. Kaiser: $3,797
-Kaiser consumer direct: $2,633
Kaiser con. dir. High deductible : $1,210

The high deductible plans also come with an HSA where you can contribute pre-tax$$ monthly and the company puts $600/year in the plan. However they only start paying towards your costs once you reach the Deductible which is about $4K i think for the family plan, at which point they will pay 80%.  Well visits are covered though and free even before you reach your deductible. For t he regular traditional plans, you have a $15 copay for in-network visits, $25 for specialist visits ect.  There is about a $3k difference between the trad & High deduct. plans. So what would you do? i have never had a high. deduct. plan so don't know if this would be huge gamble. I would say that we are reasonably healthy i-e I only go to the DR maybe 3 times a year for myself and those are annual checkups. My child however, has colds multiple times a year that necessitate Dr.visits ( sick visits) especially during flu/cold season. Most of the time they tell us to just go home and keep him hydrated but we had one ER visit last year when DC was very dehydrated due to a cold /vomiting ect. My guess is , yes the high DED. is cheaper but if you have one ER visit that will probably eat up a lot of $$$$ AND then make you even spend more out of pocket than the regular plan. Do you have experience in any of these plans? Those who have the high ded. one, when you go to a regular sick visit to a DR. How much do they charge? since all of those costs are out of pocket? Thank you

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