Health Insurance, as it turns out, is handy to have.

Now that I’m looking at $8k in: ER visits (~$3k apiece), doctor’s visits, and ultrasounds (~$1k apiece); and a potential $10k surgery coming up, I figured I should figure out what my insurance covers, and how much it’s gonna hurt my wallet.

I don’t have a normal plan, like Blue Cross, I have a kinda confusing (but somewhat cheaper) one, a Cigna HRA.

Here’s how it boils down:

Phase 1: For the first $1000 in bills, Staples pays everything.
Phase 2: For the next $600 in bills, I pay everything.
Phase 3: After that, Cigna pays 80%, I pay 20%. This phase lasts until I have paid $900.
Phase 4: Cigna pays 100% of the bills.

So once I have paid a total of $1500 out-of-pocket from phase 2 and 3, that’s it for what I have to pay. After that, Cigna pays 100% of the bills.
This lasts until the untap phase (M:TG joke) in July, when it resets for the year and the whole things starts over.

I put $600 or so in a pre-tax HSA (Health Savings Account) at the beginning of the year, plus got a $150 credit from Staples for filling out a health survey, so that’s $750 taken care of. Which means of the potential $15,000 – $20,000 in medical bills, I only have $750 left to pay.

That’s actually not bad at all. A hell of a lot better than coming up with $20,000.

Now I need to figure out how my Vision coverage works. I could use new glasses, my prescription is from like 6 years ago and, although adequate, could probably be improved.

One thought on “Health Insurance, as it turns out, is handy to have.”

  1. Now you just have to watch out for some insurance executive playing counterspell and then nailing you with brain geyser while he has a black vise out.


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