I don't understand why anyone would sign up for the student health care plan. Its ~$1200 a semester, and the only benefit is $0 copay when going to the student health services. Everything else (deductible, various copays) are higher than the silver on healthcare.gov. With that said, the silver is 1/4 of the cost. edit: bad math, its 12.5% of the cost.
I rarely go to the doctor. The majority of my visits are routine checkups. I really only need insurance in case of emergencies like a broken bone, car wreck, etc. Regardless of this, the Primary Doctor copay on the silver is $5. That's $5 vs 0$ with the student. I don't see that difference adding up to the $2200 out of pocket payment per year difference. I'd have to go to the doctor every single day, with 80 of those days going twice for the $5 to overtake the 0$.
Could anyone clue me in to why I would spend 4x the money for the student when the silver seems much better?
Is this silver possible going away with the new leadership in government?
Submitted May 29, 2017 at 06:58PM by jollybenegin http://ift.tt/2rPaXKI
