1 week ago
Monday, November 21, 2011
WHAT KAISER WON'T TELL
In the past I have always had plans with no deductible. Now I am considering plans with a $1000. to $2700. deductible. I would think asking how much actual care one gets for that much money would be an obvious question. I am not asking for a guarantee of costs - just a ballpark. I'll need a mammogram, let's say 2 office visits per person and a few prescriptions between all of us on the plan.
I've been on the phone and internet most of the morning trying to dig up this information. Then I enlisted the benefits advisor for our company. It took her a while and she seemed very surprised at how hard it was to find someone to give this information, too, but someone was found who was willing to spill the beans.
So now I am crunching the numbers and hoping that, even with the big increases in the premiums for 2012, that I can reduce the cost of my benefits and take home a bit more money each month. I admit it just kills me to be concerned with out-of-pocket costs on top of paying over $1200.00 a month.
Anybody made the change to a high deductible plan and have advice to share?