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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?

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DominusOfMegadeus@sh.itjust.works
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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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ByteOnBikes@slrpnk.net
4 points

Was just going to point this out too. It’s so stupid.

I’ve also done the math on dental insurance vs out of pocket and a few times, out of pocket was significantly cheaper than the service + insurance.

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xthexder@l.sw0.com
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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.

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DominusOfMegadeus@sh.itjust.worksOP
1 point

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.

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IMongoose@lemmy.world
2 points

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.

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