I had a $4000 deductible last year too
I had a $7,500 deductible last year through the Chicago Carpenters Union BC/BS plan. I just went to the doctor today and I now need a hearing aid for both ears, my daughter said it’s going to cost me thousands easily out of pocket without even affecting my deductible. Ain’t life grand...
Unions usually have great plans. That’s a surprisingly high deductible.