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well I don't have $10k lying around.....
By:  Glenn (Mini-Admins; 18175)
Posted on: 12-21-2009 19:24.
Client: Mozilla/5.0 (Windows; U; Windows NT 5.1; en-US; rv:1.9.0.15) Gecko/2009101601 Firefox/3.0.15 (.NET CLR 3.5.30729)
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Message views: 1270 (Score: 0)  

correct me if I am wrong here, but if there is a bad accident and a family member gets hurt and needs expensive care that costs $25K I would have to pay $10K out of pocket, correct? I see your POV though, I just don't have that to get too right now.

    tenneck imparted these words:
      Glenn imparted these words:
      Mine is through BlueCross BlueShield of NC, $2,500 detuctible, $25 co-pay, $15 generic Rx and it comes in over $800 including dental for a family of 4. Highway robbery!


    $800 a month X12 months =$9600. So whats the difference?

    $9600 + $2,500 deductible = $12,100 total cost/exposure.

    $1800 + $10,000 deductible = $11,800 total cost/exposure.

    The only difference is that under the $10k deductible plan you get to invest $5800 in a tax deferred health savings account.

    Edited by tenneck at 12/21/2009 5:41:58 PM