I just spent most of the evening and night crunching numbers on my health insurance options for next year. With the deductibles and co-insurance and HSAs and Flex Spending and out of pocket maximums, it can get pretty complicated. Not to mention it's all just a guess as to how many doctor visits and prescriptions you will need next year.
I ended up creating a fancy spreadsheet with all kinds of functions. I can just plug in the numbers for pretty much any variable and it will immediately calculate the end number for me, along with all of the subtotals. I have so many doctor visits with both my primary care, physical therapists and other specialists and a few prescriptions a month that it is really hard to figure out which plan would be best. I'm also not entirely sure which medications I will be taking next year. I may stop taking some and start taking others based on some test results I should be getting soon. There may be another specialist I may need to start seeing.
I am going to take it home with me tomorrow when I go and visit my parents so they can help me make a decision. My dad loves calculations and crunching numbers. I think he'll be impressed with my Excel abilities since he almost never touches a computer.
I'm just hoping that I'll only have a few doctor visits and a few regular prescriptions. No surprise specialist visits or surgeries or lab tests. It would be nice to have that for once.
I ended up creating a fancy spreadsheet with all kinds of functions. I can just plug in the numbers for pretty much any variable and it will immediately calculate the end number for me, along with all of the subtotals. I have so many doctor visits with both my primary care, physical therapists and other specialists and a few prescriptions a month that it is really hard to figure out which plan would be best. I'm also not entirely sure which medications I will be taking next year. I may stop taking some and start taking others based on some test results I should be getting soon. There may be another specialist I may need to start seeing.
I am going to take it home with me tomorrow when I go and visit my parents so they can help me make a decision. My dad loves calculations and crunching numbers. I think he'll be impressed with my Excel abilities since he almost never touches a computer.
I'm just hoping that I'll only have a few doctor visits and a few regular prescriptions. No surprise specialist visits or surgeries or lab tests. It would be nice to have that for once.
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