Reply to CareFirst HDHP — what am I missing?

Forum Index » Money and Finances

Reply to "CareFirst HDHP — what am I missing?"

Subject:

Emoticons





More smilies

Text Color: Font: Close Marks

[quote=Anonymous][quote=Anonymous]We’re on Carefirst HDHP and it’s been great.  It is a little bit of an adjustment when you first start getting bills for pediatrician visits and stuff ([b]though preventative care is still totally free[/b]), but the math works out way in your favor.  We’ve been on it for 3 years and have I think $21k or so in our HSA, and we’ve paid less in healthcare costs (premium+deductible) than we would have paid only for the premiums on the standard plan.[/quote]

NP and I just want to note that the bolded is not always straightforward.  We have BCBS Basic and, in theory, wellness visits are free / no copay.  However, if they do anything beyond an extremely limited set of procedures we get hit with a co-pay and, presumably, if we had a HDHP it would be a separate charge.  It's probably not a big deal for older kids that don't go to the doctor very often but for really young kids those charges can add up.  Also, COVID-related stuff is supposed to be free as well, but it's the same deal where if they do anything beyond a very limited set of procedures we get hit with a co-pay.  As just one example, we took our youngest for a COVID test and it turns out she had RSV.  Obviously you want to know when something is wrong so I'm not complaining about the co-pays but just something to be aware of if you choose an HDHP.[/quote]

Options

	Disable HTML in this message
	Disable BB Code in this message
	Disable smilies in this message

Review message

Search Recent Topics Hottest Topics