11-02-2017, 12:02 PM
I pay $280/month for family coverage on Blue Cross. Our deductible is $1000/person, but Amazon pays half that and I use an FSA for other half (pre-tax). We're then covered 90/10 and use the rest of the max allowable FSA ($2600) on that co-insurance. One of us had a minor medical event pretty much every year, so the $2000/person out of pocket limit was nice. It's now $6000 for the family because we have a kid, which I seriously hope we don't hit any time soon. We did when he was born; the sweet upside to that was every single medical thing for the remaining six months of the plan year was free to us. I think the real benefit, though, is the negotiated rates. 10% co-insurance is pretty good when the price of services drops like 40% before a single cent is paid.
'76 911S | '14 328xi | '17 GTI | In memoriam: '08 848, '85 944
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth
"Here, at last, is the cure for texting while driving. The millions of deaths which occur every year due to the iPhone’s ability to stream the Kim K/Ray-J video in 4G could all be avoided, every last one of them, if the government issued everyone a Seventies 911 and made sure they always left the house five minutes later than they’d wanted to. It would help if it could be made to rain as well. Full attention on the road. Guaranteed." -Jack Baruth