Well, I call it a hybrid because we redesigned our insurance plan back in 2011 and this PPO plan is not like our old PPO plan, where NOTHING paid until you met the deductible and EVERYTHING counted towards it. We’ve been moving towards ‘industry standards’ on our plans the past decade, so it could be that’s the way the industry packages a PPO plan nowadays.
And you’re right-it’s hard to pick out which way you would come out best financially since there’s so many variables. I can estimate based on past claims experience, but it’s hard to take into account an unplanned surgery or illness, a change in prescription needs that shoots your expenses sky-high, etc.
Thanks for explaining the highbred. Sounds exactly like what we have. But you’re right, it’s different than what I used to have where everything counted towards the deductible.
went to town and did some chores - bank, hoarding TP, Fighting off the woman at Walmart for the last package of paper towels, then bought some shredded cheese and cool whip. I wanted sugar free but all they had left was fat free.
How was your day? Did you have to work?