Doesnt help when you break your foot in the beginning of the year!
Actually my plan is weird.. We get $800 in an flex spending account that pays for the first $800 of doc's and drugs. That also takes $800 off the deductable (so by the time the $800 is spent, the DED is only $1,000) Then you have to pay out of your pocket the next $1,000. After the $1,000 is paid for, you get the normal insurance with the co-pay.
My foot basically knocked out the $800 (AND on top of that I had to pay the total $418 for my initial foot doc because I broke it 12/27 and they said I used my whole $800 the year prior - which wasnt true at all and I am fighting that)
I have 3 meds that I have to take daily.. and they changed my script plan to an awful new one. I'm supposed to see two specialists per year (GI and Endo for chronic conditions).
I guess the insurance is OK cause of the $800 in the Flex Spending Account.. but I pay closer to $1,200 a year for the plan so I consider that $800 to be my own damn money anyway.
Its good incase I get into a car accident, or get cancer or something else big, or need to spend time in a hospital. I plan on not doing any of those three this year. (I did NOT go to the hospital when I broke my foot... knew it would be a huge waste of money so I went directly to the orthopedic)