Advice About New Insurance W/ Open Enrollment

[MK1986 78]

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.

[MK1986 78]

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

[IsB 209]

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.

[MK1986 78]

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

[Ready4success 380]

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.