Live And Learn
Thinks s/he gets paid by the post
I just reviewed the past three years of medical statements and see that hitting the OOP max isn't all that unrealistic.
My ER budget assumes DH and I hit the OOP max of 12.6k / year. I thought this meant I had a lot of "fluff" in budget and that I would be able to put the excess towards travel. After reviewing my actual medical statements for 2011, 2012 and 2013 I see I won't be traveling very far with my excess !
2 years ago the "your plan paid" plus "you paid" total was $3k. I thought this would be about the average per year "in reality" and that I'd have 10k for travel or whatnot.
Last year there was a major surgery so I knew we'd be at the OOP max there.
The shocker was this year. Other than a carpel tunnel surgery (9 minutes in the OR - 4 hours at the outpatient clinic), 9 visits to the eye specialist and routine blood work we're at about $8k.
Makes me wonder if I should just sign up for a Bronze policy with a low premium since it looks like I'll be at the OOP max more than I think.
My ER budget assumes DH and I hit the OOP max of 12.6k / year. I thought this meant I had a lot of "fluff" in budget and that I would be able to put the excess towards travel. After reviewing my actual medical statements for 2011, 2012 and 2013 I see I won't be traveling very far with my excess !
2 years ago the "your plan paid" plus "you paid" total was $3k. I thought this would be about the average per year "in reality" and that I'd have 10k for travel or whatnot.
Last year there was a major surgery so I knew we'd be at the OOP max there.
The shocker was this year. Other than a carpel tunnel surgery (9 minutes in the OR - 4 hours at the outpatient clinic), 9 visits to the eye specialist and routine blood work we're at about $8k.
Makes me wonder if I should just sign up for a Bronze policy with a low premium since it looks like I'll be at the OOP max more than I think.