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For the first time in my life, I have hit my deductible AND reached my out-of-pocket maximum. I now have three months of actual free healthcare, which is unheard of in the US. What should I get done? (sh.itjust.works)

submitted 3 months ago* (last edited 3 months ago) by Reverendender@sh.itjust.works to c/asklemmy@lemmy.ml

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Biologically male procedures only. EDIT: If the two people who downvoted this question could explain their reasoning, I would be super interested. No judgements. This is a safe space!

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[-] xthexder@l.sw0.com 1 points 3 months ago* (last edited 3 months ago)

I've done the same math recently and decided it would be cheaper just to pay myself and keep a bit of savings around for anything extra. I could not find a plan that would pay out more than $2k in a year, and that's not even a month of rent some places.

[-] IMongoose@lemmy.world 2 points 3 months ago

It was a very sad day when I learned that my dental insurance is a reverse deductible. Like you said, they only pay out $2k a year then it's all out of pocket. Actually so stupid.

[-] Reverendender@sh.itjust.works 1 points 3 months ago

With your plan I would suggest putting your savings into an HSA or FSA, if you have either of those available to you. At least then it’s tax free.

this post was submitted on 21 Sep 2024

472 points (95.6% liked)

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