I need a lot of medical tests... "Need" actually isn't the right word, as far as I know, my life isn't in danger or anything, but I have a lot of issues that would probably benefit from proper diagnosis (suspect something autoimmune and/or neurological). I also want to get allergy testing for me & DS, I need to see the dermatologist, and DH hasn't seen a doctor in years and needs a blood workup and stuff... So basically, we really want to see some doctors and have some tests done but it is nothing life-threatening/time-sensitive really. We will have to pay 100% out of pocket until we reach our deductible.
My quality of life is pretty bad because of my health issues so common sense says to just get everything done, meet the deductible, then get the extras done if they are covered (allergy testing and whatnot) before the year is up -- I think almost everything is covered at 80-100% after we reach our deductible so we'd basically have 'free' health care for the remainder of the year.
But, here's the catch -- DH was laid off a year ago. So, for one thing, we want to keep as much in savings as possible so we have something to fall back on if he hasn't found a job before his unemployment runs out (he has at least half a year left if nothing changes). Meeting our deductible will eat up 1/4 of our emergency fund (or 4 months of mortgage payments!) The other thing to consider is that hopefully DH will find a job with benefits, and if he does, I'm sure the insurance will be much better (it can't really be worse!!) so we'd want to switch. So I would hate to 'waste' our money trying to meet the deductible only for DH to get a job next month & switch insurances or something.
Edited by crunchy_mommy - 2/6/12 at 9:20am