Here is the situation: I am going to try to make is as concise as I can
My job is changing medical benefits. Right now I have 90/70 plan with no deductibles and pay about $43 premium semi montly. It is for individual coverage.
Now I have a choice of the following:
1. 100/80, no deductibles, I pay $62 premium semi monthly
2. 90/70, $200 deductibles, I pay $47.50 semi monthly.
I don't usually go to doctors except for annual check ups and womanly stuff once a year. However, we are thinking of trying to get pregnant in the next year. So, I am trying to do the math of higher premiums vs paying deductibles vs just deciding what is the best way, i.e. less costly, way to go
I also do Medical Flex Account that gives me $600 / calendar year
So, what do you all think?? I need to make an election by 4pm today!!
thanks
Lena
My job is changing medical benefits. Right now I have 90/70 plan with no deductibles and pay about $43 premium semi montly. It is for individual coverage.
Now I have a choice of the following:
1. 100/80, no deductibles, I pay $62 premium semi monthly
2. 90/70, $200 deductibles, I pay $47.50 semi monthly.
I don't usually go to doctors except for annual check ups and womanly stuff once a year. However, we are thinking of trying to get pregnant in the next year. So, I am trying to do the math of higher premiums vs paying deductibles vs just deciding what is the best way, i.e. less costly, way to go
I also do Medical Flex Account that gives me $600 / calendar year
So, what do you all think?? I need to make an election by 4pm today!!
thanks
Lena