Kate and Scott Savett were trying to be responsible when they needed some medical care. They live about an hour north of Philadelphia with their dog, Frankie. Scott, 43, is a chemist and designs software for labs; Kate, 37, works in life insurance.
They buy their health insurance through Scott's job, and to keep their premiums affordable, they chose a high-deductible plan. They understood from the beginning that this would mean shopping carefully when they needed care, because costs can vary a lot among doctors and hospitals.
For years the couple didn't use their insurance much — but that all changed this year.
Kate was diagnosed with multiple sclerosis in January. Doctors did a lot of tests and then follow-up tests. On top of that, Scott needed some imaging tests for a spinal issue.
Under their insurance plan, the two have to pay in full for the first $3,000 of their combined care. After that, they still have to pay 20 percent of the cost, until they reach a total of $8,000 in out-of-pocket expenses.
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4 comments:
they could have chosen a better plan, but decided to play health care roulette.
but im in the same boat. my employer only offers a high deductable plan
3k per person with 6k per year
i met it in 3 months
Will someone please remind me how everything is sooo much better under Obamacare?
It's a huge Ponzi scheme.
Are these plans the same for the superiors and the inferiors? OH'the inferiors have free insurance.DAH wats up wit dat?
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