[ SECRET POST #2938 ]

[case]

⌈ Secret Post #2938 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.

01.


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02.
[Constantine]


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03.
[Dragon Age]


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04.
[Merlin]


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05.
[Pokemon]


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06.
[The Americans]


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07.
[Doctor Who]


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08.
[Twisted Toyfare]


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09.
[Black Books]


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10.
[World of Warcraft]













Notes:

Secrets Left to Post: 02 pages, 046 secrets from Secret Submission Post #420.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Re: deductibles

[caffeine_buzz]

Basically your deductible has little to do with your monthly payment other than that higher deductibles often have lower monthly payments. Deductible is what you pay out of pocket before insurance kicks in. Most insurance plans, even high deductible ones, will cover certain things in full -- preventative care like annual physicals will often just have a co-pay and drugs are usually partially covered if they meet certain criteria but things like allergy shots, specialist visits, trips to the hospital, etc. usually aren't. So say you get allergy shots and you need a new vial, which costs $200. You have to pay that $200, but it's subtracted from your deductible which would now be down to $1300 (1500-200 = 1300). Now, once you've just hit your deductible for the year if you need that vial again, this time insurance would cover it and you pay considerably less to nothing. If you get sick a lot or tend to need care that's unlikely to be covered, the lower deductible may be worth it to you. Basically is it going to save you more money in the long run to pay more for your insurance and ultimately less for medical care, or pay less for insurance but more for medical stuff.

Re: deductibles

[(Anonymous)]

Actually, annual physicals should be free now. The last one I had was.