Originally Posted by
WAVIT Inbound
Could not disagree more. I have had two kids as well as multiple different surgeries for my wife and myself on the CDHP and it was great. In the end I paid less over all out of pocket then when I had my first kid under the old Skywest insurance.
I have kids that go to the doctor as well as one on a very expensive prescription and I love the CDHP. The great part about the CDHP is you don't pay any more than you pay for the PPO but instead of forking all your money over to the insurance company you have control over the bulk of it in your HSA. I hope to never have a traditional health care plan ever again.
All good and fine as long as you are within your cash amount, but let us know how it is when the unexpected happens, like a pesky car accident where everyone needs care. Had a F/O who's son needed emergency surgery/treatment to the tune of 100K+, he was worried that the company was gonna force him to the CDHP program, the continuing treatment for his son would have required him to quit and seek a job with medical benefits. That's what insurance is for, when I am well, I pay into the pool, and when you and your kids are sick they can use "my" money to get better. CDHP is the ultimate in the "me" generation, its all good until you go past you cash, then when your kids are sick/ill/hurt you will be first in line at the county emergency room demanding 'free" treatment.
The number 1 reason for personal bankruptcies is medical costs. Enjoy your CDHP, as long as everyone is relatively healthy it's all good, and when you need public help with your and your kids health I will continue to pay the taxes so you and yours can live.