tag:blogger.com,1999:blog-7078230084712166960.post1711383652534836483..comments2023-06-24T06:15:44.926-04:00Comments on simply suz.: Tuesday Musings: A List About BloggingSuzhttp://www.blogger.com/profile/16805325085840848289noreply@blogger.comBlogger4125tag:blogger.com,1999:blog-7078230084712166960.post-69238311410176290202010-11-10T08:32:52.380-05:002010-11-10T08:32:52.380-05:00I'll be patient :)I'll be patient :)Amy B.https://www.blogger.com/profile/16198109220192479177noreply@blogger.comtag:blogger.com,1999:blog-7078230084712166960.post-81139923154443715292010-11-09T23:51:17.729-05:002010-11-09T23:51:17.729-05:00Also...HSAs differ from FSAs in that they are port...Also...HSAs differ from FSAs in that they are portable (when I left my old job, I took my HSA with me), and they roll over from year to year... <br /><br />Okay okay...I should just write the full post!Suzhttps://www.blogger.com/profile/16805325085840848289noreply@blogger.comtag:blogger.com,1999:blog-7078230084712166960.post-11957816518521267522010-11-09T23:49:32.889-05:002010-11-09T23:49:32.889-05:00I'll do my best, Amy! :)
[In case I don'...I'll do my best, Amy! :) <br /><br />[In case I don't get to it fast enough. Here's my recommendation: <br /><br />If you are young & in good health, there is no reason to OVER insure. For this stage of life, I am a big fan of high deductible plans, paired with HSAs. Your premiums are lower & even though you have a higher deductible, you can put your premium "savings" in an HSA to cover the unexpected. <br /><br />All of these plans have out-of-pocket maximums, so although there is the chance that you could have biger out-of-pocket medical bills than under a traditional PPO plan (if something catastrophic happened), you won't be on the hook for more than that max. Also, co-insurance will kick in once you've reached your deductible & are working towards that out-of-pocket max.<br /><br />I think that the higher deductible scares some folks away ("you mean I'll have to pay for my prescription or dr.'s apt instead of just paying a $10 or $20 copay?!?"), but if you do the math & consider your premium savings & what your typical medical bills are, it turns out to be a no-brainer. At least it has for us...<br /><br />Under both the high deductible plans we've had, preventative care has been 100% covered, which is essentially all we go to the dr. for. <br /><br />Also, for the past 4 years, my employers have contributed to my HSA which means it's possible to build up a nice little safety net overtime with the help of your employer! Our HSA balance is close to our out-of-pocket max at this point.]<br /><br />Okay...that definitely just touched the surface. I'll write something, promise!Suzhttps://www.blogger.com/profile/16805325085840848289noreply@blogger.comtag:blogger.com,1999:blog-7078230084712166960.post-4852158695560269952010-11-09T22:21:58.310-05:002010-11-09T22:21:58.310-05:00I made it to #6, love it! I am really interested i...I made it to #6, love it! I am really interested in your high deductible health care tips. We are researching options. Keep blogging - I totally understand about the Type A/creative outlet thing!!Amy B.https://www.blogger.com/profile/16198109220192479177noreply@blogger.com