10-02-2013, 03:14 AM
Speedy wrote:
kd, in my first working years many decades ago I had a policy that was probably like the one you have. It was insurance in name only. It had huge co-pays and deductibles with a $25k lifetime benefit. One surgery and I would have been screwed.
My plan does have a sizeable deductible ($5K), but no co-pays or annual or lifetime benefit limit. Back when I lived in NJ, my plan had a $10,000 deductible, 50/50 co-pay, and cost $570 a month -- so my current plan is quite an improvement and less than half the cost.