Originally Posted by
Climbto450
I am on the green plan 115 per paycheck (because I was on crew care 2 last year so I got the discount), no sick children but I had my second child. After the seed money I am about 9800 (my wife and I both had 2500 FSAs) out of pocket for the year as of end of August. Still got four months left so I am trying to hit the max out of pocket of over 13 K. I am switching to Kaiser next year as It doesnt make sense to stay on JB health care with a family. I would rather pay for an aftermarket plan that has low detuctables and high monthly plan costs (about 600-800 range) and take the write off of on the monthly plan costs at the end of the year. Gotta love the DR!!!
Either your math is off or you need to call the insurance company and get some $$$ back. Deductible for a family is $2,600 with max co-insurance of $6,000. Nowhere near $13k. Unless your're counting your premiums in that, which is kind of skewing the stats. We're dealing with cancer over here under the green plan, and we're out about $4,000 after seed money/healthy rewards. We hit the max co-insurance for an individual last week. Luckily, I'm healthy right now. The main advantage of othe Green over the Blue plan is that you don't have to hit the Family deductible to make it into the co-insurance "bonus round."