Someone please help me understand how it makes sense for me to have this health insurance plan.
I have a HSA through my employer (anthem) 3000 dollar deductible. I am a 26 year old male, no pre-exisiting conditions, blood tests perfect, within my BMI. I probably see the Doc 4 times a year to manage my Anxiety and Depression and take a Drug that I get online for about 18 a month (regardless of my insurance)
So with that being said, when looking at my claims section online I am told i have saved $162 and spent $716 dollars. This of course doesn't take into consideration that I pay a $35 co-pay per office visit and $122 a pay check for my premium.
Now I realize that part of insurance is for medical emergencies but this still doesn't feel right. My last visit was 213 dollars and I got an insurance deduction of 3 dollars. AND I PAID A $35 co-pay what??? At the end of the year I am going to end up having spent over $4000 on my premiums and at this rate an additional 1500 in office visits and medication. All this without even reaching my 3000 dollar deductible.
Can anyone help me understand the value in having this plan? Cause reviewing these expenses just make me want to pay the penalty come tax time and go without insurance.
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