Getting surprised by my deductible: medical decision coming up
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|Thu, 01-05-2012 - 12:44pm|
My employer changed our insurance plans, and now I have a much higher deductible. Before I picked my insurance plan, I did some calculations, because I'm becoming financially smart, right? The plan I picked seemed like the cheapest one for my needs. But then, as I discovered after the enrollment period was over, I have two deductibles, one for in-network and one for out-of-network, and they are summed separately. I wasn't aware of this last part about summing separately. That really changed the cost for me.