- This topic is empty.
-
AuthorPosts
-
Marina
Suggested to me by friend who also has high medical expenses.
She said shevuses it to cover exessive nedical costs outside of regular medical insurance.
We have a HDHP with $6k deductuble, 14k max out of pocket. On top we have a lot of dental expenses.
My daughter needed 3 oral surgeries.
None of which where covered by medical insurance.
Even after I reach deductible, I still have to pay $500 for MRIs.
My dental + medical expenses are very high, even after deductible is reached.
Dental expenses are not counted toward any deductibles.
KristinDo you have an option to put money into an HSA? That would be the better option with an HDHP.
It would be a broader option for picking up deductibles, co-pays, out-of-pocket maximum, etc.
Aflac plans are usually for very specific types of loss and you would have to have a specific policy for the specific type of loss you were trying to mitigate.
For example, an accident policy would only pay out for things that could be classified as accidents.
A cancer policy would pay only for things related to cancer.
I don’t even know that they offer a dental policy, aside from what would be reimbursed as a dental emergency.
I love Aflac as a company and we have had amazing results with them paying out when we have had claims.
But, I don’t see it as being what you are looking for in terms of helping with the types of expenses you mentioned.
TriciaIt would depend on the plan. I buy a supplemental insurance offered thru my work for accidents.
Overall for year it’s a little over a hundred dollars.
Jan my son broke his arm and it was $1200 payment to us.
We’ve carried this plan a few years and sadly we’ve been in the green each time.
We are not bs1 or 2 though so I think that could impact if this is appropriate for you.
KatieDepends on the plan and your situation. I have a coworker with a very chronically ill spouse, and she maxes out all the supplemental plans to pay their medical deductible, because he is definitely in the hospital X days per year.
Keep in mind, there is usually a waiting period before pre existing conditions are covered.
They are usually pretty expensive if one doesn’t have a lot of issues, or isn’t usually admitted.
-
AuthorPosts
Related Topics:
- HSA tax-free reimbursement for medical expenses?
- Any advice on fighting high medical bills after insurance?
- I would really like to hear if anyone else has found the HDHP/HSA to not always be a slam dunk
- Dispute dental cleaning bill: in-network, high charges?
- I’m so confused in trying to lower my expenses
- How much do you typically set aside for medical costs with your HDHP and HSA?
No related posts.