Reply to High Deductible Health Insurance Plan

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[quote=Anonymous]We've had a HDHP for about 10 years.  This past year, I suffered a broken wrist in early February that required two surgeries. We met the deductible almost immediately and then hit the maximum out of pocket around the middle of the year due to all the follow up visits and PT.  Once we hit the max, we didn't pay another dime for any medical appointments.  Even by reaching the maximum, it was still cheaper than if we had a traditional PPO.

We do pay for all of our medical expenses with our HSA.  This past year was the only year we've spent all the HSA contributions for the year plus some that were built up.  In the past ten years, we've probably only spent about 1/3 of what we save in our HSA.

Our plan covers well visits 100% - year physicals; colonoscopy after age 50; mammograms; blood work; anything considered part of the well visit.  My high blood pressure meds are free.  When we've had to get an antibiotic, they usually run just a few dollars.  The only expensive medicine I can think of was my DS' acne medicine.

We've never had a problem with the plan and I can't imagine we'd ever go back to a regular PPO unless we don't get a choice.[/quote]

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