ST Alpha - "Ok, that's a much better picture. Question for you...over the last few years, where has the majority of your " (Reading a Post)

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In response to "Jim, re b2, here is more info, if this helps." by Truman

Ok, that's a much better picture. Question for you...over the last few years, where has the majority of your

Posted by Jim (aka Jim) Sep 11 '13, 08:02

medical expenses come from? What I mean by this is...if you have many prescriptions for anything, you already said you don't get sick much...do you have any nagging knee issues, or elbow/wrist/carpal tunnel issues?

What I like about the normal plan is the drug costs...but I'm coming from the angle of having a couple prescriptions of my own as well as having 2 kids.

If you're relatively healthy, don't spend a lot on pharmacy...for the now, you might be best off with the higher deductible. You just have to be ready to shell out a decent amount of cash, should something major come up.

Responses:

Last few years, the major costs have been diagnostics - Truman Sep 11, 08:05 12
- MRI in 2011, X-ray and ct in 2012 -- nm - Truman Sep 11, 08:07 11
  - In that case, the higher deductible might be better for you. Especially being single with no dependents. - Jim Sep 11, 08:10 1
    - it also depends on what medications you take monthly and how much they are. nm -- nm - groiny Sep 11, 08:11
  - I would bet that each of those would been $1000ish. -- nm - amanda hk Sep 11, 08:09 8
    - Well...retail. But his plan will still have a negotiated rate on those services. - Jim Sep 11, 08:11 7
      - Right. We have a HDHP plan (but my company picks up most of it). We still get the rates, we just have to pay. -- nm - spamlet Sep 11, 08:15
      - what's a normal negotiated rate for an MRI these days? I'm just curious. -- nm - amanda hk Sep 11, 08:13 5
        
        Honestly, without querying through our system to find patients who've had MRIs, I don't know. - Jim Sep 11, 08:23 1
        
        I just did a cost estimate on my health insurance site - negotiated amount is right at $700, they say. -- nm - Kim Pine Sep 11, 08:40
        
        I think David's was around $700-800. -- nm - Kim Pine Sep 11, 08:19 2
        
        plus $50k for pain and suffering - David Sep 11, 08:30
        
        Mine was around that I think -- nm - Truman Sep 11, 08:26

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Ok, that's a much better picture. Question for you...over the last few years, where has the majority of your

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