Health insurance question?

[NiamhHanson]

Questions/opinions/experience?
Time to renew…so I currently have a $500 deductible plan that costs $589 every 2 weeks for me and my wife. There is no HSA with this plan. There is also a $1500 deductible plan that will cost $426 every 2 weeks…savings of $330-ish per month but does offer an HSA. Thinking of dropping to the 1500 plan and adding about $250/month into my HSA. Cigna is the carrier.

There are a few differences in coverage. Mainly the $500 plan covers 100% after deductible and the 1500 covers 80% after deductible but these costs should be covered by the HSA account. One of the bigger differences is chiropractic is $50 copay vs 80% for the 1500 plan. I go to the chiropractor 4 or 5 times a year and never use up my deductible except for this past year cause I had hernia surgery.

The issue is we just got the packet Friday and have to submit it by tomorrow afternoon and they have been out of office since then so nobody to answer any questions.

I know this will be widely opinion based and situations will differ but I hate dealing with this stuff and trying to weigh pros and cons of each

[chachaflint]

Too bad aesthetic treatments don’t get included in health insurance, it would’ve been great. Anyway, not so long ago, I decided to seek help from aesthetic treatment singapore, and I can say that this center helped me cope with becoming more confident and get rid of my flaws. I highly recommend you try these services and start living a full life as well.

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