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misstenacity · 02-26-2009, 10:32 AM

Yes, also looking into HSA to augment either plan for tests that might not be covered.

1. $240/year is my total cost if I don't need anything other than routine checkup and perhaps one test.
2. $900/year is my total cost for the same situation with the better insurance.

But - a BMD scan is $300. Bloodwork is about $400. More than two doc visits on plan 1 and I'm right into my deductible. Or if I need any prescriptions, that's out of pocket.

So... with "minimal" extra stuff, a few tests as outlined above, the costs to me is going to be about the same for EITHER plan - $900 or so for a year.

The drawback in that case for plan 2 is that my employer is paying a lot more per year on my behalf. Cutting costs in a business also means not spending more than you need to.

The benefit with plan 2 is the "what if". More extensive testing/care/labwork or anything serious would impact me financially much less.

It's still kind of looking like "plan 1" is best for me, especially if I add a separate HSA.

More thoughts are WELCOME!

02-26-2009, 10:32 AM	#3 (permalink)
misstenacity Senior Member Join Date: Aug 2007 Location: Albuquerque Posts: 318	Yes, also looking into HSA to augment either plan for tests that might not be covered. 1. $240/year is my total cost if I don't need anything other than routine checkup and perhaps one test. 2. $900/year is my total cost for the same situation with the better insurance. But - a BMD scan is $300. Bloodwork is about $400. More than two doc visits on plan 1 and I'm right into my deductible. Or if I need any prescriptions, that's out of pocket. So... with "minimal" extra stuff, a few tests as outlined above, the costs to me is going to be about the same for EITHER plan - $900 or so for a year. The drawback in that case for plan 2 is that my employer is paying a lot more per year on my behalf. Cutting costs in a business also means not spending more than you need to. The benefit with plan 2 is the "what if". More extensive testing/care/labwork or anything serious would impact me financially much less. It's still kind of looking like "plan 1" is best for me, especially if I add a separate HSA. More thoughts are WELCOME! __________________ "My yoga class had me trembling and sweating and I feel MUCH better." - Fang ------------------------------------------------------------------------------------------------------------------------- Tenacious Training and Tweaking (the A lotta Alitteration thread) Psst, I'm a gastrodork, too.