My company is switching to a new insurance company in January that covers the sleeve. Thing is..they're two plans 1. High Deductible and 2. Buy up plan. Both covers the procedure! Idk which one to pick. The high ded.plan has a 1500 deductible but the buy up deductible is 500. Should I get the buy up but the premium is high..or the cheaper one with high ded. My ins. Is BCBS of WNY.

Forgot to mention that I am currently doing my 6 month diet and will be done in February.

The only real way is to create a spreadsheet showing the whole year and add up the premiums from each. Then see how much lower your deductible has to be to make up for the difference in premiums. I wouldn't try to figure it out in my head. Better to lay all the math out and see what comes up.

I just called up the insurance company...i think I might go with the buy up plan..the premium is higher but when it comes down to the out of pocket at surgery I have much less to come up with

While you're at it, consider a flexible spending account. I had 2 surgeries this year, and only paid a little over $300 total for both, because I used all of my flexible spending on them.