Quote:
Originally Posted by Amazonmom
You aren't supposed to come out ahead with insurance. You are supposed to be covered for the big things you can't pay for on your own. I don't understand why people with deductibles tend not to use their insurance. How are you ever going to meet that deductible if you never use the insurance? Oh and its a huge nono to buy meds for cash outside of the insurance plan if the pharmacy knows you have med coverage. If you meet a coverage limit its different.
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Oh, I was totally hitting the insurance ceiling. In undergrad was $1,000 limit for all meds. When you have one med that is $300/mo you reach that really quickly. In graduate school the limit was $500/yr for psych meds (though some really high limit for all other meds). Hit that really quickly even though my meds had gone generic.