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Kids With Special Needs and Disabilities
Reply to "What is your out of network deductible and do you hit it for your kid's services?"
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[quote=Anonymous][quote=Anonymous]We always pick the $250 in network and $500 out of network plan. The high deductible is only for healthy people that rarely use insurance.[/quote] It is always important to actually run the total annual cost of premiums + deductible or premiums + out of pocket max depending on how healthy one is. In my experience it is almost always better for people with a decent income to pick a high deductible HSA with lower premiums vs high premium low deductible plan that does not have the HSA benefits. Lot of my acquaintances are really focused on keeping deductible low and don't run the numbers and actually end up paying more, but since it comes before the paycheck it seems less painful. I always run the worst case numbers and have that guide me as the result we have low six figures invested in the HSA account that will most likely never get taxed and money going in also never was taxed.[/quote]
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