2015 was our first year on HSA/HDHPs... That was the year that younger son broke his left elbow... then his right wrist. Older son had a 3 day hospitalization and then later took a baseball to the face - breaking his orbital socket in a couple places. And I had a cyst removed from my breast. We hit the family max deductible (but not any individual ones) and came close to hitting family max OOP.
2016 I started out very optimistic... we had very few incidents... and our medical OOP was nice and low for the first 2/3s of the year. Then, in October, the dentist noticed a mass on my son's jaw in the x-ray (and also noticed it in observation...) Turns out it was an Ameloblastoma requiring a 4 hour surgery. That was enough that we hit older son's individual max OOP.
2017 I go in for my normal check up... Doc doesn't like my iron levels so she has me take supplements and retest... Still no good so she orders a colonoscopy and ERG. Since it's for cause (and a year before my scheduled colonoscopy) this is a chargeable item. They found and removed 1 polyp (glad to have that gone). Unfortunately, they also found a submucosal lesion in my mid esophagus. I'm headed back for an endoscopy with ultrasound next month. It sounds like they'll do a needle biopsy while in there... Doing a little reading the odds of it being life threatening are very small... but the odds of them wanting to remove this mass/lesion are pretty high... so I likely have surgery in my future... Looks like this is the year that I hit my max out of pocket.
When I chose a high deductible plan I looked back at the family's medical history and decided we were robustly healthy with few medical expenses... As soon as we're on a HDHP - it all goes to heck.
Oh well... good thing I budget for the deductible and max OOP.
2016 I started out very optimistic... we had very few incidents... and our medical OOP was nice and low for the first 2/3s of the year. Then, in October, the dentist noticed a mass on my son's jaw in the x-ray (and also noticed it in observation...) Turns out it was an Ameloblastoma requiring a 4 hour surgery. That was enough that we hit older son's individual max OOP.
2017 I go in for my normal check up... Doc doesn't like my iron levels so she has me take supplements and retest... Still no good so she orders a colonoscopy and ERG. Since it's for cause (and a year before my scheduled colonoscopy) this is a chargeable item. They found and removed 1 polyp (glad to have that gone). Unfortunately, they also found a submucosal lesion in my mid esophagus. I'm headed back for an endoscopy with ultrasound next month. It sounds like they'll do a needle biopsy while in there... Doing a little reading the odds of it being life threatening are very small... but the odds of them wanting to remove this mass/lesion are pretty high... so I likely have surgery in my future... Looks like this is the year that I hit my max out of pocket.
When I chose a high deductible plan I looked back at the family's medical history and decided we were robustly healthy with few medical expenses... As soon as we're on a HDHP - it all goes to heck.
Oh well... good thing I budget for the deductible and max OOP.