Number-crunching the Healthcare Costs of IBD

Number-crunching the Healthcare Costs of IBD
Just when I thought I had the health insurance game all figured out, I’m beginning to rethink my current healthcare choices. Back in August, I wrote about preparing for open enrollment for health benefits through my husband’s employer. It was the first time he was eligible to enroll in an open access plan (OAP) rather than a high-deductible health plan (HDHP). When I had health insurance benefits through my employer and used my husband’s plan as secondary insurance, healthcare seemed so much more manageable for some reason. Maybe it just seemed easier because I only had to calculate my healthcare needs instead of both of ours. Also, I had always enrolled in an OAP because I assumed it would be financially smarter, so I never explored other options. After being covered solely by an HDHP for a full benefit year in 2019 and going back on an OAP, I’m beginning to wonder if an HDHP would have been the better choice. As the fourth month of being enrolled in an OAP draws to a close, I’ve been reviewing our medical expenses compared with the same time last year. I feel like we’re paying more money out of pocket, and none of the costs are applying toward our deductible. Granted, my husband’s recent blood pressure issues have added to our medical bills. However, as I compare my expenses year to year, I’m contemplating whether we should go back on the HDHP plan next year. I knew we would pay a higher monthly premium for an OAP in exchange for having a lower deductible. However, during these first four months on our new “platinum” plan, I’m noticing various charges adding up fast, especially for office visits and my Remicade (infliximab) infusions. Doctors' office visits Under our HDHP, we paid different amounts for doctor visits. Depending on
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