Financial update & a GREAT IDEA!!
So, I have been asked if I have insurance and why (if I do) it isn’t paying my medical bills. I DO have insurance. Since I have never needed to use insurance (I am on no medications, no health issues, etc) I chose to go with the High Deductible Health Savings Account. That means that Cigna (my provider) does not pay ANYTHING until I hit my yearly deductible of $2100. At that point, they will start kicking in 80% and I pay 20% instead of 100%. When I hit my yearly “Out of Pocket” maximum of $5200, they will cover everything at 100%. Since I figure the only reason I would ever need to use it would be “catastrophic”, that makes sense. What I did not take into account was getting a cancer diagnosis the last 3 weeks of 2018 and then starting all over with all the costs associated with that in 2019. So far, this is where I stand: __________________2019..............................2018 Total Billed..............$3,883.60...............$3,020.20 Total that my Plan Paid.......$0.00......