Does anyone know anything about health insurance? I've recently taken a new job. In order to get a higher salary, I agreed to obtain health insurance on my own. This is no problem as my wife's employer offers decent rates on it. My question is, right now she has the PPO plan with her company which offers all kinds of coverage for a pretty penny. Adding me on to this plan would cost a pretty penny. Or, we can switch us both to the CDHP plan which would cover us both for about the same cost as we pay for just her on the current plan. My concern is that the PPO plan has an in-network and an out-of-network deductible. She has no problem meeting the in-network deductible but doesn't meet the out-of-network deductible. With the CDHP plan, it's one flat deductible which is higher than both the in-network and out-of-network deductible combined.
My concern is that I rarely go to the doctor (unless I'm barely walking), but by me being on the plan, it'll more than double our deductibles. Any thoughts or suggestions? I'd like to have insurance just in case something catostrophic happens and I really need it. Otherwise I'd just forget about it cause the once a year I go to the doctor is still a lot cheaper than the insurance premium.