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Originally Posted by LivingAlmostLarge
So how does the HDHP work when you have complications like Jim? I have a friend who had something similar happen but everyone I know has regualr insurance.
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I just joined an HDHP, and this is what would happen in my case: You would pay 100%* for services until you hit your deductible. Then you would be covered 100%.
Ideally you would have funded an HSA along with the HDHP. You can tap the HSA for all the charges leading up to the deductible, but you don't have to. You can leave the money in the HSA if you prefer.
* Note that you only pay the amount that the provider has negotiated with the insurance company. So a service that might be $200 for someone without insurance might be $120 for someone with insurance.