Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Old 07-28-2009, 02:09 PM   #21
ziggy29's Avatar
Join Date: Oct 2005
Location: Texas
Posts: 15,624
Originally Posted by Martha View Post
But as you work through your deductible the extra cost you pay by using non-network providers will not apply to the deductible.
Usually, but not necessarily. I have an HDHP and HSA through my employer, and the deductible and out of pocket maximums are the same for both in-network and out-of-network.

Individual services may cost more out of network, but you'd hit the same ceiling either way.

I think that's pretty unusual, but in my plan, once you've hit the out of pocket maximums in a year there is no incentive to stay in-network. And yes, I did confirm that.

"Hey, for every ten dollars, that's another hour that I have to be in the work place. That's an hour of my life. And my life is a very finite thing. I have only 'x' number of hours left before I'm dead. So how do I want to use these hours of my life? Do I want to use them just spending it on more crap and more stuff, or do I want to start getting a handle on it and using my life more intelligently?" -- Joe Dominguez (1938 - 1997)

RIP to Reemy, my avatar dog (2003 - 9/16/2017)
ziggy29 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 07-28-2009, 11:00 PM   #22
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
Join Date: Mar 2005
Location: Chicago
Posts: 10,055
Originally Posted by Martha View Post
Even when you are sick, worried, and pressed for time.
I'm also in a PPO with limited choices for preferred providers and I agree not knowing where to go after you are sick is a pita. When you're sick, worried or pressed for time is not when you want to first be concerned about who your local preferred providers are. But rather than just give up (internet, paper lists, 800 numbers too complicated so give up and shoot yourself type of thing) DW and I always work hard up front to identify specialists, labs, drugs stores, etc. We also study each others plans (totally different insurers) so that if the other is incapacitated we can easily handle the paperwork, after the initial emergency is under control. Being on top of the coverage and network associated with your health insurance policy was especially important while we were raising the family, both working full time jobs and caring for a son with serious health issues (Arnold-Chiari Malformation).

I have to use network providers or take a big hit.
Me too. That's why you have to get on it and not just throw up your hands and give up. As I said in my earlier post, you have to actively work to know the providers in your insurer's network and it's best to do that apriori.

"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
When did you feel old? Khan Other topics 100 10-11-2009 08:05 AM
Kaiser HMO anyone? shoe Health and Early Retirement 21 11-30-2008 07:58 PM
Did you feel the SF Earhtquake honobob Other topics 7 09-06-2008 10:42 AM
What's it take to feel FI Triumph Hi, I am... 3 04-29-2007 09:45 PM


All times are GMT -6. The time now is 10:37 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.