Originally Posted by
forgot to bid
Ha, I hit my $5000 out of pocket in network max already.
It was $12k for a 2 night stay for one, $15k for a five night stay for the other both viruses. The latter hit his head playing and that was $5k ER visit. Still paying off the $2k bill from last year.
My total hospital bill for FTB since 1999, $150.
Do you have the gold plan? If so, you will spend $9248 on health insurance this year not including dental or vision. The HRA gold plan is about as bad as it gets if you actually use it. It looks good if you only go to the doctor once of twice a year, but for something major, it is a very bad plan.
I'll break it down for those that don't understand it. (114.50x24) for premiums + 3000 family deductible + 5000 family max out of pocket - 1500 HRA account. It comes out to $9248. This is assuming you manage to keep every claim in-network. I put $2000 into the FSA account this year because I knew we were having a kid. I just paid $2000 out of my pocket because my HRA and FSA account are empty. It is my own fault for picking this plan. I will never pick it again. The HRA account is there as a distraction because the plan is so bad. You end up with a $1500 deductible for the family instead of a $3000 deductible, but that deductible does not count towards the out of pocket max.