Health insurance deductible

[HoneySpider]

I was under the impression that most plans had a deductible of some amount but a conversation the other day made we wonder if that was a wrong assumption. 

Poll answers:
Yes
No

[pooh8402]

What's the question?

[Deleted]

My insurance has a deductible. I also thought all plans do.

[ewall]

We have a high deductible plan with a health reimbursement account. We've had it for the past 3 or 4 years. I'm still not entirely clear on how it works, but I think the HRA funds deposited by my company count toward our deductible. We have not paid OOP for anything in recent memory other than non-covered stuff (RE/infertility). I checked our recent EOBs yesterday and we apparently owe zero OOP for the $25k or so in medical bills from my C-section.

[mac08]

I don't think mine has a deductible but I'm not exactly sure how it would work.  I've only ever paid a copay for anything, procedures, exams, meds, whatever.

[estrellita]

Mine has one. There is an individual and family deductible. I'm not totally sure how it works since luckily we haven't met it yet.

[CrazyLucky]

We have a high deductible. One year we hit it January 10. Yay for ear tubes. Last year we made it all the way to October before we hit it.

[pooh8402]

We have a low individual deductible--$500. It'll cost me that much total to have this kid. And a $1500 family deductible. DH's employer has a pretty good plan and we participate in their wellness program to drop our premiums.

[Deleted]

I'm believe my deductible is $600 but it's individual. I'm not sure about DH's.

[bk1]

We have individual and family deductible. We have met them for both DH and I the past couple years :-( thankfully they are as low as they are. They were $750 each until this last year when it switched to $1000 each. Could be worse.

[HoneySpider]

I'm glad I'm not crazy.

[wanderingenough]

We both do. We have separate plans because we both work for the same company and if we were on the same plan the family deductible was a lot higher. H has a high deductible plan (like $6k high), but pays basically nothing for it. We pay more for mine because the deductible is lower ($1200) and my neuro visits hit that pretty quickly each year.

[katespade]

I have a high deductible plan with an HSA. I have to pay 100% OOP until I hit the deductible amount, and then the insurance kicks in and starts paying 80%.


I am not a fan.

[krystee]

Mine does not. Our insurance is incredible. We are so lucky,