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Reply to "CareFirst HDHP — what am I missing?"
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[quote=Anonymous]I am on a BCBS HDHP via a private employer. The deductible plus premiums are in my case not far off of the premiums for my regular co-pay plan option. But it still makes sense because of (1) the tax benefits of the HSA, (2) my portion of my doctor and lab bills after the deductible is inevitably much smaller than the co-pay would have been, and (3) I’m on a pricey med with a manufacturer’s coupon the covers out of pockets. The plan counts the manufacturer’s coupon towards my deductible! So if I minimize other expenses the first couple of months of the year (front load other prescriptions to December, no regular checkups/appointments until March) I never pay my deductible at all. Feels like a scam but given how the insurance companies are always trying to minimize their costs on our backs I don’t feel guilty about it.[/quote]
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