> On 10/18/07, J.J. Merrick <[EMAIL PROTECTED]> wrote: > > Most insurance is like 80-20 or 90-10 up to your deductible. After > > that it is 100%. Essentially say you have a $2000 out of pocket > > deductible, they will pay 90% until your 10% equals $2000 and then it > > goes to 100%. The most you will be out is the out-of-pocket amount for > > the year... so $2000. Hardly enough to get worried about.
I think that's backwards. We have BCBS, a standard 80/20 plan. You pay 100% of allowed costs until you meet your deductible. For example, we have a $700 per person, $1400 per family deductible, and then everything is covered at 80% until you reach your "maximum out of pocket" and then things are covered at 100% We actually chose this over the BCBS PPO because the premiums were SO much lower... we pay about $100/month for the whole family, versus $350/month for the PPO. It *can* be more expensive if you have a lot of abnormal expenses like hospital stays. However, the maximum out of pocket still protects you pretty well. BTW, until about a year ago, we paid $0 premium for our coverage, with only a $400/$800 deductible. That was freakin' awesome. It's still pretty good though. Rick -- Rick Root Check out CFMBB, BlogCFM, ImageCFC, ImapCFC, CFFM, and more at www.opensourcecf.com ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Enterprise web applications, build robust, secure scalable apps today - Try it now ColdFusion Today ColdFusion 8 beta - Build next generation apps Archive: http://www.houseoffusion.com/groups/CF-Community/message.cfm/messageid:244686 Subscription: http://www.houseoffusion.com/groups/CF-Community/subscribe.cfm Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=89.70.5
