Turin39789
Lifer
- Nov 21, 2000
- 12,218
- 8
- 81
Ok, lets try some numbers:
* Likely case, you use no medical care in the year: Silver $195, gold $2015.
* Another likely case, you use $500 of medical care in a year: Silver $195 + $500 * .2 = $295, gold = $2015 + $500*.1 = $2065.
* What about a terrible, catastrophic case: Silver you pay $195 + $1250 = $1445, gold you pay $2015 + $500 = $2515.
In no possible case is gold the better option.
Au contraire, what if he goes to the ER 500 times?
He never mentioned if deductibles are the same. On our plan deductibles don't count against your out of pocket maximum.
Possible, but not how I normally see them. Often times the cheaper plans are better deals all around, you usually pay more than you need to so you don't have high fees "out of your pocket".