Originally Posted by
dckozak
Tony, I agree, an academic discussion today and forward (for y 2017) but I do question one part of your personal equation. You mention 3 prescriptions every month. I too have a similar issue, but in my research found that mine, at least, will be covered at 100% as preventive care, not affecting the HRA/HSA. That too will be the case under Buy up. Not knowing (or asking) your situation, I would guess most continuous use of meds on a known and continuous basis would be a preventative care. YMMV
You're right, preventative care is covered 100% under any plan.
Unfortunately, ... well, you know the rest.
It's convenient that Walgreen's prints the "Your Insurance Saved You: $XXX.XX" on the packages so I could start with the total costs and apply the appropriate Co-Insurance percentages.
Originally Posted by
dckozak
My understanding of In Network vs Out of Network regarding ER. All emergency room visits, if due to circumstances are treated as In Network. Have never put that to the test, as always went to a hospital that was "In Network" when we have gone to the ER, but thats my understanding. The premise being no one shops for health care in an emergency, as long as it is deemed truly an emergency.
Ehh, my bad there. I didn't mean ER as in Emergency Room. I was making up a word that was worse than worst. Binder presented In-Network numbers as "Worst Case" in his YouTube whiteboard TA Sales pitch. My point was that Out-of-Network -- whether it be doctor visits, prescriptions, or lab tests -- are subject to a higher deductible and higher Out-of-pocket Maximum. If Ken's case is worst, the Out-of-Network is worst
er.
But not Worcestershire.
I'm thinking particularly of 2 kids in college on the other end of the state. I've already had one significant medical event there, and, like you said, the peace of mind that comes with knowing I don't have to (or THEY don't have to) interview health care providers before seeking urgent care is worth a few bucks to me.
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