dex
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- Joined
- Oct 28, 2003
- Messages
- 5,105
I just got my BCBS health ins increase 18.35%
The question is: Do I raise my deductible from 5K to 10K?
There would be a $935/yr. savings by raising the deductable.
My thought process is that
- I don't have any chronic problems
- If I needed to pay the higher deductible I would not be spending my discretionary expense budget for travel and such.
- If the injury was the result of a car accident, that would be the primary insurer and BCBS the secondary.
Am I missing any aspects to this question?
All the aspects for the plans are the same except for the items below.
Plan-------------5K +++ 10K
$/Month-------244 +++ 167
$/Year-------2,933+++ 1,999
Variance $935
Deductible
5,000 +++ 10,000
Co Ins. out of Pocket Max
2,000 +++ 5,000
Prescription Drugs
500 +++ 1,000
The question is: Do I raise my deductible from 5K to 10K?
There would be a $935/yr. savings by raising the deductable.
My thought process is that
- I don't have any chronic problems
- If I needed to pay the higher deductible I would not be spending my discretionary expense budget for travel and such.
- If the injury was the result of a car accident, that would be the primary insurer and BCBS the secondary.
Am I missing any aspects to this question?
All the aspects for the plans are the same except for the items below.
Plan-------------5K +++ 10K
$/Month-------244 +++ 167
$/Year-------2,933+++ 1,999
Variance $935
Deductible
5,000 +++ 10,000
Co Ins. out of Pocket Max
2,000 +++ 5,000
Prescription Drugs
500 +++ 1,000